davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

We saw a note on our mortgage account website that PHH Mortgage Services was raising our monthly mortgage payment by {$350.00} a month. We called to find out why and were told that it was a shortage in our escrow account for the upcoming year. However, the amount for our winter taxes and our annual Homeowner 's policy are incorrect. PHH is showing our Winter taxes as {$3400.00}. This is the amount from last year when we did not own the house and it was NOT homesteaded. This year 's actual tax bill is {$2000.00} as we are now homesteaded. This results in a difference of {$1400.00}. Our Homeowner 's amount from PHH is showing as {$3000.00} a year when in actuality our policy premium is {$1200.00} annually. Resulting in a difference of {$1700.00}. PHH did receive a copy of this fro our insurance agent when they received the mortgage and we have proper documentation to represent our numbers. The total amount of the errors is {$3100.00}. We have spent days and hours trying to call PHH and get customer service reps outside of the US. We have asked for managers and what they refer to as " Escalation Specialists '' have yet to call us as we were told they would. We would like to get this fixed as soon as possible but can not find anyone within their company to help us. Further confusing this issue is if we take a {$350.00} a month increase through next year, it results in a {$4200.00} increase in our escrow account when even if their numbers were correct, that is still over and above the {$3100.00}. Our loan originated with XXXX  here in Michigan but was sold a few days after closing to PHH.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received a letter for pre approval on a Capitol One platinum credit card. I read the potential reasons for getting declined even with a pre approval letter and because nothing on my credit fell under those reasons I chose to still apply. I was declined but they offered me a se ure card instead. I now have a hard inquiry added to my credit just so they can try baiting me into a secure card. I say this because all of the reasons they gave me for being declined, are issues with my credit that have been ongoing for over a year. This means they already had all of that data available to them before sending me a pre approval letter. If they already knew that information, then why are they sending me a pre approval letter if there is a guarantee that they will decline me, but then offer a secure card instead at a 30 % interest rate. Now I have a hard inquiry on my credit that will be on there for XXXX  years just so they could try baiting me into a super high interest rate on a secure card. This seems like predatory lending to me. If this happens just because they use an automated system for these letters, then they should not be allowed to use such systems. Clearly they should have known I would not have been approved with the data available to them and it's wrong for them to try getting business in this way.
Consumer complaint received 2023-01-11
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: ERC (MD)

WHAT THE XXXX??? This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company ERC is using a stall tactic claiming that I am using a XXXX party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my disputes. I've recently received notification from the credit reporting agencies that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed is permanently deleted from my credit file as it is reporting incorrectly. Should ERC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
Consumer complaint received 2023-01-25
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. (TX)

I am deeply concerned about the errors that still appear on my credit reports. These errors are ruining my credit profile and damaging me a consumer. Under the Fair Credit Reporting Act, incomplete, innaccurate and unverifiable information should be promptly removed from my credit file. This journey has taken over 30 days. I have not received the information I requested. 

XXXX XXXX number : XXXX XXXX XXXX number : XXXX
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (NY)

Hello Fay Servicing, You are engaging in predatory lending practice, I have sent you multiple emails, fax, and website upload of the insurance declaration and yet you failed to recognize my insurance declaration, you failed to take actions to update the insurance renewal. And on XX/XX/2024 and you bought a insurance without my permission. This is unacceptable. See all correspondence.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (VA)

I placed a wire transfer request with the bank. 
The bank confirmed that the wire transfer has been processed. 
The receiving bank ( XXXX XXXX XXXX  ) did not receive the funds from the wire transfer. 

Upon follow up trouble shooting with the sending bank ( Goldman Sachs/ Marcus Bank ) , they rescinded the transaction after the confirmation and returned the funds into the origination account. 

The bank personnel used bureaucratic double speak to justify this rerouting of the transferred funds. None of the representatives could understand the bank 's position well enough to speak to it. The managers that were brought in upon escalation had the same limitations in understanding the bank 's policy in locking the funds. 
The original representative from the bank 's wire transfer department understood the transfer request, processed it, and then verbally confirmed that the wire transfer had been conducted.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  : 1 ) Reporting Charged OFF ( CO ) for multiple months 2 ) 30 Days and 60 Days late inaccurate, and inconsistent across all three credit bureau 's.

