davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I have a 15 year balloon-type mortgage on our home to which I would like to send self-directed biweekly payments electronically in order to pay my mortgage down more quickly than monthly payments. On advice of my CPA, I have always paid my mortgages on a biweekly basis on advice of my CPA. The banks to which I paid never refused to apply my payments on a biweekly basis. 
Wells Fargo states they informed us not prior to the day of closing that they DO NOT apply to principle anything less than 1 month 's full payment amount. Had I known this, I would NOT have proceeded with the Wells Fargo mortgage application in the first place. 

On XX/XX/XXXX, I received information which I have enclosed about an automatic payment program which can be set up either weekly, biweekly, or monthly. The purported benefit is that they in turn apply that extra 1 month payment yearly to your principle in order to pay it down quickly. In the print it states that they do not apply anything less than 1 month 's payment amount. So then, what is the benefit than to the consumer if they simply withdraw your funds either weekly or biweekly only to hold it in some escrow account until 1 month 's payment amount is accumulated? It is trickery on their part to disguise this payment plan as true biweekly amortization. It is not at all. I initially signed up for the automatic payment program until I re-read their document stating this sham of a biweekly payment policy. 
I have asked them on multiple occasions over the phone and in person at their XXXX branch as to why they refuse to apply my funds every two weeks. Their response is that they are unable to. This is not likely true. I can send in a credit card payment to my credit card company any number of times a month and it is applied to the principle. 
I could not back out of this loan at the day of closing, when it was disclosed to us that they do not apply any payment less than the full payment amount to my principle. We certainly could not back out on the closing at that point without getting into a legal entanglement with the sellers. 
I have my closing papers which are 26 pages long but can not upload them here. I can mail a copy via USPS if requested.
Consumer complaint received 2018-10-26
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: Experian Information Solutions Inc. (CA)

I've disputed Experian for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (LA)

On XXXX XXXX I received a collection notice from my credit profile alerting that credit collection services was attempting to collect a debt in regards to doing business with XXXX XXXX XXXX company, in the amount of {$100.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; I have not signed any contracts with this company and have received no verification or validation that it was lawful to collect such a debt. The securities of the contract was provided with the CUSIP number when originally signed with the original company so this company is trying to steal a securities of such. 
NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My current student loan servicer is with XXXX and XXXX was my previous servicer. My student loan was transferred to XXXX from XXXX. However, XXXX is still reporting my balance that I have an open account with Experian. I have XXXX also reporting my balance to Experian too. My student debt balance is now reported as double on my credit report on Experian, one from XXXX and one from XXXX. XXXX XXXX refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of Experian report that XXXX justified that my student loan debt is still with them.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I set up payment plan with Portfolio Recovery Associates LLC in XX/XX/2019. When I spoke to someone at first they said that they report on your credit but on all my credit reports they were never listed. On XX/XX/XXXX I get notifications that a new line of credit was opened with a collection company. When I called they said I was looking at my credit report wrong and that paying the debt with them will actually help my credit when really it has hurt it drastically.
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

We have submitted numerous applications trying to save our home from foreclosure. 
The family has sent at least 20 applications giving all requested documents and hoping and praying each time that this is the time that we will get an approval. I have no idea why we have had to submit so many applications and strung along so many times believing that we were going to be helped we need our home for our small children to raise our family. 
Our combined income is {$100000.00} for 2018. We have saved money to pay our mortgage. We have been ready and willing to work with Rushmore Loan Management Services. For whatever reason they give us the run around for many years now. 
Please help us save our home.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account and information were hacked by several companies. Last year Back of America, my account was hacked, money was stolen and transferred out of my account and my information was changed. I called, my money was returned weeks later but obviously my information was stolen and damage done. 

