davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MN)

On XX/XX/XXXX Closed on a 15year conventional mortgage with Sun West Mortgage Co XXXX ID XXXX Loan Amount : $ XXXX 3.125 % over 15 years At closing Sun West collect prepaid interest to XX/XX/XXXX My 1st monthly payment was not due until XX/XX/XXXX On XX/XX/XXXX I made a payment to Sun West for {$1500.00} I called Sun West and asked them to apply this 1-time extra payment directly to principal owing. as I had no interest owning at the time.and my first monthly payment was not due until XX/XX/XXXX. 

I recently got my statement and Sun West did not apply the entire XX/XX/XXXX payment to principal. They took {$560.00} from the XX/XX/XXXX payment as interest and only applied {$940.00} toward principal. This is unfair as {$560.00} in interest was not due for another month ( not until XXXX ). 
I contacted Sun West about this and they refused to fix the issue on XX/XX/XXXX I made a payment to Sun West for {$1500.00} This is to cover my monthly payment starting XX/XX/XXXX Again Sun West took {$560.00} in interest ( not due until XXXX ) for the entire month of XXXX I sent Sun West an email about this. 

Note Terms : All payments accepted and applied by lender shall be applied in the following order of priority : a ) Interest due under the Note b ) Principal due under the Note c ) Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due and then to reduce the principal balance of the Note.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OK)

I ran my free credit report today. It shows credit card, CBNA, with revolving terms, opened XXXX XXXX, 2016. I DID not authorize and suspect attempted ID theft. How do I get rid of this and prevent this from happening again?
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bepensa Capital, Inc. (AL)

Around XXXX I went to XXXX XXXX auto sales and the car I was financing never really worked it was in the shop from the XXXX day I had it until he went and got it from the shop. Which was about XXXX days down the line. By the XXXX day I had told him I didnt want to finance a vehicle that I have never drove. So about XXXX weeks ago I went to try and finance a car from another company and they told me that it was showing on XXXX that I was still paying on an auto loan for XXXX dollars a month and thats not accurate. It was erased from my experian report but its still on my XXXX report so therefore it is hindering me from getting a vehicle. So I went up to XXXX XXXX office the same day about XXXX weeks ago to inquire about the situation and he told me that nothing should be showing up on me bc he bought the vehicle from the finance company so then he gives me a number to dial and from XXXX weeks ago til today I am still not able to get with anyone about the account. They keep hanging up on me when I do call and Im not getting anywhere with this
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I have been unable to enroll in any kind of payment plan that lowers my student loan payments in any way. I have been filling out applications online and though the mail for over 6 months only to be denied each time on the base of missing information ... .incomplete information ... .leaving things blank ... keying in answers wrong ... .its always something. And I know that each and ever time I have filed the paper work correctly. I am being put into forbearance causing my intreast rates to soar though the roof. I have asked and begged for help with no respons from company. I have been given bad and incorrect information regarding my loans.I am also being harrased 7 days a week at all hours of the night and day to repay loans that were included in our bankruptcy. I have also applied for a case in the closed school causing me a worthless degree but each time they say if not filed that application corecctly either I am in need of answers and help!
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (GA)

A thick envelope was sent to my residence from Netspend. The envelope had my residences address on it but was addressed to an unknown person. With identity theft on the rise, I assumed that some unknown person was using my address for fraudulent purposes. So, I contacted Netspend to inquire about the envelope sent to my home. After explaining to the customer service rep about the situation, I was asked for an account number. So I then explained that the envelope was addressed to an unknown person but had my address on it and that I did not own a Netspend card or account. The rep advised that it was just an advertising scheme that they use for marketing purposes. I advised the rep that I no longer wished to receive any advertising from Netspend and to take my address from their mailing list. Also, that if I received anything from them thereafter that I would pursue legal options. The rep asked for my address and put me on hold. After returning to the line, he asked me for the card number and account number that was enclosed in the envelope. I told the rep that the envelope was not addressed to me and I was not entitled to open it as it is a federal crime to open mail that doesnt belong to you. He stated that he could not take me from their mailing list if I did not open the envelope and give him the account number. After refusing to open the mail, he disconnected the line.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

We have opened a missing XX/XX/2021 payment investigation with XXXX XXXX XXXX that is still outstanding and not resolved despite it now being XXXX and having provided all the information requested. Previous cases just keep getting closed without notice and we have to reopend them only to find out they needed something else and we have then always complied. Also despite the investigation, we keep getting calls daily for late payment and even after telling the callers to stop calling as we have an ongoing investigation and they agreeing to do so, they keep calling for late payment almost daily. 

