davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Your company incorrectly reported the months of XX/XX/2021 and XX/XX/2021 as 30 days late to the Credit Bureau. Your representatives stated that the Forbearance program that I was under due to XXXX hardship had ended. She said the program had ended and my only option was a loan modification program. I promptly completed and submitted that application for your review. I called weekly for an update on the process and requested documentation ( a reference number or submission number ) for which I was told there was no documentation and no decision had been made. I finally spoke with XXXX on XXXX who told me a decision was made on my account on XXXX to place me back in the same Forbearance program that I had been told had ended. Meanwhile, while waiting as instructed for a decision about the direction on my mortgage account your company reported my mortgage as 30 days late twice. This is patently unfair and is negatively impacting my credit account which was protected in the Forbearance program. Im writing to have you correct the two 30-day late payments with the Credit Bureaus as that was not my fault for nonpayment.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (CO)

The credit karma card was sent to me. However, there was no way for me to edit the text nbr that they have. It was old text nbr. I can not even change the text nbr and tried to find a way to reach credit karma. A live person was no where to he found. I submitted the info to change from old text to new text nbr, but ... this credit karma wants more info. I am not comfortable with giving private info thru email and prefer to speak to people thru phone to help me as a customer with the card to activate! There is no live person! This is same as XXXX ... no way to communicate with people in live persons. This is frustrating!! I need my XXXX card to be activated! And need to change my text nbr and bank info. They have my old bank info!
Consumer complaint received 2024-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

My mortgage loan was transferred to Mr. Cooper and they did an Escrow Analysis in XX/XX/XXXX and said I was paying too much into the account and lowered my payment from XXXX ( found by my original loan ) to XXXX because property taxes were not as much as they expected. Then I get another analysis done XX/XX/XXXX saying my mortgage payment is being raised to XXXX because I did not have enough to cover property taxes. That is a huge jump in payment, I complained asked if I could remove the escrow account and pay on my own because a XXXX EXTRA a month payment is ridiculous and I could handle funds better. They said no, and cut the extra payment across 3 years so I now pay XXXX a month, still ridiculous. I got a notice in XX/XX/XXXX that we were moved into a flood zone and needed to purchase flood insurance. I let them know we would be purchasing our own policy, they purchased one for us anyways that was XXXX dollars and charged my escrow account, after I purchased a policy from XXXX XXXXl for XXXX and sent them the declaration page. They then paid XXXX dollars to XXXXXXXX XXXX after I spoke with them on the phone telling them I already paid it and had the receipt and XXXX XXXX said I had to pay the whole year to issue the policy and declaration page. So I then had a bigger negative escrow balance because they paid XXXX flood insurance policies, when they did not need to pay for any and they ran an escrow analysis in XX/XX/XXXX and want me to pay XXXX a month. They told me I would receive the XXXX dollars back from XXXX XXXXXXXX and I have to deposit it in to the escrow account. I have received nothing, I want the escrow account removed from my loan and I can easily handle the funds much better than XXXX XXXX incompetent analysts.
Consumer complaint received 2022-01-26
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. (IL)

I recently received a copy of my credit report from your bureau and found out that there is/are incorrect information stating that I was paying late. Ive never been late and always paying on time. I hope you can update or correct this information on my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Found out that these is incorrect information listed under my name and I was never been late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) 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 an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

First Federal Credit has a medical bill on my credit report that is not mine. Its my ex husbands and the debt was after my XXXX. I have disputed this and it was included in my bankruptcy just trying to get it off my credit and this company refuses to remove it
Consumer complaint received 2024-06-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I paid off my XXXX XXXX  credit card account, XXXX, and then closed it as I no longer needed the account. However they continued charging fees, So I had to have my attorney contact Comenity Bank to stop collection activity. The situation was eventually corrected. 
Afterward, there was then a hold placed on my Bealls account at the same time ( Bealls is with Comenity Bank as well ). Upon inquiry why there was a hold, I was told that since I had legal representation with Comenity Bank with the XXXX XXXX credit card, Bealls would not communicate with me directly. 

Then I had my attorney write Comenity Bank a letter to resolve the issue since they now would only communicate with my lawyer, but the bank never responded to my attorney. 
The issue is the bank will not let me use the Bealls card because it is frozen because an attorney is involved. The balance was XXXX at all times during this ordeal, but now they are charging me {$36.00} per month fee on a frozen account. And no one will address the issue and now they are reporting it negatively on my credit. 
I would like the card unfrozen, fees deleted and negative credit deleted.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received a promotional offer with an invitation code to the Bank of America XXXX XXXX  credit card. I used the code and applied on XX/XX/XXXX. On XXXX I received an email stating that my application could not be approved and a letter would be sent to describe why. On XXXX I received the adverse action notice with incorrect adverse action reasons. 

