davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (CA)

I had received a letter from one of their litigation specialist : ( attached is his email of XX/XX/2021 ) confirming my next payment is on XX/XX/2021 with a reduced payment of {$370.00} I tried to get hold of him but was not able to. I just made an assumption that it is good for at least a minimum of XXXX months. By XX/XX/2021, I got some help to get back to paying my normal monthly due of {$390.00}. 

XXXX XXXX Loss Mitigation Specialist 1 Dovenmuehle Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX O : XXXX Ext. XXXX The bank held my payment in suspense because it was short of little over {$20.00}. No principal payment was made and the bill statement shows it was applied to interest payments only. That means if I was not wrong, my interest went through the roof. To this date I have got a chance to review if my loan balance is accurate. 

I have not missed any single monthly due. ( XXXX XXXXXXXX XXXX Bill faxed to the collection departments the documents showing with date paid them and the amount ). Now, because the Principal portion payment of {$370.00} was unapplied against the principal, the bank claims I am behind and started charging me {$19.00} each month since then going on for 4 years now. The Collection Dept never miss calling to collect too.

I have written the bank lot of times to iron out the confusion and requested for reversal of the late fees. But they responded no, because their fees are valid.

Now, I have a notice of breach of Contract. Not sure if my loan is being called out or I am in the process of foreclosure.

In total there is only short payment of little {$60.00}. Why can't the bank just add it back to the balance of the loan but instead keep charging {$1900.00} and wanted me to pay extra month that I am supposedly behind?
Consumer complaint received 2020-02-28
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: ALLY FINANCIAL INC. (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XX/XX/XXXX ALLY FINCL XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

About a year ago my Mortgage service changed from the company that I took my loan out with ( XXXX XXXX XXXX  ) to Flagstar bank. I didn't think much of this at the time but Flagstar bank has some predatory practices that are highly unethical ; if not totally illegal. Anyhow, recently I got a letter saying that my escrow account balance was short and that I needed to pay more to make up for the shortage ( of {$520.00} ). I thought about it, and having cancelled my escrow account before with a XXXX XXXX XXXX XXXX  for nothing and receiving a check for the balance of my escrow account on that previous occasion and then handling my own taxes and insurance, I oped to do the same. 

The problem came when I called the Escrow account call center division of Flagstar Bank and I was told by an representative named XXXX, managed by XXXX XXXX ( who was not available at the time to speak to me ) that the escrow account cancellation policy comes with penalty fee that is calculated by how much a lessee still owes on a loan. I did not like hearing that. When I asked him how much my fee would be he said in my case is would be almost {$500.00} and then they would send back the balance of my escrow account. 

This is wrong and what makes it worse is that I never asked to do business with Flagstar Bank and abide by their polices and alike. I don't want to do any more business with Flagstar Bank than I have to ; hence not wanting them to handle my taxes and insurance. And the fact that they are discouraging that with a fee/fine is proof that something is not right.
Consumer complaint received 2023-11-29
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. (GA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (PA)

Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the three Accounts from Us Dept, two of the account has the date of XX/XX/XXXX, another one is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.
Consumer complaint received 2023-02-04
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. (FL)

I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution
Consumer complaint received 2023-11-29
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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
Consumer complaint received 2020-02-28
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: TRANSWORLD SYSTEMS INC (NY)

I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Transworld System Inc. is trying to collect on debts for a public utility company known as XXXX XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX credit report XX/XX/2021. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that these two collections are over ten years old each. Transworld System Inc has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Transworld System Inc. is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX  and if documentation proves my position, a complete disassociation with Transworld System Inc. would be in order.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION (TX)

I pre qualified on my BBVA app for the clear points card a few months after joining this bank and was denied due to too many recent inquiries. First let me say I joined this bank only after a banker telling me that BBVA gives great loans/credit cards to people with a high fico score like me which intrigued men. In reference to the recent inquiries I had just applied for an auto loan so I had 8 recent hard pulls showing on my credit. I called to explain this to the credit analyst to which they told me that sometimes a hard pull will let them see the individual credit inquiries and that they would most likely approve me give my high income and credit score. I went through with the hard app, was asked to verify my ID and Address and then was told I was denied ... an hour BEFORE they pulled my credit. They didnt need to pull it if I was already denied. Now I have an additional hard pull for no reason. I believe BBVA is selective to whom they extend credit to ... regardless of how good their credit profile is. I could go on and on about how disappointed I am with joining this bank.
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My mortgage with XXXX XXXX XXXX XXXX was paid in full. My balance is XXXX on this account and all three credit bureaus are reporting old information.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (WI)

We had a car loan with XXXX XXXX XXXX XXXX. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by XXXX XXXX to XXXX XXXX XXXX XXXX to the satisfaction of XXXX XXXX. 

This debt still remains on our Experian credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, Experian rejected the dispute. Now two years later, we are trying to have this removed from our credit report and Experian website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold.
Consumer complaint received 2021-08-29
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: MicroBilt / PRBC (formerly CL Verify) (TX)

I noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, XXXX and Microbilt. 