Our bank has provided them a copy of the check that was sent and cashed. The latest excuse was full banking statement was not provided so when I went to do so for all the months they requested, I found a sent email where I did previously sent them a full banking statement for XXXX. 

I feel the case keeps getting closed and we have to reopen it and nothing is getting done. I also feel the company continuing to call us despite this investigation for late payment is wrong.
Consumer complaint received 2023-01-27
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. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NY)

My name is XXXX XXXX Today I received a Notice of Garnishment from XXXX XXXX XXXX # XXXX City of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , NY XXXX. 
For a judgement of {$6700.00} plus interest and fees for a total of {$11000.00} The judgment creditor is Cach, LLC.no address or telephone #. 
Also on this letter is a Company call XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX # XXXX, ext XXXX On this letter they are saying that a garnishment has been filed against my paycheck. 
This is a big scam by Cach , LLC. 
XXXX XXXX XXXX XXXX and by the New York XXXX XXXX XXXX.
Consumer complaint received 2019-10-08
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. (AR)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Re : Investigation Confirmation # :XXXX To Experian Dispute Department To whom this may concern, I recently received your investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation. 


DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$5700.00} because they are reporting the same account number for both accounts. XXXX {$11000.00} '' DELETE U.S. DEPARTMENT OF EDUCATION XXXX {$11000.00} '' because they are reporting the same account number for both accounts. XXXX {$5700.00}. 



XXXX Vs Experian. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Experian just can't use the XXXX XXXX because its not considered reasonable. Experian can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No! 

Additionally, this account is inaccurate it is a Closed Account. Charge-Off that is not reporting Soled Or Transferred. Delete This Account. 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!
Consumer complaint received 2019-05-25
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. (MI)

I have repeatedly asked EQUIFAX to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They are breaking all FCRA laws and I need your help to get this bankruptcy remove and all accounts included in bankruptcy. 
Thank you.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

They continue to report inaccurate information BECAUSE unless the consumer opens a dispute or notifies them of that incorrect information they do NOT receive updates from the lenders in a real time environment - only negatives. The XXXX credit score is a  minimum of ten points lower AFTER paying down debt and submitting numerous complaints. This has severely impacted our financial ability to obtain mortgage and other finance and if we do at adverse terms to us. I have included a document as an example. 

You and they continue to NOT answer my question concerning Off Shore processing and handling of information which I believe contributes to this incorrect information being assimilated to lenders we inquire of. By their own admission verbally and written the correct information might take months to reach them. Hence their calculations concerning FICA or Credit scores are erroneous end in some cases eliminate us from consideration from better financing immediately. 

Also- key is we have no recourse to prohibit those who " INQUIRE '' hence lowering our scores and their so called " security freeze '' and by their own admission is worthless! They CAN NOT STOP these inquiries. In our opinion - another built in fraud from people we never gave permission to review our report to. We and other consumers have no method to remove them!!! In the case of shopping they totally avoid the permission to shop. Scores dive immediately. Yes, this is similar for those in the CFPB who review these reports BECAUSE you do nothing about correcting or assisting we the consumer and citizen- that Is fact BY YOUR OWN WORDS! Basically go get yourself a lawyer. For what? No sane lawyer would take the issue on a Pro Bono basis as you know and totally cost prohibitive for the average person.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

This is regarding a Citi Bank credit card. I do my banking online. When i noticed a slight increase in my interest changes on my latest statement, I looked at my online statements and noticed an increase in my standard interest rate from 15.24 % to 29.99 %. I have promotional rates on my account that remained unchanged. I reviewed all of my statements leading up to the increase and saw no notification of a rate change. Citi said it changed on XX/XX/2019. They say that 29.99 % is a penalty rate. The account has never been paid late, nor gone over the limit.
Consumer complaint received 2019-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts created under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to XXXX US Code section 1681-C-2A consumer reporting agencies about block the reporting of any information in the file of a consumer that the consumer identifies is information that resulted from alleged identity theft. Also, 15 US code 1681 section 604A Section 2 states a consumer reporting you see can not furnish an account without my written instructions. The listed accounts here never should have received any instructions or consent for me to report anything on my consumer report. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file immediately. UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

On Saturday, XX/XX/2022, I was contacted via phone by a person who claimed he was representing US Bank & the phone number he called from was the true US Bank phone number. He indicated that there were ( XXXX ) charges scheduled to be taken out of my account within the next XXXX minutes and that if I wanted to stop them, I must act quickly. The payments ( {$900.00} ) + ( {$900.00} ) + ( {$700.00} ) were all shown as pending as XXXX money transfers. I do not use XXXX nor do I do this kind of money transaction... ever. 

