davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (AZ)

In XX/XX/2017, our second loan was sold from XXXX XXXX  to Statebridge Company. When Statebridge took over our loan, I had called to setup ACH transfers to pay our monthly fee. They shared I had ACH transfers set up, for XX/XX/XXXX they told me that I was setup with ACH and I would be all set. I double checked when I did not see the payment come out, and called back. It was then shared that I did not have ACH transfer set up, so I made a one time payment and they shared that ACH would then be set up for my next payment. In XX/XX/XXXX I had an ACH payment taken out. But in XX/XX/XXXX did not. Again Statebridge then claims I did not have ACH payments set up. They are very unorganized and every time I have to call back they have no explanation. This company should not be allowed to have my second mortgage, I hope each month that this gets sold to another company. Statebridge is not operating in an efficient manner and I fear there are other customers out there that run into the same issues.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

. I have been back and forth with the bankruptcy department to look into these matters on numerous occasions and it seems like things are still not fixed. In XX/XX/2019 I received a statement showing my escrow account was negative and my payment was going to increase to {$1800.00}. I contacted this department and after 2 weeks, making a CFPB complaint and making several attempts to correct the issued, it was resolved and discovered there was an error on my escrow alaysis so an off cycle was requested. My monthly mortgage payment was fixed and back to {$1300.00}. I have now been sending in {$1300.00} as accepted through two representatives with that amount. Below is a statement from LakeView who sent me showing my payment due date, amount past due and current charges on the loan and showing the date these withdraws have been completed. I should only be showing due for XX/XX/XXXX payment due in the amount of {$1300.00} plus late charges and fees. I have spoken with two representatives who were extremely rude, and talked down to me and refused to walk me through what they were saying. They stated its not their job to walk me through anything and the account is behind. One rep actually argued with me the entire time on the phone. One by the name of XXXX who actually was the one who incorrectly escrowed my account and refused to look into it then it the same one REFUSING to look at my payment history. I have been placed on  hold and basically shown that I dont matter as a consumer and that there is no care in the world. Ive asked to speak with managers multiple times and they stated they didnt know when they could talk and that they had things they were doing and would get back to me whenever they felt like it. I am now requesting this in writing as what was mentioned that I need a pay history, and updated explanation on why its showing Im due for XXXX and why my payments are not being applied to my mortgage corrected if this is my statement received. Please look at the documents below proving Ive made my payments and the dates they were made and this statement. My bankruptcy cases is going to be discharged and I need this corrected so I can reaffirm my mortgage. This servicer refuses to work with customers in bankruptcy and has NO indication of my payment amount that theyve been accepting. Now that I want to reaffirm my mortgage they all of a sudden say Im three months passed due, even though the statement is showing otherwise. This servicer should not be allowed to be working with loans. After hours on hold, being talked down to and mislead nothing has been resolved.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still many accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom mortgage states to have not received the remaining documents they've requested. I've faxed them and emailed all of the documents requested everyday in the past week. 

Im also being advised I have a sale date set on XX/XX/. However, when I look at the XXXX County CAD website, the auction appears to be on XXXX. 

Freedom mortgage stated my auction is on XX/XX/XXXX. I do not understand how a legal county website is reflecting incorrect information, or if I am being advised of incorrect information. 