These inquiries need to be removed or further action will be taken.
Consumer complaint received 2019-01-29
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. (AL)

I have sent in my credit report showing that XXXX XXXX XXXX XXXX was the playof The Bankruptcy on my file equifay told me that they are a wary of the mixed file but never removed this info they deleted his name XX/XX/XXXX and they just remove his address XX/XX/XXXX still kept his file on they say they verified through XXXX which is a lie I have XXXX report and it have proof that they dont have Bankruptcy
Consumer complaint received 2021-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In XX/XX/XXXX I was contacts by Santander Bank to renew my HELOC which I have had for past 9 1/2 years. I have never been delinquent the entire time and have a XXXX out of XXXXcredit score. The home is unencumbered and was appraised at $ XXXX. The Bank Rep. initially discussed increasing my $ XXXX LOC because of my exemplary record. After substantiating all of my assets and income that far exceeded my loan request they counter offered @ $ XXXX. When I asked theyre on reconsider they sent me a letter on XX/XX/XXXX that could not consider my application for many bogus, and non existing issues.
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Social Finance, Inc. (KY)

I am a student, it would make sense to defer my payment while I am in school. The only so-called deferment offered to me involves " interest only payments '' based on the interest bills provided monthly. Payments received during the deferment period will be applied to accrued and outstanding interest and then to my principal balance. I used to pay around 700 $ monthly before deferment. In my first three month of deferment from XX/XX/XXXX to XX/XX/XXXX, I have paid roughly 550 , 500 , 730 , and 420 $ respectively on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX! THEY CALL THIS A DEFERMENT? This is a total rip-off! I need to resubmit all the paperwork every three months because there are no options to submit my documents for an entire academic year and I lost the chance to do so in XXXX because the school was closed from XXXX  XXXX. I submitted a second application in XXXX  XXXX which was approved on XX/XX/XXXX. Being more cautious and proactive, I made a call asking if I am gon na need to make an interest payment by the XXXX XXXX XXXX informing them that my account shows " zero '' due amount. I was told they are calculating my interest amount and that most likely I would not need to make a payment and if I do they will notify me within a reasonable amount of time in advance ... and I get a message on XX/XX/XXXX that I need to make a XXXX $ payment on XX/XX/XXXX. They do not even have the decency to notify you in time. This is the best example of a terrible customer service. I am spending more time worrying and handling my student loan that focusing on studying. Had I known they are so defective, I would have never signed up for their services. I will look into changing servicer.
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: EQUIFAX, INC. (CA)

I am filing this report because I was at XXXX XXXX XXXX today XX/XX/20 and I was denied from opening an account with them because of my credit. They gave me a copy of my credit report and when I reviewed it, I saw that there are seven accounts on my credit history that I never opened. I have no idea why these accounts are appearing on my credit or who could have opened them using my information. I have never allowed anyone to open these accounts in my name nor do I have any written/verbal contract with any of these companies ; I have never opened an account with these companies and I never gave them permission to run and access my credit information. I did not benefit anything ( money, services, goods or any other benefit ) from these accounts that were opened without my permission and I already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (GA)

I received a phone call from XXXX today, XXXX @ XXXX. The call was a XXXX, and it disconnected without any opportunity to speak to anyone. Through internet research, I discovered that this number is for XXXX, the collections XXXX XXXX XXXX. A medical debt collection 's agency. Their web site is http : XXXX 

This is the thing though. The call was a XXXX and I never had the opportunity to write down anything before they disconnected. In addition, I have never received any written correspondence from this company delineating the debt, nor any correspondence outlining my rights to dispute. 

In addition, I have had this cell phone for only 60 days, and no medical bureau with a debt that is old enough to reach a collection 's status would have this number. And as far as I know, I have no legitimate medical obligation.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BMW Financial Services NA, LLC (CA)

In XX/XX/XXXX, fraudulent auto loans were obtained in my name through BMW Financial Services without my knowledge, consent, or approval. These unauthorized transactions were discovered by me in XX/XX/XXXX, when reviewing my credit report. The total amount fraudulently obtained is approximately {$79000.00}. 

Upon discovery of these fraudulent entries, I took immediate action to address the situation. This included : Reviewing my credit reports in detail to identify any additional fraudulent activity. 
Placing fraud alerts and credit freezes on my reports with all three major credit bureaus to prevent further misuse of my personal information. 

Filing this Identity Theft Report with the Federal Trade Commission ( FTC ) to officially document the identity theft and to assist in the resolution process with the credit bureaus and the financial institutions involved. 

These unauthorized loans have placed undue stress on my financial well-being and have the potential to significantly damage my credit score. I am seeking the removal of these fraudulent loans from my credit report and am requesting a thorough investigation into how my personal information was compromised. I intend to resolve this matter promptly to prevent any further fraudulent activity and to restore my financial integrity.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-02-27
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. (MD)

The company is XXXX XXXX. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting XXXX the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (NC)

Beginning approximately XX/XX/XXXX, I began receiving telephone calls from a collection agency at my workplace as well as on my cell phone. No message were left, only missed calls. On this same day, I conducted a XXXX search on the collection agency using the telephone number from which the call came. I discovered that the collection agency was using a spoofed telephone number with the area code of the city where I current reside. However, the collection agency is located in XXXX, New York. 

1. I did not give this company permission to call my workplace repeatedly whether or not a message was left. 

2. As of XX/XX/XXXX, it is illegal for a collection agency to use a fake telephone number or " spoof '' telephone number to trick a consumer into answering their telephone. As such, the collection agency is in violation of both state and federal law. 

Additionally, the collection agency has called my work and cell numbers using several different spoofed numbers with the area code XXXX, which is my current area code.
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: EQUIFAX, INC. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the equifax data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.