davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My mortgage subservicing was transferred from Seterus to Mr. Cooper as of XX/XX/19. My original interest rate was 4.785 %, however, Mr. Cooper has been charging me 4.875 %. It's such an obvious input entry by Mr. Cooper. However, my payments have gone up. In addition, they are charging me for an inspection fee due to the change of servicing. In addition to late fees since I have only been paying based on my interest rate of 4.785 %. I need your help in solving this. 

They confirmed the fees would be waived, but they still show on my statements as past due. 

They are charging me a higher interest on my loan! 

Please help. I've heard horror stories about Mr. Cooper.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

I received a letter from COMENITY CAPITAL BANK ( PO Box XXXX, XXXX, OH XXXX ) on XX/XX/XXXX. The letter stated that COMENITY was unable to approve my application for a XXXX XXXX credit card ( from XX/XX/XXXX ). However, I NEVER applied for a credit card or anything of the sort. I contacted COMENITY to report the application as fraudulent and to request that they notify XXXX to remove the hard inquiry from my credit report since it was fraudulent. I have spoken with COMENITY several times, most recently on XX/XX/XXXX. XXXX ( the COMENITY rep with whom I spoke on XX/XX/XXXX ), told me that she sent a notice again to XXXXx to have the inquiry removed. I have checked my most recent report and the inquiry is still there. I can not be paying for COMENITY 's  slackness.
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

In 2016 The mortgage company " Di-tech '' financial created an " unapplied balance '' situation to my account without any explanation, consent, knowledge and it did not appear on my statements, end of year accounting. For 3 months they send out " we are working on it '' ... " we take these issues seriously '', etc., etc, ... 
The matter has been attempted to deal with through The State of Michigan Department of Finacial and Insurance just rotting as the servicer " XXXX XXXX '', took the property in XXXX and keeps trying to tell me to contact the " Di-tech '' people. 

The point here is that THIS is exactly why you guys are here to handle. This particular situation involving a large fire claim, by another company, ( XXXX XXXX ), that actions taken against a XXXX " insured '', that the need to overhaul this industry, and people need to go to jail. 

So you can pass the buck and be part of the problem, or reach out .... get someone to meet me, get a case worker, office, subpoenas, DOJ, FBI, ... ..Just Call me Monday and let me .... show you. OR<OR<OR do nothing.
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (IL)

Zales credit card just hit me with {$260.00} interest charge on my XX/XX/XXXX statement. 

I got a total of 3 different rings for them. The 1st time my husband order online in XX/XX/XXXXand when the ring came in it looked a lot smaller than it was online. So we returned it to our local Zales Outlet Store in XXXX, IL on XX/XX/XXXX. 

We then purchased the 2nd ring on XX/XX/XXXX and when I was offered the promotion I declined it because I use to work for XXXX XXXX and they use to finance for XXXX XXXX once the 18-24 month of promotion would end they would get hit with anywhere from $ XXXX {$3000.00} worth of interest on their appliance so I rather pay the interest. 

On XX/XX/XXXX we purchased the 3rd and final ring we bought. The young lady was suppose to do an exchange, however she stated that she had to do a return then buy the new ring. After she returned she was having some issues with getting me the new ring because Zales kept declining my card. Finally they stated they needed to speak with me when the young lady called the credit department. After doing some verification they finally let the sale go through. 

So if I went from paying interest to a promotion I was unaware of it until yesterday. Well I get a notice from one of my credit monitoring on yesterday that stated that one of my cards are over the limits. It stated Zales. Please find the statements attached. It shows that I was paying interest on the 2nd purchase but changed on the 3rd purchase  unbeknownst to me.
Consumer complaint received 2019-12-28
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: Experian Information Solutions Inc. (CA)

I never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.
Consumer complaint received 2019-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MD)

I received check number XXXX from CitiMortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX for an escrow refund XXXX dated XX/XX/XXXX for {$250.00}. It was issued by Citibank XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX internal check number XXXX. 

I have the check in my possession and have not endorsed or made any attempt to cash it. I found it after I had my home renovated. In XX/XX/XXXX, I sent a certified return receipt letter to CitiMortgage at the XXXX address. It was returned to me. 

I'm unable to make the proper contact with CitiMortgage regarding this matter. 

