davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

We refinanced our home, and the first mortgage payment was due on XX/XX/XXXX. Our escrow documents and loan officer gave us the company to which the payment was to be made : XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX transferred the servicing to a new company : Amerihome Mortgage ( Amerihome ). 

The loan balance at the time of the refinance was {$690000.00}. After the first payment, the principal balance decreased to {$680000.00}. Amerihome showed no evidence of the first payment made on XX/XX/XXXX to XXXX, so I made an additional payment on XX/XX/XXXX so that our mortgage wouldn't appear to be late. Each month since then, I have continued to make our mortgage payment because Amerihome has not yet reflected the original payment. 

I have contacted both companies, and XXXX provided an accounting showing that the balance that was transferred to Amerihome reflects the original payment. Despite multiple calls, faxes, and letters to Amerihome, there has been no credit to our account for the original payment made on XX/XX/XXXX. 

I sent a fax to Amerihome 's research department but I do not know the date of this fax. I sent a letter on XX/XX/XXXX, to both Amerihome and XXXX. XXXX followed up with a letter explaining the accounting and sent me the documents via email. I sent a follow up letter to Amerihome on XX/XX/XXXX, with all of the documentation from XXXX as well. I have not received any written responses from Amerihome for my inquiries. When I call Amerihome, they assure me that the matter will be resolved, and it never has been resolved.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was charged {$280.00} incorrectly by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX XXXX on XXXX XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.
Consumer complaint received 2019-01-14
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. (IL)

I am concerned about the validity and accuracy of the credit report which I acquired online ..They are just simply amazing! They put stuff on my credit report without even warning me about it. I am a victim of identity theft and the account is not my responsibility.. XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-01-14
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. (GA)

I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged. that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork I have included proof to show my balance was paid
Consumer complaint received 2023-08-07
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. (DC)

I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, Experian, and XXXX to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXXXXXX XXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX XXXX untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.
Consumer complaint received 2019-01-14
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX  Bankruptcy Discharged XXXX
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

Aspire credit card is charged me for paying early, the person I spoke with said, if I pay the bill on the first 3 days of the month, it goes to the perverse monthly payment, and they have charged my a late fee for paying early, I feel this is bad business
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (OK)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (OK)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OK)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

2 accounts showed up on my credit report for XXXX XXXX. They opened 2 accounts totaling around {$6000.00} total There were also over 10 hard inquiries because of this. I want them removed ASAP.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (RI)

I purchased a new home before selling my old home. I went through XXXX XXXX, XXXX XXXX Mortgage Advisor. He recommended XXXX XXXX XXXX as the lender because they offer a 'recast ' product which allows me to apply the proceeds of the sale of my first home, and it will lower my monthly payments as opposed to just applying it to the principal and keeping the same high payments. We closed on the new home XX/XX/19 and sold our original home XX/XX/19. On XX/XX/19, I called XXXX XXXX XXXX to start the recast process. When I called, I was told I had to email them, so I emailed them that night with all my information. This included the account number, my contact info, and how much I wanted to put on the mortgage. I received an auto reply, so never opened the email until XX/XX/19. As I scrolled down, I read they were asking for all the info I had already sent them. I replied to that email and repeated the information which was in the earlier email. I heard back on XX/XX/19, in a confidential document that I had to sign in for, only to read that they could not start the process because my loan was getting sold. I had to apply again after XX/XX/XXXX. XXXX XXXX had said the process takes 60-90 days, so now I have to wait until XX/XX/XXXXto apply again to start the process! I feel this is a scam and a way for them to keep getting high interest payments from me. I contacted XXXX at XXXX, and he contacted them to see who it is getting sold to. I'm in fear then ew company wont allow recasting! It hasnt evenbeen assigned yet, it's only in the process of getting sold. This is another reason why I dont understand why they can't allow me to recast now. Please advise asap, time is of the essence.
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MS)

Good Evening, I Bought a television over a year ago for close to {$1500.00} with a CITI Best Buy credit card shortly after getting the credit card. Have been paying on the card now for over a year no issues. Two months ago XX/XX/2018 I noticed that my minimum payment had increased dramatically. I thought nothing of it, and I payed the bill. The next month XX/XX/2018 I noticed the same issue. I decided to open my account, and take a look at the activity to see what was going on. I started to dig, and noticed a {$1000.00} interest charge. I thought that there might have been a mistake, so I called their help line on I believe XX/XX/2018. I talked to the phone operator, and was told that there was no mistake, and that I had signed up for a no interest year and a half, or two year financing plan. I was told that I did not pay the debt off in time so they charged me a ridiculous amount for interest. I did not sign up for this program, and tried to explain this to the phone operator. I got nowhere with him so I asked to speak to the supervisor. I talked to the supervisor, and she informed me that she could extend the payment deadline to XXXX  that night to pay off the XXXX debt, but no further. I had called them around XXXXXXXX XXXX  so roughly 7 hours to pay an unexpected bill of XXXX $ to avoid a XXXX fee while I was in the middle of paying my bills. I told her that I did not have the money right then and there, but if she could extend the deadline to my next billing date I would be happy to settle my bill. She said this would not work, and 7 hours was the best she could do. I did not sign up for this program they are committing me to, and I would like to resolve the issue as soon as possible. 