With credit karma, same thing. My account was hacked and information changed and stolen. Nothing big was done. I just had to verify my identify to get access back to my own account. I did that. Damage done, information changed and stolen.
Consumer complaint received 2022-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Attached is a copy of a complaint sent to Dovenmuehle Mortgage Inc. At the time of this writing I have yet to receive any information/contact from the company in regards to this issue. The letter uploaded details my entire situation with relevant dates and time frames.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (WI)

Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

User Name : XXXX User name is no longer valid on the Experian website, tells me there is an error but this error seems to be ongoing 3 days later.
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Recently I bought a house and applied a loan from Freedom Mortgage Corporation. The loan application was handled by XXXX XXXX XXXX XXXX. 
Initially the closing date was set as XX/XX/2019. XXXX XXXX XXXX XXXX locked my rate for 3 days. This lock expired on XX/XX/2019. In other words, the lock covers three days, namely XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 
Later, due to the title company 's issue, the closing date was changed to XX/XX/2019. XXXX XXXX XXXX XXXX extended the lock from 3 days to 9 days. The new lock expired on XX/XX/2019. It  covers XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Obviously, there is a 3-day overlap between the length of the initial lock and that of the new lock. I was double charged for the 3-day overlap in the closing disclosure. 
However, XXXX XXXX XXXX XXXX only reimbursed me the cost of 2-day overlap. I argued with XXXX XXXX XXXX XXXX but I was rejected. I file this complaint to get my money back. It is the cost of one-day lock and is {$68.00}. 
Thank you!
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Accessed Equifax credit report and noticed error. Account on report I had never opened. I spoke to that bank and they had no record of me opening account. I filed a dispute on XX/XX/2019 and three days later XX/XX/2019, received an email stating that the dispute had been resolved and to access the results online and provided a link. I click the link and submit the required information and answer the follow up questions to verify my identity. A window pops up saying that my identity could not be verified and that I was to call their customer service number. I call and am told to submit a copy of my license and social security card, which they receive XX/XX/2019. I then receive a copy of my credit report and a new confirmation number for a credit report dispute submission in the mail. I call multiple times through the next few days to try to get access to my results as I am still unable to access the results online. On XX/XX/2019, I am told that the results will be mailed to me in 30 days. I feel like I am being stonewalled by the company for having filed the dispute as they constantly " require more information such as a license and social security card ''.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (GA)

The company closed our accounts including 1 checking and 2 savings and we are not sure of what they did with the XXXX, XXXX and over XXXX dollars that were in the accounts. 2 were minor childrens acts. 

In The second situation, the acct was overdrawn by XXXX dollars for 8 months even though, primarily because of more than 5 overdraft fees sometimes in a day! 

We had our Dept of Treasury direct deposit of XXXX going into the account monthly from XX/XX/XXXX through XX/XX/XXXX with no progress. The account remained in an overdrawn status with 3 transactions coming in less than {$50.00} over this 8 month period. 

The bank acted as though they Never received ANY monies for our account and therefore kept charging the account unlawful fees. We feel this was retaliatory because we complained to the bank manager in late XX/XX/XXXX that {$200.00} was missing from the account and was taken over the counter on a day I could not leave home due to car trouble! 

When we presented the police reports and datelogs, XXXX responded that bank policy would allow fees to be stopped on the account and a credit applied. She never responded to our requests for assistance. In XX/XX/XXXX, we halted our direct deposit through the Dept of Treasury, less than 3 weeks later they closed our account. A total of 8 months later, still with no resolution. This was my minor childs account for 3 years. We have lost complete confidence in these two banks. 

PS. Until today, the first bank is still hiding my money in an invisible account, which I need because I am paying my Sons tuition out of pocket for now and a daughter I am preparing for college next year Thanks for your help. I pray Justice is Served! 

Thank you fo
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

Personal Finance company was paid in full in XXXX of XXXX. At the time the account was closed they advised there would be no negative information reported. However, they reported Collections to XXXX in XXXX of XXXX. When I questioned them about this, they then reported it XXXX as being in Collections in XXXX and XXXX of XXXX, over two full years after it was paid. This account is not in collections and is being reported wrong on both XXXX and XXXX and, in fact, is being reportedly differently on each agency. Company refuses to correct the situation.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc. (CA)

Keep Your Home California assisted us during a recent period of unemployment by paying our mortgage to Seterus. Keep Your Home requested paperwork that they later did not need that resulted in a delay in processing the mortgage payment to Seterus. We explained, in advance, the circumstance to Seterus in an effort to have them excuse the late payment. They adamantly refused to cooperate and were extremely unaccommodating of our request despite our never having been late on any prior payments, not even once.
Consumer complaint received 2023-04-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act the following accounts. 