3 ) Inaccurate Date Opened 4 ) Inaccurate Closed Date 5 ) Inaccurate Last payment date.

6 ) Inaccurate Credit Limit Reporting 7What method of verification was used for this, XXXX is lying about doing a proper invistigation.
Consumer complaint received 2023-05-13
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)

This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

[ a ] Our mortgage was sold to Newrez mortgage company for servicing. Beginning in XXXX of they began harassing us for not having condominium association insurance on our property and that they would purchase and bill us for insurance through their company. Their correspondence was unclear and we first sent our personal condo insurance binder. After talking we a rep at Newrez we realized they wanted another copy of the condo association binder. We faxed them that document on XXXX, XX/XX/XXXX. We also emailed a PDF of it. 

[ b ] We then then received notification that they were going to purchase condo association insurance because they didn't have a more current insurance binder. Perhaps an appropriate request but we never received a request until they threatened to purchase insurance on our behalf. We immediately sent them via email/PDF our binder.

[ c ] We then received notice that Newrez lost the original previous expired binder and that we needed to provide a replacement copy or they would bill us for the prior year 's insurance. Note that this is a {>= $1,000,000} comprehensive insurance policy on 285 units. 

[ d ] We promptly sent them a copy of the old binder via email pdf. 

[ e ] We received written notice on XXXX, XXXX that all binders for coverages for our condo were in place and that there would be no further issue. We thought this matter was taken care of thanks entirely to our efforts.

[ f ] But alas, today we received notification that we will owe {$7.00} for coverage that they will purchase for XX/XX/XXXX through XX/XX/XXXX because they don't have proof of coverage for that time period [ g ] Attached please find a pdf of our 2 binders for our coverage for : [ 1 ] XX/XX/XXXX through XX/XX/XXXX [ 2 ] XX/XX/XXXX through XX/XX/XXXX [ h ] Newrez has previously received both of these binders over the past months. I sent them the binder as well as the coverage detail. I will be scanning and resending via PDF both of the binders, yet again, to Newrez today with a cover letter asking for a written response that the matter has been resolved.

[ i ] This seems like a scam to get people to purchase unnecessary insurance through a subsidiary of Newres. At the very least it is harassment.
Consumer complaint received 2023-01-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  Open Date XX/XX/2021 Balance : {$370.00}
Consumer complaint received 2018-09-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX : I send them a validation/verification of information that they are reporting and they sent me back a letter stating that they received my dispute, investigated and will continue to report the same information. They provided no proof whatsoever, nothing bearing my original signature or any signature at all. They also are reporting this without a SURETY BOND which Texas requires of all debt collectors whether " direct '' or " indirect ''. I have attached all pertinent information and I appreciate your time. 
XXXX XXXX
Consumer complaint received 2024-09-20
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. (NC)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICE SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR XXXX XXXX  ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX ( XXXX XXXX, XXXX )
Consumer complaint received 2023-08-24
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: ProCollect, Inc. (MS)

I recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress. 

Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy. 

Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies. 

I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NJ)

Credit Karma sent an email notification that I had a " derogatory mark '' on my credit when I did not. This is a type of click-bait and is inaccurate about my account. The rep from the company claims that the email is a " recommendation '', even though the email clearly states " View Derogatory Mark. '' This type of language would lead a reasonable person that there is, in fact, an actual mark to be viewed.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Newport Intermediate Inc. ()

Hi, My name is XXXX XXXX XXXX from XXXX, XXXX XXXX. 

First XXXX XXXX XXXX sent XXXX XXXX to my bank account which is XXXX XXXX on XXXX XX/XX/2024. 
The Confirmation Code is : XXXX. 
( Still, I didn't receive this ). 

So, she ( her email : XXXX ) tried to send XXXX USD again by filling in my bank information accurately, and testing whether the money transfer went right into my bank account. 
The Confirmation Code is : XXXX. 
( Still, I didn't receive this one too ). 

I contacted my XXXX XXXX, they said no money transactions were coming to my account. 

Can you please what was the problem with this money transfer? 
Please let me know the solution as soon as possible. 

Thank you for your time. 
Warm Regards, XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MI)

I called them because the interest fee was higher than the minimum and I couldn't afford to pay it so I was asking what could I do to pay a lower payment because I am on a fixed income. 

