davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

My mortgage was purchased in XXXX by Specialized Loan Servicing. XXXX XXXX XXXX. XXXX XXXX, Co XXXX In XXXX the company began purchasing two homeowners insurance policies for the same duration of time. Each policy purchased sufficiently covered the financial responsibility for the property, creating a deficit in my escrow account. The company never notified me of this practice or action. The company then escalated my monthly mortgage payment to include the deficit they created! In XX/XX/XXXX I complained in writing, due to their inaction over the past two years! The company then placed a 60 day late payment on my credit report and purchased two homeowners insurance policies again in XXXX of XXXX while still in talks about this complaint, after notifying the mortgage company Not to Renu the current homeowners insurance policiy and providing them with the correct information on the new insurance company to provide payment to, the mortgage company had already paid to renew the policy and never informed me of the situation. Escalation payments were requested from the mortgage company. I paid the escalated request amounts. My monthly statements were often incorrect or lacking pertinent information. 
In XXXX of XXXX the winter storm in Texas caused sever damage to my home. In XXXX of XXXX I mailed the first installment repair check to the mortgage company for endorsement and I never received the check back to begin repairs. My home remains gutted, with no repair work being done because of the mortgage company 's inability to correct the issues of my concern. It will soon be a year that I have been unable to live in my home! 

In XXXX of XXXX the mortgage company 's attorney requested proof of the XXXX and XXXX double payments to the insurance companys, stating their request was to settle this mix up with my account. I complied and no attempt was made to correct my account. Now their story has changed along with the accounting history of my account. 
I began to pay only Principal and Interest in XXXX of XXXX. In XXXX of XXXX I learned that nothing has been corrected and my principal and Interest payments are being applied to the escrow account imaginary arrears. 
All documents have been provided to the mortgage company along with recordings of my conversations with their employees. The only action taken has been a re-creation of the accounting within my account, within their company.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (ME)

My mortgage servicer recently changed from Amerihome Mortgage Company , LLC ( " Amerihome '' ) to XXXX XXXX  XXXX ( " XXXX  '' ). Amerihome sent my wife and I a letter on XX/XX/2021 informing us about the change to XXXX. The letter stated that all payments should be sent to XXXX at a XXXX XXXX XXXX XXXX, IL. My wife and I had automatic payments set up with Amerihome. On XX/XX/2021 Amerihome sent us an email stating that if we had automatic payments set up with them it would continue with XXXX and no further action was required on our part. Our mortgage payment was due on XXXX. 

On XX/XX/2021 ( five days after our payment was due ), Amerihome sent us a correction email stating that our automatic payments would not be continuing and that we either needed to set up an online account with XXXX or mail the payments to XXXX and again provided the po box in XXXX, IL. My wife and I promptly mailed a check the next day as we had not received a letter from XXXX yet with our account number to be able to create an online account ( we tried to set XXXX up before mailing the check out ). 

On XX/XX/2021 ( the end of the 15 day grace period for late payments ) we still had not seen the check cashed. I called XXXX and the customer service representative I spoke with explained that Amerihome had given us the wrong payment address. The correct payment address for our mortgage was a po box in XXXX, CA, not XXXX, IL. The customer service representative asked if our prior servicer was Amerihome and stated that Amerihome sent out these emails ( with the auto pay info and the wrong payment address without confirming the information with XXXX ) to many people and they were getting a lot of calls. XXXX advised me to cancel my check and make a payment online ( I now had the information I needed to set up an account ) and that there would no penalty or negative impact on my credit score as the grace period is extended to 60 days when servicers change. 

I then issued a stop payment order with my bank and was assessed a {$35.00} fee for doing so and made my XXXX payment to XXXX online. I contacted Amerihome to ask that they reimburse me for the {$35.00} fee because it was only assessed as a result of their incorrect information. I explained what had happened, just as I have here and provided them copies of the emails they sent me, evidence the {$35.00} fee was charged, and evidence that the address they gave me was wrong. They told me that the address was not wrong ( it is, and is easily verified on XXXX 's website ) and that they verified it with XXXX before sending and told me to take up my issue with XXXX. They did not acknowledge the fact that they told me my automatic payment would go through just fine and only told me it wouldn't after my payment was due. 

I have no way of confirming if XXXX incorrectly confirmed the information for Amerihome, but XXXX did not provide me any incorrect information to me that resulted in this fee, Amerihome did ( multiple times ).
Consumer complaint received 2019-12-05
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)

Experian refuses to delete a negative XXXX XXXX XXXX account that is too old to report. Experian has date of first delinquency incorrect and will not correct.
Consumer complaint received 2021-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Over 2 years ago, I requested a manual review of almost 33 payments XX/XX/XXXX to XX/XX/XXXX that have been labeled as ineligible payments for PSLF programs and have not received a reply. I have called FedLoan and have been told there is no timeline for these requests. 

I am now requesting help to have this review completed as I am now over 120 payments but can not have loan forgiven, because these payments are not being counted. I have been told that the payments that were initially marked as ineligible are due to being on the wrong repayment plan, payment outside of the payment window, and no bill being due. I am on the correct payment plan, and did not pay outside the payment window. I believe without my knowledge they put me in forbearance in order to complete the transfer of my loans. During that period, I was paying the loan, however, they were not counting it due " no bill ''. I have called FedLoan to request administrative forbearances be retroactively removed from my account. Prior to FedLoan, I was paying Direct Loans since XX/XX/XXXX and it was switched to FedLoan in XXXX. However, FedLoan only has records from XXXX even though my loans were consolidated and being paid from XXXX. Attached are my tax returns, on line 18 were you can see the student loan interests being paid. If I was not paying my student loans, I would not be able to complete that on my tax forms. 