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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me and should not be on my Equifax file. This is fraud. These companies have never provided a method of verification. These accounts should be deleted from my credit file today.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

I have tried to get a hold of your customer service to find out the status of my arbatration case you guys got the papers 3 weeks ago and signed for them I sent them certified mail what is going on with this I have no updates
Consumer complaint received 2024-02-10
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (IL)

I have a chime charge that I first noticed on XX/XX/XXXXXX/XX/23 there were charges in the amount of {$1.00} that were pending in my account. I called chime to dispute the charges and by this time I noticed there were several more charges in the same amount of {$1.00} which posted on XX/XX/23. I put a dispute in for the charges on XX/XX/23 now I would like to mention at the same time I was dealing with a personal issue with a family member XXXX in the hospital so I was not necessarily paying attention to every single transaction coming out of my account. The merchant was blocked and I was sent a new card but something told me to looked at previous chime statements and I noticed there were a lot of the same charges in XXXX of 2023 as well. In total there were about 90 of the same exact charges that added up to almost {$100.00} in total. I filed two different disputes that were denied. I tried calling the phone number attached to merchant charges and got nothing, I search the name on the charge which was XXXX XXXX and several message boards came up with different customers stating they recieved the exact or similar charges and they were not able to get their money back even after disputing it with their bank. I am a XXXX mother I dont have {$100.00} to give to anyone stealing from my account and the reason this complaint is being filed at this time is because my grandmother passed away recently after a lengthy hospitalization and I had to deal with that. I understand Chime is a pre-paid card however that should not mean that you allow scams and unauthorized charges and as customers were supposed to just XXXX it up and take the loss. If this issue is not resolved I will gladly take my money somewhere else where the due diligence is done and they make sure their customers are given back what rightfully belongs to them
Consumer complaint received 2019-06-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested Infiniti Financial Services to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and Infiniti Financial Services to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to XXXX  to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted XXXX  and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to XXXX and second to send me a letter stating that they sent this request to XXXX. After a couple of weeks, I contacted XXXX again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and XXXX  keeps not receiving it.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

On XX/XX/2019 XXXX XXXX sent me a letter and agreed delinquencies reporting was an error on my credit report and would be updated on the XX/XX/2019. Two of my reports were updated and the one that wasnt is now XXXX is reporting 90 days delinquent on my Equifax Tri-Mortgage Report  because Im closing on a house next week so its time sensitive.
Consumer complaint received 2019-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

I have been getting calls from synchrony Bank from XX/XX/2018 until XXXX. They call me at least 5 to 6 times a day and before XXXX. I have answered and told them many many times on many occasions that the person they are calling for does not own this number and to stop calling me. They have refused to stop and continue to call before XXXX and all throughout the day.
Consumer complaint received 2021-02-10
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. (TX)

To whom it may Concern I'm a Victim Of identity theft. These Account that is On my Report. I did not Give any One consent To Open These Accounts. All Accounts are Fraud This is very Stressful I'm a single Mom Trying To do right for my Life now Someone is trying to Destroy my Name and Life Please help me Resolve This Situation
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX Account Number : XXXX  Year : XXXX Make : XXXX Model : XXXX XXXX : XXXX To Whom it May Concern : Please be advised that the above-referenced, charged-off account was settled in full for less than the amount owed on XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) recognizes that the above-mentioned debt has been settled in full. 
We are in the process of updating our records to reflect the settlement of the above- referenced account. Please allow up to thirty ( 30 ) days for all updates to be reflected with the credit-reporting agencies. Also, please be aware that XXXX is merely a furnisher of credit histories maintained by any credit-reporting agency. XXXX XXXX XXXX can only make requests that changes be made to the credit history and can not guarantee such requests will be honored. 
If you have any questions, please contact XXXX at XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All rights reserved. XXXX