davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

I sent a check to pay my escrow shortage in full, it wasn't received. My bank is aware & will stop payment if it comes through. On XX/XX/XXXX I called & spoke with XXXX at Specialized Loan Services, my mortgage company. I paid my escrow shortage {$330.00}. I had been told previously my payment was still going up, from {$760.00} to {$790.00} even after paying the escrow shortage. My monthly bills kept showing {$820.00}, as if escrow was never paid. I called XXXX XXXX and was told escrow showed as paid, the system just wasn't updated but would be. The regular payment should be {$780.00}.?? I paid what I did last time. XXXX bill arrived, same problem.. XXXX bill arrived and I called on XX/XX/XXXX. I spoke with XXXX. She was very nice & as confused as I was. Escrow HAS been paid!! She transferred me to the escrow dept & I spoke with XXXX.This is when she told me that when they took over my loan in XXXX there was a {$28.00} escrow shortage! it had gone up to over {$50.00} ... I GOT VERY UPSET!! this is the first I'm hearing of it.. From almost 3 years ago!!?? I pay my escrow shortages in full every year!! What the XXXX happened?? I said I was not going to pay for something that happened years ago & I was never informed about.. She said I would get a letter of explanation.. I HAVE RECEIVED NO LETTER ... on my mortgage statements.. 
XX/XX/XXXX uncollected escrow {$28.00} XX/XX/XXXX uncollected escrow {$56.00} XX/XX/XXXX uncollected escrow {$50.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$39.00} I want an explanation why I'm paying for escrow from XXXX How did it go from {$28.00} to {$56.00}??? and what exactly is my real house payment suppose to be??
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, I reached out to Experian to dispute inquiries on my credit report as there are XXXX that I did not recognize nor did I authorize. I was sent to the fraud department where I was answered by a representative named XXXX. I began to tell XXXX about these inquiries that I did not recognize them and that I did not authorize them, and XXXX proceeded to check into the first inquiry - XXXX XXXX  who ran my credit twice on or around XX/XX/XXXX. I proceeded to inform XXXX that I did not know why this inquiry was on my credit and that I did not authorize it. XXXX told me that he could not do anything because it was possible that a dealer ran my credit with the purchase of my car. I informed XXXX that was not possible because when I purchased my car in ( XX/XX/XXXX ) I went in with a pre-approval from XXXX  XXXX and because I bought it from XXXX, there was no running of the credit as this was not allowed since I had financing. XXXX then stated it was hypothetically possible that the XXXX XXXX  allowed XXXX  and another XXXX companies to run my credit ( Although XXXX of the companies XXXX XXXX - ran my credit in XXXX, well before I bought a car ). I told XXXX this and he said he can't do anything because its likely related. I told him they are not related to my purchase and I did not authorize it and XXXX said he won't do anything to assist. 

I then asked XXXX about the remainder and he just said they are all " probably '' related, even though I keep stating that these were not authorized nor known and are not related to my capital XXXX account. 

I asked XXXX for his agent ID and he stated there is no employee number and he's only giving me his first name. I then asked for a supervisor and he told me XXXX wasn't available but they'd call me back within a day. I asked for the supervisors name he said he's not giving it out to me. 

XXXX pretty much told me that even if I didn't authorize it, that there's nothing he could do, even though he only presented it all as hypothetically possible. 

The inquiries : 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  I authorized.
Consumer complaint received 2020-02-06
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. (MA)

I have filed a dispute several time with the credit bureaus XXXX, experian and XXXX  to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all
Consumer complaint received 2020-02-06
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. (MA)

I have filed a dispute several time with the credit bureaus XXXX, XXXX  and transunion to investigate this account and it keeps coming back updated. I also sent certified dispute to the company for investigation and the mail continues to come back. this company should not be reporting on my file at all
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (PA)