Can you help me get the manual review completed on the eligibility of my payments through FedLoan Servicing? ''
Consumer complaint received 2021-10-25
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: Credit Corp Solutions Inc. (NV)

This account recently appeared on my credit report. There is a collections amount of {$190.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (LA)

I sent certified mail to all three credit bureaus and still havent received a response. All the letters asked for validation of debt and inquiries and I havent received a response its been longer than 30 days!
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Just TODAY pulled credit score directly from EXPERIAN. XXXX. CALLED BANK for refinance TOLD XXXX. Wife even lower THE GREAT SCAM CONTINUES. See prior complaint. Opinion The system set to scam people. Now get even lower score because rejected for loan. How pitiful you all are. Entitled to that opinion by nature of experience and your works or lack thereof.
Consumer complaint received 2021-10-25
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. (GA)

Experian is continuing to report an aged out account. I have submitted proof of the age and the company XXXX XXXX XXXX XXXX has responded saying that it is old but they will continue to report it and Experian is responsible for deleting it. Experian 's response is always to defer to the company and this is a violation of my rights. The account should be deleted from my report based upon FCA rules not based upon XXXX XXXX XXXX XXXX 's discretion. Please reference case number XXXX for all evidence and responses from both parties.
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on me
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XXXX-Date of XXXX XX/XX/2021 2021
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I wrote to H.R., the Executive VP at XXXX stating that the credit reporting agency violated my rights as an American consumer by sharing my personal, non public information without my consent. 15 USC 1681 ( b ) Permissible purpose of consumer reports, clearly states that any consumer reporting agency may furnish a consumer report under the following circumstances and No Other. They need your written consent to add anything to consumer report if you did not give this authorization. There is also an exclusion, which states that reporting transactional data is, in fact, illegal. 15 USC 6802 ( a ) ( b ) Obligations with respect to Personal Information and 12 CFR 1022.3 defines Identity Theft as fraud committed or attempted using the identifying information of another person without authorization. Anything added to your report without written Consent is considered identity theft. 15 USC 1681 ( n ) Civil liability for willful noncompliance and in general ; Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of. ( A ) and ( B ). And finally the Privacy Act of 1974 ( b ) Conditions of Disclosure.

On top of that, there are multiple inquiries on my credit report that should not be there. 15 USC 1681 ( b ) Permissible Purposes clearly states that if the consumer does not have an open account with the lender that inquired, they have to remove the inquiry OR send the documentation that they used to verify the open account. I also requested that they remove any address listed on my report besides the one listed on my letterhead, for they are Non-Mailable addresses and should not be there. In my letter I clearly stated that This information was obtained unlawfully and failure to act would make them liable. This letter was sent in XXXX, it is now XXXX, and in their response they claimed that they can basically do whatever they want and no changes were made to my report. This gross negligence has caused immense damage to my quality of life and has hindered my ability to pursue happiness. Willful non-compliance can easily be proven with record of the original letter, their written response, and their failure to comply. I request IMMEDIATE action to remedy this violation of my consumer rights.
Consumer complaint received 2021-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OH)

My XXXX payment, XXXX payment were not posted until XXXX even though they were mailed on time. Due to snow storm in Texas. My XXXX, XXXX, XXXX payments all went to interest nothing to principal Making my credit look like I missed payments. I have been trying to deal with Santander Consumer USA since XXXX to straighten this matter out. I have gotten the same run around. XXXX  XXXX referred me to you. I am also complaining about the 25 % interest rate. 36 states are suing them for their illegal practices. I want my account set straight. I've already paid them what I borrowed for this loan. I borrowed {$11000.00} and they want me to pay them {$32000.00}. That's outrageous and then they want to pull this kind of stuff. You can't take advantage of people because it snows and you don't work. My payments were consistently paid from the beginning of my loan the same time with no changes until the mess up of missing payments during the snow storm. You can see that from my attached spreadsheet with every money order number date and statement date and date they posted it from the beginning of my loan. You will see where they have taken payments that have been made and days later reversed the payments and made them again. I'm also attaching a letter explaining their letter and a copy of the first page of their letter. So you can see the confusing and messed up stuff they try to use to explain what they've done.
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Interchange Group LLC (CA)

Company called in aggressive tone. They stated the debt and amount. Told me they sent an attempt to collect via mail. Which i never received nor was aware of. Told me they were going to file judgement to court or something like that that my debt was in delinquent state. The asked me do i want to resolve this yes or no. I said i cant give you answer until i find out whats going on but he interrupted saying youre not goving me answer of yes or no. The whole call i was stating i couldnt give him an answer at the moment. IN one occasion i said uhh i cant give you answer at the moment. He replied with you said uhh which means youre lying and most likely dont want to continue to resolve this. I told them multiple times i was at work. I aske a question and he started laughing. He tried to rephrase what he was saying to try and get me to give him an answer.
Consumer complaint received 2021-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Hello, I sent the the check for paying off the lease on XX/XX/2021, more than 4 months have passed I still do not have my title on the car. I called the Hyundai Motor Finance company several times, every time I called them, they gave me misinformation. Whenever I asked for the last name, direct phone number or extension number or email address of the person, they did not provide those information. On XX/XX/2021 I spoke to their representative in their title department, I was told that the title was released to my mailing address on XX/XX/2021, I told her I did not received the title, I asked her if you can please mail it to me through a certified mail, I offered I will pay for the postage cost, she said she can not do that. She suggested for me to send sent a written request along with a DMV fee for a duplicate title to their address. On XX/XX/2021, I sent what she requested through USPS next day delivery. On XX/XX/2021, I spoke to their supervisor, he said they still has not received the mail that I sent on XX/XX/2021. Thank You!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (MS)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report