I have proof of documents being emailed and proof of documents sent via email yet they have no information on the remaining items sent, in which they requested.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Ms XXXX WILL NOT CEASE AND DESIST DEFAMATION. see attatched proof the XXXX XXXX {$120.00} XX/XX/XXXX IS SEPARATE FROM {$470.00} XXXX XXXX credited XX/XX/XXXX. Leaving bal {$470.00} LOOK AT STATEMENT AND STOP TELLING THIS LIE OVER AND OVER AND OVER.see NO USAA CREDITS All credits are from merchants. There are NO USAA credits at beginning of investigation as USAA claims TO REVERSE THEM XX/XX/XXXX XXXX see see Fraud Letter XX/XX/XXXX. It says temp credits WERE MADE PERMANET Looking at XXXX XXXX statement THERE ARE NO TEMP CREDITS OR PERM CREDITS. see attatched Fraud Letter XX/XX/XXXX EXPLAINING WHY A CREDIT REVERSAL XXXX XXXX {$120.00} stateing the credits deposited at beginning investigation have been reversed. THERE ARE NONE This was NEVER REPORTED FRAUD. This appeared as a New Purchase XX/XX/XXXX a second time. I DO NOT AUTHIRIZE CREDIT REVERSAL as there are none TO REVERSE. More PROOF XXXX XXXX WAS NOT REPORTED FRAUD XX/XX/XXXX. see attatched XX/XX/XXXX ADJUSTMENT PURCHASE TEMP CREDIT TO START A FRAUD INVESTIGATION Kindly note THERE ARE NO BEGINNING FRAUD INVESTIGATIONS XX/XX/XXXX. USAA MS XXXX CEASE WITH THIS LIE AND admit credits were not applied properly. There are NO USAA CREDITS BEGINNING INVESTIGATION XX/XX/XXXX but THERE ARE BEGINNING INVESTIGATION CREDITS {$120.00} XX/XX/XXXX WHEN YOU REVERSED CREDIT NOT GIVEN. STOP WITH DEFAMATION I HAVE TRUTH PROOF.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (IL)

In early XX/XX/XXXX the account was removed my credit report and then re-added a couple of weeks later. 
My understanding is that this is a process known as " re-aging '' and is illegal.
Consumer complaint received 2019-07-16
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (CA)

I am a XXXX alumni of class of XXXX, In spring of XXXX ( XX/XX/XXXX ) I was contacted via phone call by a financial aid administrator from UC XXXX to consolidate my student loans and initiated an Income Driven Repayment plan. In XX/XX/XXXX I receive a single letter and collection agency notice from a debt collector, Coast Professional Inc for an account from XXXX XXXX. Given that I had not received any calls or other notifications I quickly believed that it was a spam letter or scam. I called the agency and did not get my calls attended or my voicemails. 

I later received a call from the agency that the case had been dropped. However I received quite the scare that I could have been in a situation of defaulting on my loans and dealing with a collection agency. There should have been greater communication on behalf of XXXX XXXX on the course of action they planned to take prior to having the collect agency writing me a letter. Also as a recent college graduate I have no familiarity with my rights and the actions universities take with student loans. Two years  later I am a little more familiar with managing my student loans but feel a heavy distrust with my university and loan providers. No one should ever have to find themselves with a single threatening letter and the uncertainty if it is a scam or true practice.
Consumer complaint received 2020-07-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have advised Experian on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. Experian has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.
Consumer complaint received 2019-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Broke all laws regarding confidentiality agreement, One employee names XXXX XXXX.who lives in XXXX Texas, who is the cousin to Mrs. XXXX XXXX has started to monitoring and evaluation my mother 's account. Under State and Federal law this bank has failed to address our concerns. This one employee removed our power of ( POA ), ( XXXX, Texas ). Also have allowed other family members assets to my mother personal account with our my permission. I take care of my mother and I am very upset how this bank has handle her account. 
- monitoring, we need two forms of ID, Texas ID that help to open the account at the XXXX location was no good XX/XX/2019 -- -- -- - Who is monitoring the account XXXX XXXX refused to open the account then later changed his mine. 
We were told by one bank manager that if a person have the Social Security information of the party then the Bank will let anyone have XXXX to the account. 
We were told this at the Chase branch on XXXX XXXX in XXXX, Texas. 
We will be forced to close the account again due to the fact banking information is given daily on the account ending XXXX this is a new account but we have no power to control who gets infomation on this account. Any family member can get information if they have the social security number due to the fact all information is given out by one empoyee who has worked for the bank for years
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage is in charge to collect my monthly payments for my house, i just find out that on XXXX/2020 my regular payments went up {$87.00} cents. on XXXX XXXX/20 they received my regular payment of {$1600.00} so I was short {$87.00}, My Daughter was helping me out sending bill payments online due to my heath, i was XXXX XXXX XXXX  of XXXX for a few weeks and could not check my mail. when i start open all my mail i found an intimidation letter fro PHH MORTGAGE dated XXXX XXXX/20 stating that i was in default due to missing payments, i download from my Bank all payments send from the last 5 month, because of the {$87.00} short on XXXX they being reporting me missing payments and also trashing my credit for past 3 month or more.with the three credit bureau companies. PHH is using this kind of tactical intimidation for customer like me loosing the house, i check the history of this company having class action lawsuits for being a predator organization, charging hiding fees. etc i would like this company to be investigate.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED THAT A XXXXXXXX XXXX  WAS ADDED BACK ON MY REPORT AFTER BEING REMOVE FOR FRAUDULENT PURPOSES. 