Thank you for your time.
Consumer complaint received 2018-07-11
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)

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I opened disputes with Experian regarding an account with XXXX XXXX XXXX that is showing on my report that was settled in XX/XX/XXXX. The company removed this account from XXXX XXXX and XXXX, however after submitting documentation to Experian they continue to state that they have contacted the origninal creditor XXXX XXXX XXXX  and this information is accurate. I have all the documents and have spoken with XXXX XXXX who agrees that this should have been removed as they requested. XXXX XXXX XXXX sent Experian a letter as well as myself indicating that they do not own this account and the name of the new account holder which is XXXX XXXX XXXX. They still refuse to remove this from my credit report.
Consumer complaint received 2019-01-14
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: CITIBANK, N.A. (TX)

XXXX XXXX Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current XXXX XXXX {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days. Sears Credit {$600.00} Closed acct was less than 30 days late when closed. Sears Master Card Credit {$1200.00} closed acct was current.

Sears Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX  Mastercard {$2700.00}
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

After paying off my account Syncrony closed my XXXX Change Account. The account has never has a late payment, and I just paid the account off. Its bad enough that it only had a XXXX dollar credit limit after they lowered it from XXXX dollars, but to close the account for no reason is absolutely ridiculous.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC (CA)

XX/XX/2019 paid off outstanding loan. Check from the escrow company that paid Best Egg on my behalf was {$2600.00} more than loan balance as I had continued to pay my monthly instalments even as my re-finance applicaton was being approved and processed. 
XX/XX/19 I called to confirm my mailing address for Best Egg to send my refund check. 
XX/XX/19 I was told my check had been mailed on XX/XX/19 and returned unopened. Another check would be sent and should be received by me by XX/XX/19. 

XX/XX/19 No check yet. Spoke with XXXX XXXX, Loan Manager, who told me a check had been mailed out on XX/XX/XXXX and if I have not received it then I need to wait for them to find out what happened to that check before they write a third check. Once again I confirmed my mailing address and asked them to send it via registered mail. 

I also sent a registered mail complaint to the CFO of MarletteFunding/Best Egg, asking for a resolution to this problem on XX/XX/19 and I have not heard a thing from either him or a Best Egg representative. 
So my money is being held hostage and nobody seems to have a straight explanation or time span it will take to address this problem.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I XXXX from XXXX school XX/XX/XXXX. Nelnet started billing me one month later before the pause on student loans was even lifted. I filed for IDR but they still reported my account as 90 days past due on XXXX. I disputed it but they have not taken it off my credit report. It is my understand that student loans have a grace period after graduation before repayment begins. It is also my understanding that the law passed by the federal government was supposed to protect borrowers from having their accounts reported until XXXX of XXXX. I would like the 90 days past due to be removed from my credit report. According to emails I received in XXXX of XXXX the loans still should have been on pause but I was receiving bills as early as XX/XX/XXXX
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

My complaint is against : Vanilla Visa Gift Card ( Incomm ) XXXX XXXX XXXX, # XXXX XXXX, GA XXXX XXXX ; XXXX ; fax XXXX XXXX On XX/XX/XXXX, my daughter purchased online a {$500.00} Vanilla Visa card as a gift to me and my husband. She received a confirming email ( att 'd ) with an image of Card No. 
XXXX XXXX XXXX XXXX showing an " available balance '' of " {$500.00} '' ( att 'd ). This was a digital card -- no physical card was ever received. 

On XX/XX/XXXX I attempted to use the card for the first time to purchase a $ XXXX train ticket, and the card was declined as insufficient. I immediately called Vanilla at XXXX and was informed there were XXXX prior charges commencing XX/XX/XXXX through XX/XX/XXXX that totaled {$370.00}, leaving a balance of {$120.00}. I disputed the charges and was told I needed to file a formal dispute. Vanilla emailed me the form, which I completed and submitted to XXXX on XX/XX/XXXX ( att 'd ). Further, Vanilla put a " hold '' on the {$120.00} balance -- meaning I could not use the card for that amount. 

On XX/XX/XXXX I followed up with Vanilla and was told it needed 45-90 days to investigate. I requested that in the interim they send me a check for {$120.00} -- the balance on the card. I was told they could only do that if I closed my dispute. So, not only have they ripped me off for a {$370.00} they also refuse to send me the balance! 

On XX/XX/XXXX I again followed up with Vanilla and was to it was still " under investigation. '' I asked if they contacted any of the vendors, and Vanilla refused to give me any information and said it takes 90 days! 

Vanilla is obviously running a scam -- it is all over social media ( att 'd ). I only had a digital card, so this is not a case of data being scanned from a store shelf. Vanilla is either running a scam or has an internal problem -- either way, it is well aware of the problem and has done nothing about it. 

Further, I believe XXXX XXXX XXXX XXXX, is aware of the issue and has sat by idly while hard-working people are being ripped off and they are benefiting from fraudulent charges! 

I want my {$500.00}!
Consumer complaint received 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (GA)

The accounts and inquiries listed below are fraudulent and being reported illegally XXXX XXXX Bank {$880.00} Acct # XXXX XXXX XXXX XXXX {$1200.00} Acct # XXXX XXXX XXXX XXXX {$200.00} Acct # XXXX XXXX XXXX {$710.00} Acct # XXXX INQUIRIES XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020