Thank you for your assistance with this matter.
Consumer complaint received 2019-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (HI)

On XX/XX/XXXX, I called to change the date of my auto-debit for my student loan payment from the XXXX of each month to the XXXX of each month. I asked at least twice in different ways to confirm that the auto-debit date change would start in XX/XX/XXXX, not at the end of XXXX, since I had already made my payment for XXXX. I was assured both times I asked that my first payment where this date change would take effect was XX/XX/XXXX. 

Today when I logged into my checking account, I saw that an auto-debit is pending from my account for Monday, XX/XX/XXXX. I called Nelnet, who processes my student loans, and was told I needed to contact my bank because it was too late for Nelnet to stop the auto-debit. My bank was unable to help because the transaction is occurring within 3 business days. The Nelnet representative when I called back to Nelnet for a resolution was incredibly unhelpful, saying that I would " just have to incur a non-sufficient funds fee '' if I didn't have the money in my account to cover the payment that I was assured would not be coming out of my account in XXXX.
Consumer complaint received 2018-03-03
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. (VA)

On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.
Consumer complaint received 2019-12-27
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: BANCO POPULAR DE PUERTO RICO (CT)

Hard Inquiry from called Banco Popular De Puerto Rico. I live in US, never applied for anything with this company. I just found it today when I happened to check my credit. This was done on XX/XX/2018 I did notice my credit score went down and why I checked it. 
I called their # and was told to call the credit company. I call them ( XXXX ) abd they state they cant remove or investigate.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have a bankruptcy public record that is reporting to my credit report that belongs to someone else with a similar name. I called then visited the courthouse but they could not locate the file in my name with a matching Social Security Number. I contacted the creditors and credit bureaus to remove the bankruptcy along with the accounts relating to the public record. The creditors have removed the accounts off two of my credit bureau reports so far, but the actual bankruptcy still remains on my credit reports despite the removal of the associated accounts. Please help me remove this blemish on my report because it not accurate.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I contacted HSBC right away letting them know to take off the XXXX as we were sold fake jewelery but charged for real. We sent in the information they asked over 3 times and have paid and have proof it went through but instead of taking it off my account they are leaving it their and keep sending the same form to send out this was supposed to be taken care of this is back from XX/XX/XXXX 31
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2019-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2019 {$25000.00} was taken out of my account without my permission. The very next day on XX/XX/2019 another {$2500.00} was taken out of the same account. On XX/XX/2019 {$2500.00} was taken out of my account. Then on XX/XX/2019 another {$2500.00} was taken out of that account. That was {$10000.00} taken out of my account within a 12 day span. Then on XX/XX/2019 another {$2500.00} was taken out of my account. On XX/XX/2019, another {$2500.00} was taken. This is {$15000.00} that has gone missing from my account. Each time I filed a complaint I was told the amount would be returned within 10 days of the transaction. With each of these incidents the 10 day mark passed & the money that was taken was not returned. Ive asked, called, texted, & waited patiently for Bank Of America to return all of the money they have taken from my account. The bank failed to do a reverse wire for all of these transactions. With the last transaction Bank Of America refused to reopen an investigation. They promised that the money would be returned to me & is refusing to give me my money back,
Consumer complaint received 2020-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC (GA)

I applied for a loan XX/XX/2020 and started submitting paperwork to the lender. After submitting all my paperwork the lender began reviewing and stated that my DTI was too high. I called and asked for more information and uncovered that 2 sources of income were not included in their calculation so I asked that it be corrected. After that conversation on XX/XX/2020 I have been unable to reach my loan officer. I spoke with her manager and was assured that it would be corrected but I have still struggled to get information from the company. At this point ( XX/XX/2020 ) I am seeking other lenders for my loan because I am unable to get access to anyone at the company who can help me. I was told the loan would close in 7-10 days from application clearly will not happen.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NY)

I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'XXXX/XXXX XXXX. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. XXXX - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted XXXX on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?
Consumer complaint received 2023-06-28
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. (GA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I called Amex back up after the first employee intentionally disconnected the phone on me after putting me on hold. I was eventually connected to another employee who actually seemed like she wanted to help. She was instead directed to send me to the Executive Office- a remnant of years ago when the company unilaterally closed my account in retaliation for me reporting its abuse. This further wasted my time. 

I proceeded to call this Team and the employee could not explain why I did NOT receive an email from the XXXX guide for XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, all of XXXX and going back into XXXX. She just kept victim blaming saying I must have signed up for it again. 