On XXXX I wrote an mailed a letter to the address provided on the adverse action notice. In the letter I stated : " There were XXXX adverse action reasons provided on my letter. The first is XXXX or more of your accounts were written off as uncollectible and/or have settled for less than the total amount owed. Neither of the reasons in this or statement are correct, and I have verified with the XXXX credit bureau as instructed on the letter. I have never had any outstanding loan not paid on time nor paid in full in my entire credit history. 

The second reason was Current or past delinquency on XXXX or more of your accounts with us and/or our affiliates. Again, I have never been delinquent, ever, in my entire life on any account including those issued by B of A  and its affiliates. I verified this fact with XXXX. 
" On XX/XX/XXXX I received a second adverse action letter ( Dated XX/XX/XXXX ) that was identical to the first. B of A completely ignored the context of my response and just resent the first letter a XXXX time. 

My complaint is that B of A is sending incorrect/invalid adverse action reasons on their denial letter. 

The reference number for my denial letter is XXXX.
Consumer complaint received 2022-01-26
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 a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Lets make this very clear, I am fed up with the excuses I am getting from you in regards to this account. This is not my account. If you can not provide me proof of this within 30 days then you MUST delete this bankruptcy at once. I will no longer tolerate this tremendous error to occur in something so sensitive and serious as is my credit report. 
This is the account that needs to be removed from credit report : US BKPT CT XXXX  XXXX XXXX XXXX Remove this account at once and since you claim that you have confirmed with them I need to see this suppose document with my signature on it proving this. If you can not provide me with this within the 30 days then you HAVE to remove that account. Do not push me to take legal actions!
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I recently received a Citizens Escrow Account Disclosure Statement dated XX/XX/XXXX. I have attached a copy of the statement ( page XXXX was intentionally omitted as it is blank ). 

You will notice on page XXXX of the attached Citizens statement showing my escrow activity for XX/XX/XXXX through XX/XX/XXXX, there was NO escrow payment indicated for XXXX, XXXX. While I realize that as of the date the statement was generated ( XX/XX/XXXX ) Citizens had not received any escrow payment for XXXX, it should have been estimated in the same way that the month of XXXX, XXXX was estimated. Citizens has only reflected XXXX months of escrow payments on their statement when there should be XXXX. 

I participate in Citizens ' bi-weekly mortgage payment program and my XXXX bi-weekly XXXX mortgage payments have already been made which Citizens ' online escrow records reflect as of today ( XX/XX/XXXX ) with an escrow balance of {$4300.00}. Once my XXXX payments are made ( which Citizens has appropriately reflected on the escrow statement as an estimate ), my closing escrow balance will be {$5700.00} and NOT the closing balance of {$4300.00} for 2021 Citizens show on their statement. 

This is relevant as Citizens is currently asking me to pay {$2700.00}, the difference between their incorrect XX/XX/XXXX opening estimated escrow balance ( {$4300.00} ) and the required opening escrow balance ( {$7100.00} ) as of the same date. 

To conclude, I believe the amount I owe Citizens at this point is {$1300.00}, the difference between your required balance of {$7100.00} and the correct opening balance of {$5700.00}. 

It should be noted that over the last week I spoke to XXXX different customer service representatives at Citizens ( XXXX of the XXXX was a supervisor and another of the XXXX was in the customer advocacy dept ). They all kept telling me that because the statement was generated on XX/XX/XXXX and no XXXX payment had been received at that point, my payment was listed as {$0.00}. I asked them why XXXX couldnt be estimated like XXXX was estimated and they really had no good answer.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (PA)

A hard inquiry that I did not authorize is on my credit file with XXXX ( only ) from a creditor named XXXX. I did apply on the date in question with XXXX, but only once. There are two hard inquiries from XXXX on my file ON THE SAME DAY. I only authorized one pull on my report. I did contact XXXX XXXX about this and the said they would correct it, but have not. XXXX also would not help ( they are awful to deal with in regard to removing unlawful hard inquiries. 