He tricked me by saying that I need to transfer the funds back to my account using XXXX and assisted me in setting up how to use a XXXX account and walked me through the transfer process. He gave me an email address and phone number to transfer the funds to and I questioned this but he repeated that he was a US Bank representative and to check the phone number he was calling from ( XXXX ) - this is indeed the US Bank main phone number so I was inclined to trust him. 

He prompted me to enter my name, then an email address and a phone number. 
The email address he used was XXXX. 
The phone number he used was XXXX. 
Again I questioned this but was reassured that this was how to stop the money transfer. 

The next day ( XX/XX/2022 ) the funds from my account were gone and I realized that I had been scammed. I called US Bank at the same phone number but this time, talked to actual representatives of the bank. They confirmed that my funds were transferred and connected me with the fraud department. They are in the process of investigating this and I wish them well. It was not their fault I was scammed but I believed the scammer because he was using the US Bank phone number. 

I am elderly and this scam hurt me bad financially, but I have no one to blame but the scammer for doing this to me. I've filed a police report and will pray for the best.
Consumer complaint received 2019-10-08
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: EQUIFAX, INC. (DC)

On XX/XX/19, I requested a free credit report using XXXX from all three nationwide credit reporting companies. I was unable to obtain a credit report from Equifax, but I was able to obtain a credit report from XXXX and XXXX. When the site attempted to retrieve the report electronically from Equifax, I received the following error message : " This site can't be reached. '' When I tried a second time, the site told me I had already obtained my free credit report - when I had only received an error message - and was therefore not eligible to receive it. I then submitted a complaint through the " contact us '' feature of this website, which is the only way I can see to communicate with the managers of this website. I have not received a response. According to internet sources, this website is managed by XXXX XXXX XXXX, a joint venture of three credit reporting companies. These companies are violating their obligations under the Fair and Accurate Credit Transactions Act, because the site is unresponsive to complaints when consumers encounter errors using the website.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Good afternoon, I was reaching out in hopes that you might be able to assist me. I have recently received notification that a new collection item was added to my Credit Report. XXXX of 2023 not by anyone reaching out to me or sending me any information but by an XXXX credit alert. Upon looking into it, it said XXXX was the original company. I have not had XXXX since I was about XXXX I am now XXXX so I was unsure of where it came from. I have called XXXX and filed a fraud claim to which they responded it was correct and not fraudulent. I was not satisfied with that because I have not gone into collections for XXXX so I started investigating and found that multiple people were going through the same issue as I was. And that is why Im reaching out today in hopes of some assistance as this is really affecting my credit score. Thank you and have a nice day. The amount reported was XXXX and I havent purchased anything from XXXX at all and especially not for that amount. Have reached out to XXXX and they can not provide me any information just keep referring me back to Jefferson capital which is the collection agency. They want to settle with me for {$900.00} but I dont want to pay for a debt thats not mine. But this really is affecting my credit score. So please help me out.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

Ocwen Loan Servicing acquired my loan from another lender and the amount they claimed I owed was incorrect. I contacted them on numerous occasions to get this matter corrected but they insisted that their numbers were correct and proceeded to foreclose on my property. I filed complaints against them in court and they wrongfully foreclosed on the property in 2016. I am still living in the property due to court filings. I hired a legal consultant " XXXX XXXX XXXX XXXX '' in XXXX Ga to assist me with purchasing my property back from the Ocwen, but the attorneys for Ocwen refused to submit my offer to the bank, because they want to drag it out in court -- in a effort to get more legal fees. 

Additionally, I offered the full market value for the property along with a purchase contract and pre-approval letter. I am asking for assistance from your agency because I am being discriminated against and they are trying to take my home, that rightfully belongs to me. Ocwen has a checked past when it comes to wrongful foreclosures, after they acquire it from other lenders. Please see attached letter.