My Husband & I sat through a Wyndam Vacation club presentation in the XXXX XXXX, SC area on XX/XX/2020, We declined the purchase, but said we may consider it in the future. We were asked for my Husband 's SS # and signatures for their files. We were told that they needed this for informational purposes only and they required it to give us our gift of XXXX free points for sitting through the presentation. We were told they would not check our credit or do anything with the information. We started getting alerts from XXXX the next day. We also were notified that we were both approved for a Wyndam VISA credit card in each of our names - with a credit limit of {$30000.00} each. When we arrived home after our vacation ( XX/XX/2020 ), we called and canceled both cards. We are still receiving correspondence as if the cards were still active and haven't received written notification that the accounts were closed. We did not give anyone permission to check our credit and/or apply for a credit card. It's my understanding that this may have a negative effect on our credit rating and would like to have it removed from our credit report. I can provide more info. and dates from our XXXX alerts if needed.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

On XX/XX/2020 and I made a phone call to Jefferson Capital systems and I contacted Them in attempts to resolve my past due you debt.I was told that there was an offer for {$420.00} I asked the representative if there was a lower offer and he said yes it is {$300.00} if you pay right now.I said OK fine are you able to email me something stating that this is my settlement offer he stated no I said will how do I know that this is an offer that would resolve my balance he said because I am telling you he then went on to threaten to hang up the phone and not help me I then asked if I could speak to a supervisor and the supervisor than advise me that no yes they can except that but theyre not able to give me any type of correspondence I understand what the companys policy is but as a consumer how do I make a payment when youre telling me that yes I can except this to resolve the debt but I cant give you anything stating that this will resolve the balance but in the past they were able to send me those correspondence so I felt that that practice was deceptive and it was unfair because its not the fact that Ive never received correspondence its the fact that today theyre not able to give me any type of letter stating that this would resolve my account so that makes me feel that they are being deceptive with the statement of allowing me to settle the account for {$300.00}
Consumer complaint received 2020-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

in XXXX I had a loss in the home- a check from my insurance company was issue to me and mortgagee. I sent check to mortgagee for them to release funds. since XX/XX/2019 I been trying for them to release funds. I pay already a contractor and still no money has been sent out. If is not one thing is another. I paid out of pocket thinking I was getting the funds right away now I am struggling to pay the home to avoid foreclosure. Loss draft dept has all documentation inspections and still no payment out. 
The property is 70 % fix and still no payment for them to issue.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: RateGenius Loan Services Inc (DC)

There was inquires from Rate Genius on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (TX)

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO SPRING OAKS CAPITAL. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT SPRING OAKS CAPITAL IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (GA)

I have no knowledge of this account, please provide me with the original instrument of debt with my signature on it to verified that this account belong to me in accordance with the FDCPA. And any contractual agreement that proof you have the right to collect this allege debt.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DE)

XXXX has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with XXXX which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX bank {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX.XXXX {$570.00} and XXXX/XXXX and XXXX XXXX {$330.00} these all resulted in fraud account due to XXXX data breach and i have disputed many times every year for the last few years and XXXX  has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

Experian should be closed down. I am at the end of my rope with them. I had some fraud through my bank and they recommended a freeze or fraud alert on my credit bureaus. I did this. In XX/XX/XXXX I was trying to trade my truck in for less expensive vehicle. Two different dealerships tried to help me get through to experian. The only options are to record fraud or order credit report. We tried for two months. I finally sent a  written request along with copy of my drivers license. Instead of someone calling to help I received a letter in mail about a month later telling me to send another request in writing and also include a copy of a bill. XX/XX/XXXX I applied for a card while at XXXX XXXX. Someone called and said they were from credit bureau and needed to ask me some questions to verify my identity. I received a card the next week. When I called to activate card I was told it had been cancelled by experian because it was reported as stolen and fraud. I was so furious. Not only did my credit get hit to open the account now it has a closed account. Closed against my wishes. Not one time did anyone contact me and ask if I opened this card. I am having trouble getting the card reissued. The only phone number anyone has for experian is XXXX. This number does nothing to help. I not only lost chance to trade in my vehicle for a more economical one, I had my card cancelled and am flagged with the creditor as fraudulent opening of credit card. I tried calling experian again this morning and recording said it could not help me at this time and hung up on me
Consumer complaint received 2022-08-17
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: Colony Brands, Inc. (AZ)

In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights 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 and purpose.
Consumer complaint received 2022-08-17
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. (IA)