In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

I get my payment taken out of my account automatically every month to avoid it being late I have never missed a payment in French 2021 ally bank returned my payment I called them deb 3rd to Ask why and to pay my bill so it didnt report past due or not paid on my credit they assured me my payment pasted and cleared and Eve would be fine I told them I could pay today so that nothing happeneds to my account she once again assured me that it was fine my acc was paid and up to Date I asked her to note in my acc what was going on she said all calls are recorded so if they need to go back and listen to the call they can well 2 weeks later XX/XX/XXXX my car note is reporting not paid! I tried to call and now they are giving me one week to Come up with the money and not going to fix the credit reporting factor! This is wrong and I am very upset that due to a system error on there side my credit will take a hard hit
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.
Consumer complaint received 2022-10-14
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of having to contact them to no use. Should there be any updates on my inquiries, i'm going to court.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ADIR INTERNATIONAL LLC (CA)

Curaao account. I have no knowledge about this account and never heard of them. It has tremendously affected my, credit file with now a closed acct statement. The website appear to be a vacation /travel agency acct. I have 18 potentially negative months being reported. Balance {$570.00},
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are not mine this information is incorrect and needs to be removed from my credit report.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Called Capital One in XXXX of 2019, to discuss my payment. I was informed by a representative to pay a certain amount amount. When I paid that amount. Its was not enough when informed by another representative. I was then reported 30 days late to the credit bureau. Capital One was very rude to me when I called them directly. They stated that they had listened to the recorded call but the representative contradicted herself when led me to believe that no one had listened to the call. Im currently unemployed and before XXXX, I contacted Capital One to discuss options for my payment. They had no good options for their customers other than waiving a monthly late fee.
Consumer complaint received 2020-02-26
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX-XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$1200.00} This account is Unverified Account, doesnt have creditors name or contact information this is inaccurate reporting and must be removed from my credit immediately. 




XXXX XXXX
Consumer complaint received 2016-05-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (MD)

There are several issues which i have documented. Firstly, the amount I was charged was incorrect. Second I tried to pay numerous times over the phone and could not. I was hung up on and the line was disconnected. Since then the rates and terms have changed monthly. I was offered a better rate and took it and was charged MORE. It took 6 months for anyone to respond or get back to me. I have had to file XXXX XXXX complaints in order to get a response. I was given credit for fees and then they were rescinded. I was told they have been applying my payments incorrectly and added MORE to my account. I have had it for two years and made my payments regularly ( when they would answer the phone or accept them. They wouldnt take mail checks ). I recently tried to call to pay again last month and was told that my account was being researched and she couldnt accept payment. Every month I receive an email statement and mail paper statement. They never match and the money amount owed is always different.I recenely recieved an email stating i owed more because they had made a mistake, it makes no sense. No one fixes things and the terms are not what I agreed to nor am I being contacted when they change. They are just adding illegal fees for their mistakes and lying when i call to ignore. I called the back who believes they are committing fraud and stopped them from taking monies from my account.