I RECENTLY PURCHASED A NEW CAR. DURING THIS PROCESS, I APPLIED WITH XXXX ( WHO I BOUGHT FROM ), XXXX XXXX ( ONE TIME ONLY, AND THEY WERE ADVISED THAT THE I ONKLY AUTHORIZED XXXX XXXX AND NO OTHER LENDERS ), AND XXXX XXXXXXXX ( THAT WAS ONLY A SOFT INQUIRY ).
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

In XXXX of XXXX, my mother was diagnosed with XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, she filed for XXXX protection with her mortgage lender, Wells Fargo. In XXXX of XXXX, she passed away in the XXXX unit at XXXX XXXX XXXX. I am a XXXX adult who lived with her and helped pay the bills, but she used her retirement to pay most of them. When she passed, there was very little left in her retirement and she had no future planning. The funeral was paid and there was not much else left. 

The XXXX forbearance continued until XXXX of XXXX, when Wells Fargo informed me that the forbearance had run out. I went through the process of becoming the confirmed successor in interest, as my mother had left me the house. I was told by the company that when I became confirmed successor in interest, I would be able to have the forbearance added to the end of the loan and pay the loan as usual. 

I have been told now, though, after I am confirmed successor, that I must bring the account current and that the two mortgage payments I made ( {$1100.00} ) are only towards the back pay and not to bring the account current, as I was told by a young man named XXXX at the Account Resolution department that they would. 

Even though I am confirmed successor, I am being forced to assume a loan I will not be approved for, damaging my credit and losing my house. I feel as though this is contrary to both the spirit and the intent of the XXXX mortgage relief. Who, after a GLOBAL pandemic, is going to have an extra 18 months worth of mortgage payments sitting in their bank account if they couldn't pay them at the time?
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My request for the correction and removable of the erroneous information about my account has been diligently neglected by Experian. Despite sending them letter last XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian 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. KINDLY REMOVE this account that is still reporting on my account : XXXX XXXX XXXX XXXX Opened Date XX/XX/2021 XXXX {$50.00}
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (IL)

On XX/XX/2021, we applied for a cash out refinance of our mortgage through our current lender, M & T Bank, via their website. By XX/XX/2021, we have heard nothing. I sent an email to the contact lender generated at the time of application. Her name is XXXX XXXX, XXXX XXXX. She immediately responded and stated that she would like to speak with us by phone. We set up a meeting for XX/XX/2021 at XXXX cst. She never called. She never emailed with an apology for missing the appointment. She's never given us any updates on the application. And, she's never provided us the required Loan Estimate. 
The reason for the complaint is because we have yet to receive a Loan Estimate. The application was completed and credit has been pulled on my spouse and myself by M & T XXXX. 
At this point, we've taken a hard hit on our credit report which really isn't going to affect our chances of refinancing with another company because of our credit score. But, waiting XXXX weeks for communication on an update or having to ask for the Loan Estimate that should have already been provided is simply unacceptable.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NC)

I was contacted on XX/XX/XXXX @ XXXX XXXX EST by the XXXX XXXX XXXX. When they contacted me I was told to redial the phone number which I did and then I began talking to the case manager about an alleged debt that my wife owed. I called my wife and continued with a 3 way call with the debt collector. It was told to us that there was a pending civil action that would commence if we weren't able to resolve this debt. The alleged debt was to XXXX/Wells Fargo Bank in the amount of a little over {$300.00}. We were shocked because we have never had an account with XXXX/Wells Fargo bank at all. We were told the account was opened on XX/XX/XXXX and closed was charged off some time in XXXX. It was suggested that we take a letter which was sent to my wife 's email address to the bank in order to verify the debt and gather more details. I did exactly that on XX/XX/XXXX and in addition to that I also called both the corporate phone number for overdraft and recoveries and the customer service department. The account number given by XXXX XXXX XXXX could not be verified by the bank at any of the 3 locations I tried to get it verified at. The representative could not find the account number nor did they have any record of my wife 's social security number ever being associated with any account past or present. I then called the XXXX XXXX XXXX back to inform them of my findings and ask them for proof of this debt. and the representative I spoke with said that they would proceed with making marks within the XXXX XXXX as well as sending this notice of debt to the Credit Reporting Agencies. After a little research on this company I found that there are 13 complaints to the XXXX for exactly the same situation just different amounts of money. I believe this company is fraudulently trying to collect on debts that don't exist.
Consumer complaint received 2022-01-26
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. (GA)

Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the Experian, XXXX and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.