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

15 U.S.C 1682 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnishings a account without my written instructions.
Consumer complaint received 2020-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Beneficial Mortgage Co. and XXXX  XXXX  XXXX. were subsidiaries of HSBC Finance Corporation and organized in the State of Delaware. It appears that Beneficial, HFC companies, and HSBC Credit Centers have closed their consumer finance businesses in the United States. In 2008 a lien was place on my home in the amount of XXXX. Home address XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX county. The loan was paid in full and the loan company closed due to being a predatory lender.
Consumer complaint received 2022-08-18
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XXXX, Saturday. I received a phone notification from Chase mobile app, that there is a transaction of {$50000.00} to an unknown payee from my checking account directly. I see the transaction is payed to a company called XXXX. I XXXX  online it seems like a finance platform such as XXXX. I have never created account or done purchases on XXXX. 

I believed my account is compromised and called Chase to file a fraud dispute claim immediately. I was instructed to create a new online Chase account. Then, I noticed there is an unauthorized template for wire transfer created from Chase mobile app. The template is created for " XXXX XXXX '' who I never know. 

I also noticed on device access history, there is an unrecognized and unauthorized access from " XXXX XXXX XXXX, chase.com '' since XXXX. I remembered there is an email say my Chase account is accessed from a new device on that date. But the email is quickly deleted and gone ( by the hacker ). 

On XXXX, Monday, I walked in to a local Chase branch and created a new checking + saving account. And transfered my remaining balance to the new accounts. 

Also on Monday, I recevied a text message from Chase, asking if it was me making a {$50000.00} transaction. I replied " NO '' as prompted, the system says Chase won't allow this transaction now. 

Currently, my account is showing a balance of this {$50000.00} deducted. And the fraud, {$50000.00} transaction is shown as status " Pending '' in my old account still.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC (DE)

Cascade Capital Funding , LLC incorrectly reported an account to my credit report. Also, they shared my personal information to third parties without my consent. 

Cascade Capital Funding , LLC shared my information with XXXX XXXX XXXX XXXX XXXX. When I tried to identify/investigate the account/account number that was provided by XXXX XXXX and was listed on my credit report - XXXX XXXX XXXX COULD NOT IDENTIFY/VERIFY NOR CONFIRM THE DEBT. Therefore, XXXX XXXX XXXX XXXX XXXX sent me a physical letter in the mail ( will be uploaded in this report/complaint ) in which stated that the account was closed and deleted. This was XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, there is an alert from XXXX saying that XXXX XXXX XXXX reported a debt collection account, which is the same account that XXXX XXXX XXXX said would be deleted and removed from my report. 

My consumer rights have been violated. This debt was not verified and was removed from my report and then added again. My information was sold/shared with a third-party without my consent. I did not receive notice of right to dispute. An investigation did not occur prior to this account being added to my credit report. And when I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX via telephone number XXXX, they informed me that they were now XXXX XXXX XXXX. Again - my personal information was shared with third-parties without my knowledge.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got the card in XXXX and have carried a balance much of the time, paying their usurious 24.74 % interest that I agreed to. ( {$320.00} in interest in XXXX alone ) On XX/XX/XXXX, when my balance was {$3000.00}, I made an electronic payment of the same amount, which should have brought my balance to XXXX. 

When I received my next statement on XX/XX/XXXX, it showed that I had paid the balance in full, but added an additional {$33.00} in interest. 

I called the company and asked them to retract this charge on the basis of customer goodwill and my tenure with them. They told me that they would not and there isnt anyone that I can talk to or write a letter to. They would not provide a name or phone for anyone, including the VP of customer service or the CEO. I WAS TOLD THERE IS NO ONE ELSE IN THE ENTIRE COMPANY THAT CAN TALK TO ME OR HELP ME. 

I understand capitalism and the desire of large corporations to make a fair return on their investments. However, when companies are this arrogant there is typically some other dynamic going on. 

Thank you
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have disputed an entry on my credit report with Trans Union concerning XXXX XXXX and the only response I receive is verified information so how is it verified information if the courts do not report to the ( XXXX XXXX XXXX XXXX Agencies in which I have included a letter stating that and XXXX  also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that EXPERIAN and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These public records are unknown to me and must be deleted from my file. 
XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ;
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.