davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
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. (CA)

I am writing in dispute to the payment history reported from XX/XX/XXXX through XX/XX/XXXX. During XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid as agreed per a Trial  Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. Experian, XXXX, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make  the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/XXXX-XX/XX/XXXX showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX  representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Consumer complaint received 2022-12-01
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. (TX)

XXXX XXXX Account XXXX XXXX {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXX XXXX {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account XXXX XXXX. 
XXXX {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account XXXX XXXX XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXXXXXX XXXX Account XXXX XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account XXXX XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file
Consumer complaint received 2018-06-27
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. (CA)

I am writing in dispute to the payment history reported fromXX/XX/XXXX through XX/XX/XXXX. During XXXX XXXX XXXX XXXX, and XXXX XXXX. I paid as agreed per a Trial Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. XXXX, XXXX, and Transunion). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XX/XX/XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/2017 showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XX/XX/XXXX representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XX/XX/XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HANCOCK WHITNEY BANK (TX)

I am writing to file a formal complaint against Hancock Whitney Bank regarding a significant issue with my mortgage account. 

On XX/XX/2024, I received correspondence from Hancock Whitney Bank informing me of an impending increase of {$2000.00} to my mortgage payment starting XX/XX/XXXX, purportedly due to an escalation in the Escrow balance. Concerned about this sudden change, I initiated an investigation into the matter. 

Upon careful examination and subsequent communication with both the tax and XXXX  ( XXXX XXXX XXXX ) offices, I discovered that the only outstanding amounts due and subsequently paid were {$5900.00} for county taxes and {$1500.00} for MUD/utility charges. However, the Escrow Account Disclosure Statement provided by Hancock Whitney Bank indicates an additional {$3900.00}, for which I have diligently sought clarification from the bank. 

Despite my repeated attempts to address this issue, including numerous phone calls to Hancock Whitney Bank at XXXX and the submission of at least four emails, I have encountered a distressing lack of resolution and follow-up. Each time I engage with the bank, I am met with frustration as no notes are taken regarding my inquiries, leading to an endless cycle of repetition. Furthermore, I have been informed that my emails will not receive responses, and I am left with no choice but to wait several days between calls in pursuit of a resolution. 

It has now been a month since I first raised this concern, and the lack of progress is deeply concerning. I am beginning to suspect fraudulent activity on the part of Hancock Whitney Bank, as the discrepancy in the Escrow balance remains unexplained despite my persistent efforts to seek clarification. 

This experience has been incredibly frustrating and disappointing. I have never encountered such a level of incompetence and disregard for customer concerns from a mortgage company. 

I am formally requesting that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. Additionally, I urge you to hold Hancock Whitney Bank accountable for their failure to address and resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-27
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. (NC)

On XX/XX/XXXX i upgraded my Equifax membership after i received notification and a confirmation number that the previous disputes about addresses that did not belong to me were all removed.

On XX/XX/XXXX i attempted to dispute inaccurate information on my report when i noticed the same addresses that were disputed and removed reappeared along with an unauthorized hard inquiry that was also dispute. 

On XX/XX/XXXX at approximately XXXX XXXX, i called Equifax about those addressing and an unauthorized hard inquiry being reinserted back on my credit report less then a month after their removal. 

I spoke with several different employees that continued to bounce me around to about 4 different employee telling me its nothing they can do, from caller to caller until i final ask for a supervisor, she told me her name was XXXX I explained the situation but she was unhelpful, i ask her why were those addresses reinserted or not removed from my report, i provided her the confirmation number for that removal. 

Supervisor XXXX said the addresses were my previous addresses i told her those addresses do not belong to me. Then she ask me if the address were fraud, i told her i do not know, because they are not mine, then she ask if i thought it could be someone with a similar name as mine, i told her i dont know, i want them removed. 

Supervisor XXXX said she cant remove the addresses because its tied to a creditor, i ask her for the creditors information she said she cant give out that information, i repeatedly asked her who is the one reporting these addresses, who is the creditor, she said she cant give out the information ... so i told her i believe is a computer glitch by Equifax. 