Nope. You all unilaterally signed me up for it. 

She then acted like it was not part of AMEX but a separate company, while the email I received literally prompts the user to open an AMEX website. 

She also told me there was an unsubscribe button on the bottom of the email. No there is not. 

The AMEX employees just never seem to know what is going on. It does not matter what the service or issue is nor what year it is. Your employees constantly provide employees with incorrect information while wasting customer 's time. And then you victim blame customers as this waste of time aggregates into abusive absurdity.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (KS)

After multiple attempts to contact Transworld Systems Inc in XXXX, PA - we then mailed our dispute complaint postmarked XX/XX/19. This was responded to on XX/XX/19 - with irrelevant documents. the claim amount they want to collect is {$730.00}. with the lack of willingness to communicate or provide any requested documentation to the validity of the claim, this seems very fraudulent. you can not just say someone owes you money and then turn them over to collection. you have to show liability of the claim. A repair bill is not proof of liability. How do I know an employee did not damage the car and is blaming me to keep from getting in trouble? that is exactly how this feels.
Consumer complaint received 2018-03-03
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. (VA)

On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

XXXX and Enhanced Recovery. I was a XXXX customer for years while living in XXXX. In XXXX, I moved to XXXX and the phone service basically did not work. For 6 months I complained to the company about the dropped calls and no service and there was nothing they did. I kept asking to be let out of the contract so I can get a different phone company because their service did not work well or sometime NOT AT ALL in XXXX at that time. XXXX breached the contract because they did not provide the service I was paying for. I stopped paying for the service because I was not getting any service. They should not be able to charge me for service they could not provide. I was not going to continue to pay for service that I was not receiving. This was in XXXX and this year, their collection agency re-put this on my credit. XXXX would not remove this from my report. This is not fair that a company can keep putting a claim on my account when they are the cause of the cost.
Consumer complaint received 2018-03-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (VA)

At the beginning of XX/XX/2018, the mortgage on my home at XXXX XXXX XXXX, XXXX, VA XXXX, which until that time was held by Sun West, was transferred to XXXX XXXX XXXX. At approximately the same time, XX/XX/2018, the premium for the insurance was due. Subsequent to this time, I was informed by XXXX that the payment had not been received ; so I paid it. Later, I received a check reimbursing me from XXXX and informing me that the premium had been paid ( by Sun West ). I have now received again a notice from XXXX that the premium is due ; and, upon inquiry, I was informed that Sun West stopped payment. 
At this time, I have again sent in the payment, which was to be paid out of escrow, for the insurance premium. Subsequent to XXXX  informing me that the premium was due, I contacted XXXX XXXX and they stated that Sun West owed it ; so, I have two mortgage companies each saying the other owes the premium. This is the second year in a row this is happened.
Consumer complaint received 2024-06-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Titan Solutions Group LLC (OH)

A caller with a phone number of XXXX is impersonating a lawyer out of XXXX ( red flag # 1 ) and claiming to be working with a debt collection company in NY called Titan Solutions group. They refused to provide an mailing address to the company and say they have centers all over including in TX and GA. Simple XXXX of her phone number shows this is a spoofed phone number ( red flag # 2 ) as well as there are multiple Titan Solutions groups listed online with only 1 being listed as in NY as a business of some sort but does not have a registered mailing address associated with it ( red flag # 3 ). Said they can see that I own some land as well ( I dont own any land ). They refused a Debt Validation Letter including Contract with original Creditor via postal mail. Said they would send it via email as that is how they do business and said I would only have 5 days to negotiate with them before they escalate to negatively impacting my credit again and threat to sue. I do not do emails due to recent attempts at several scams including XXXX selling my personal data to multiple illegal fake debt collectors all attempting to collect on the same debt. XXXX closed and wrote off the debt to the last of my contact with XXXX explaining they are not registered to do business in Ohio and per Ohio AG it was an illegal loan for them to market to me but also provide me against ohios interest and loan laws and creditninja is not taking any interest in clearing it up after that notice.This Titan Solutions group shows nothing short of trying to do email phishing scams, refusal to not just provide the debt Validation and contracts via postal mail but also refusing to adhere to the 30 day debt collection hold they must do once it's requested and said they would only give me 5 days to click on their email and setup a payment with them.