XX/XX/year> XXXX The credit limit was only {$1500.00}
Consumer complaint received 2016-12-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

In XXXX, my loan servicer was transferred from XXXX to American Education Services http : //www.aessuccess.org/ In all of the years in which I 've paid my loans ( nearly a decade ) I 've never had so many issues with the transfer of information, data, etc. I have filled out their online form for direct debit three times, endured customer service representatives lying to me about how my transactions were processed, received several pieces of mail in which they stated my interest rate had changed ( it had not ), and all the while there were several interactions in which supervisors told me that they were researching my account to see what happened ( while keeping me on hold for approximately 20 minutes ) without receiving an answer.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAS LaVrar, LLC (FL)

Someone came to our door when I was not home I was working and they knocked the door really hard my XXXX  open the door. The gentleman came in. He was harassing my XXXX  and my XXXX  she's XXXX XXXX XXXX. She was very scared because he was using some strong words and drop off some paperwork, which is my XXXX  name is not on the paperwork. He was forcing to take the paper, and my XXXX  did not receive that paper, and he just dropped the paper at the door, and he walked away, and my XXXX  and my XXXX  was home, and the very very scared and they've been very harassed. I need to stop that as soon as possible. She's only XXXX XXXX XXXX my XXXX.
Consumer complaint received 2023-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (NY)

I authorized a payment on XX/XX/XXXX for my loan of {$130.00}. However, there is a dual charge on my bank account now ( as shown in the attached picture ), I am assuming that the one labeled retry was a reattempt of a charge on XX/XX/XXXX, both of which WERE NOT AUTHORIZED CHARGES, and does NOT show up on my account. Only the one that I authorized, the one that went through my account on the XXXX, was authorized. 

To clarify : 1 ) The charges on XX/XX/XXXX and XX/XX/XXXX are not authorized 2 ) The charge on XX/XX/XXXX is authorized Please help, as the first two charges were : 1 ) Not authorized 2 ) Not part of an autopay for my account 3 ) not shown any reference in my loan account XXXX ) Resulting in {$130.00} being pulled TWICE from my account this month ( as both the unauthorized charge on the XXXX and my authorized charge on the XXXX went through ) What is most irritating is the fact that 1 ) these charges were not AUTHORIZED and 2 ) the unauthorized charges did not and do not show up on my loan account, so it is not even applying to my balance. 

I have tried contacting the company the following times : 1 ) XX/XX/XXXX + XXXX - through both their phone line and email support but to no response 2 ) XX/XX/XXXX - I was able to talk to a person on the phone but the representative said " I have to email support and they will get back to me. '' I, then, sent ANOTHER email but I still have not received a response.

It has now been over three business days and no one has still reached out to me regarding this.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

Experian lists erroneous, highly damaging, information regarding XXXX accounts with XXXX XXXX. I made contact with XXXX via telephone to get the account information for farther investigation some months and they do not know it. I then requested online that Experian validate the debt. They did not provide proof the debt is correct in any way. I would like this information immediately expunged from my credit report.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp. (SC)

An account was opened in my name with XXXX XXXX in XX/XX/2019 as a result of identity theft. This account has never shown up as a trade line on my credit so I was unaware untilI being contacted by XXXX XXXX recently. I have advised both companies of the identity theft and fraud. Neither company had provided any response about removing the account from my credit profile after several attempts. This is limiting my ability to obtain credit and negatively impacting me financially.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc. (NY)

If an online payment fails to process, the ability to make online payments is immediately locked. At that point, your only option is to call their toll-free number to make a payment. I have not been able to speak to anyone for the entire month of XXXX despite spending repeated calls and hours spent on hold.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX  : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$83.00} Be notified that this complaint is my follow-up complaint to ensure that the listed accounts are repaired.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TN)

I applied for Chase freedom unlimited credit card in XX/XX/XXXX through a referral link I received from Chase card holder. After opening the link an offer popped up saying apply now and receive {$200.00} bonus if spend {$500.00} in first three months. I did not receive a bonus and so I contacted Chase in XX/XX/XXXX. I repeatedly received a reply stating you have other offer activated on your account ( 3 % cash back ). There was no disclosure on the offer page saying offer may change. Chase did not inform me before, during or after application about changing the offer.