Supervisor XXXX said its not a glitch, i then asked how can you report addresses on my report and not provide me with the creditor who is reporting them. Supervisor XXXX kept repeating over and over i cant give you the names of the creditor. Between me getting bounced from employee to employee the call lasted about 1 hour and 34 mins.

I wanted to add i was told by 3 different employees and Supervisor XXXX that i can not dispute a hard inquiry with Equifax even through Equifax provides a dispute page for hard inquires. I was told i need to wait 2 years even if the hard inquiry is not authorized. 

After a frustration long call i ask to speak with her supervisor, but she said its her manager. I was left on hold for 17 mins and no one ever returned, just left me on hold.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (GA)

PayPal created an account for me without my authorization or consent and maintained my credit card information as part of that unauthorized account. I repeatedly asked them to delete the account, which they repeatedly failed to do until today. I understand from a PayPal representative that a vendor has ( had ) the capability of creating a PayPal account for a patron of that vendor 's service without the express permission of the patron to open, maintain or keep financial information of that patron. This seems wrong to me for many reasons, not the least of which is that they are counting me among their rolls and housing my private personal and financial information without my permission.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have noticed that XXXX XXXX  have placed an inquiry on my TRANSUNION credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX  and TRANSUNION to verify these inquiries. They have yet to do so.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (OH)

I have a line of credit with Macy 's and pay my bill online through Macy 's website. For the last XXXX payments, their website confirmed my payment was made and accepted. Time passes and I am notified by Macy 's that I never made my payment. Just like all prior payments, exactly the same way with no issues until within the last few months, this started happening. I would have had no idea I never made my payment. What happened after that is the XXXX big issue. They immediately reported me to the credit bureaus, reduced my credit limit and started calling me treating as though I was a criminal. I contacted them after the first time and said I made my payment your website accepted it and somehow it just disappears? They ultimately reversed the late charge, and increased my credit limit. Here I am again, make the payment online and they then contact me again, calling me, said I never made my payment, tacked on another late fee, reported me to the Credit bureau, reduced my credit limit again. I called them again, gave them the payment information and told them your website is accepting payments, confirming and then they disappear, there is a very bad problem with your website. I made my payment over the phone and they back out the late payment again. Subsequent to the last contact, within a matter of 10 days, they added another late fee ( and no payment was due ). I contacted them and have proof of my balance, I then paid off the account over the phone with the rep. and requested a zero balance letter, and confirmation. They took the money out of my draft account and now are billing again after paying off my balance. They have caused harm to my credit report XXXX times times when I actually made these payments, they continue to add fee 's that are not warranted. They accepted payment for the full balance on account and generated another bill with a balance after it was paid off, they need to be investigated.
Consumer complaint received 2019-10-16
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: Bread Financial Holdings, Inc. (NV)

I currently have a 30 day delinquency reporting on XXXX  for XX/XX/2018 and on XXXX for XX/XX/2018. I have never been late on payments on this account. I attempted to rectify this with the bank numerous times but they fail to provide billing statements reflecting late payments. I also typically reach out to the bank to confirm payments to ensure no payments are due and each and every time I advised all payments are up to date. Specifically I called during the XXXX, XXXX and XXXX of 2018 due dates and I was told by the representative no payments were due as all payments were met. The 30 day delinquency reporting on my credit profile is incorrect as I have never missed multiple payments for consecutive months on any of my credit cards. Also the reporting against all 3 bureaus are incorrect as two bureaus state I was 30 delinquent in XX/XX/2018 and one states I was delinquent XX/XX/2018. 

This bank has tarnished my credit tremendously with the reporting of this incorrect 30 day delinquency. I am looking to receive help with this or look to take legal action as this reporting is a form of unfair treatment due to the incorrect reporting.
Consumer complaint received 2015-11-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC (FL)

So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.
Consumer complaint received 2018-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I closed on my house back in XXXX of XXXX. In early XXXX our note was sold to a new mortgage company, named XXXXXXXX XXXX XXXXXXXX. I bought my home for {$150000.00}, with a down payment for {$4200.00}. I financed {$140000.00} for XXXX years at {$1000.00} per month. When XXXX took over my loan they first raised my monthly payment to {$1100.00}. I was told this was due in part to my homeowners insurance going up. I was told I that I only had to pay this for XXXX months and then my payment would return to normal. When the XXXX months came and went, I was then told that this was my new payment. In XXXX XXXX we received considerable damage from hurricane XXXX. I had made arrangements with XXXX for me to do all the repairs. I am a licensed XXXX XXXX and own my own construction company at the time. In XXXX of XXXX XXXX called me and talked to me about putting me in a new program they had, to help people with problems from hurricane XXXX. This program, as explained by XXXX is to help me by not charging and fees or penalties and have no affect on my credit. In XXXX of XXXX XXXX raised my payment to {$1900.00}. XXXX I was told it was because of my property taxes had gone up. I went to XXXX XXXX court house. I found out that my property taxes had not gone up. I brought this to XXXX. I talked to so many different people there. none of them were willing to truly help me. Then in XXXX of XXXX, I was told by XXXX that the real reason they raised my payment was that, the original company who created my loan, had made some major mistakes. That this will be my payment til the end. I did my research and was told by XXXX, XXXX XXXX and a company who specializes in checking the paperwork from the mortgage companies. That there was no mistakes made. Not when you have all of these protocols in place. XXXX refuses to help me. even when I do get someone there who tells me they will look into the matter for me, plus call me back. They never do. Now they tell me I am XXXX  months behind, which is not true at all. I was told of their Loan Modification, which states I now owe more than when I purchased the house. I am a XXXX XXXX, XXXX because of an XXXX I had to XXXX early from contracting. I am on a fixed income. I can not pay their payment. I am also a XXXX father of a XXXX son. I will lose my home to a foreclosure. I need someone to help me.
Consumer complaint received 2017-07-25
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. (IA)

I had Equifax investigate a dispute twice wit h   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . whose acc ount number for the account in question is  XXXX . I disputed this account because I have had no relationship with them and the information they were providing Equifax showed I made a payment to them o n  XX/XX/XXXX  which   coincidently shows that date as the last date that Equifax reported it updated. It was only updated when I requested the disputes. It came back verified as accurate both times even though I have proof that this account had erroneous information being reported by Equifax. Equifax told me to contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  to validate information. I s ent  XX/XX/XXXX  a request for  validation and proof of payment with proof of receipt on   XX/XX/XXXX  . I have not received anything from    XXXX   XXXX   XXXX   XXXX     regarding the validation of the above account. I called back to Equifax and they said there was n't anything else they could do.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (IL)

On XX/XX/XXXX I received an alert via my credit monitoring that my credit score dropped XXXX points. After looking at my credit report, I see that there is a negative account named Monterey Collection services that was reported to XXXX as a " charge off '' on XX/XX/XXXX in the amount of {$2500.00}. I at no time received any mail correspondence indicating that this account was in collections. After calling Monterey and speaking with XXXX XXXX XXXX on Monday, XX/XX/XXXX, she is telling me that they did send mail correspondence along with emails regarding this account. After looking through my email inbox and junk inbox, I did find ONE email that was in my junk folder dated XX/XX/XXXX stating that the above amount is due and that " you are hereby notified that a negative credit report reflecting on your credit record MAY be submitted to a credit reporting agency if you fail to fulfill the terms of your contractual obligations. '' So, I received notification that the account MAY be reported to the credit reporting agency 17 days AFTER it had already been reported to XXXX! I was not given the opportunity to rectify the debt on my own before they reported it to transunion which negatively affected my credit report. After speaking with XXXX XXXX on Monday, XX/XX/XXXX, and asking to have the negative account removed on the condition I set up a payment plan with them, she responded that it will stay on the report until it is paid in full. After requesting a breakdown of balance owed and fees, I am disgusted by the almost {$1000.00} extra added on to the original balance in " fees '' ... as I have a requested email with the breakdown from XXXX XXXX, stating the original balance : {$1500.00} ; 35 % collection fee : {$550.00} ; Late charge : {$380.00} ; XXXX 10 % : {$39.00} ( AS OF XX/XX/XXXX ). So, essentially, I have to pay them a disgusting amount in extra feed AFTER they already tarnished my credit report, without giving me the opportunity to rectify the debt beforehand.