davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I had a mortgage with XXXX which was open XX/XX/XXXX and was a XXXX XXXX mortgage. XXXX of XXXX NewRez bought the servicing of my mortgage and this is were things went down hill. My mortgage payment was only XXXX XXXX XXXX and I paid my own taxes and insurance on my own. XXXX was trying to collect for an escrow account. They even paid my taxes XXXX time and I paid them at the same time so they were paid XXXX It took me XXXX XXXX to get my tax money back. I talked to the head of XXXX customer service and they straighten this issue out. They promised me I would not have escrow and I would not ever have a XXXX XXXX  late payment on my credit because I was making my XXXX XXXX XXXX  payment of XXXX and they were looking for {$1600.00} to cover the escrow money. I paid the loan in full XX/XX/XXXX and just ran my credit and they put a XXXX XXXX mortgage late on my credit for XX/XX/XXXX. I called them and emailed them like they asked me to do and they say I was late and there is noting I they can do about the XXXX XXXX late. It was there error and now I suffer. I know what happen. For XX/XX/XXXX payment they were looking for {$1600.00} and I only paid them my XXXX XXXX XXXX payment of {$1000.00} which is the correct payment. Because I did not make the escrow payment in XX/XX/XXXX they said I did not make a full payment and mark me XXXX XXXX late. I paid the loan in full in XX/XX/XXXX and I have a letter from them it is paid in full without lates. I need this XXXX XXXX mortgage late taken off my credit. I have been in the mortgage business for XXXX XXXX and own many homes and this is the worst mortgage company I have ever work with. I have NEVER made a late mortgage payment. I think they do not care about me anymore because I am not their customer any more. I am looking to get a heloc with another company and this late payment is stopping me from getting the loan. For XXXX XXXX I made XXXX payments on time with this loan. Why would I make the XXXX payment late. This is so wrong and I need action taken for the horrible customer service this company gave me over the XXXX XXXX they had my loan. PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX number = XXXX Company = XXXX
Consumer complaint received 2020-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IA)

In early XXXX I initiated a refinance with LoanCareXXXX XXXX. Since then I was instructed to not make the XXXX, XXXX and now XXXX payment. At that time I cancelled my auto-payment to facilitate these non-payments. 

Late XXXX I finally made the payment to avoid going 30-days late and just today I made the XXXX payment for the same reason. I was told they were unable to waive any fees associated with today 's payment which is unfair and unreasonable considering I was told by a representative of their company to not make the XXXX payment. 

Additionally, my refinance is taking entirely too long. We are approaching 120 days on the refinance and my processor has forgotten to submit my paperwork along, is often non-responsive and doesn't contact me for long periods of time. These delays have resulted in extra interest being paid on the mortgage when not necessary.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MO)

We bought a XXXX XXXX XXXX truck through Ally Auto. It was in a wreck and was totaled. We checked online for the payoff amount to pay it off. We used the insurance payment and our personal money to pay the truck off completely as per what the online amount was. Two years later, they started billing us for an extra {$600.00} and adding fees that are now over {$800.00} that we do not owe. Every time they contact us via phone or email we told them we do not owe this amount and had paid it off, but they will not correct their records. They seem very corrupt and are constantly changing the amount they say is owed. They also told us that while we were waiting for the insurance check that they would freeze the account and not add additional payments or interest, but they kept adding fees anyway, and would not remove them. Now they have put bad credit report on our credit score and sent us to a collection agency.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They reported a derogatory mark to the credit bureaus, listing it as a charge off because I did not send them the documents they had requested. 
XXXX XXXX XXXX, requested a bank validation letter from me. I sent the bank validation letter on XXXX XXXX XXXX XXXX XXXX  repeatedly told me it would take x amount of time to reinstate my account. I followed up with XXXX XXXX XXXX  after the time had been sufficient as they had stated. Then they after speaking with a supervisor, then a manager for almost 3 hours they told me they had never received my bank validation letter. I told them that my XXXX indicated that I had sent the letter per their instructions ... with my card number, the bank validation letter in a PDF format. They researched the emails after I sent them the original email showing the date XX/XX/XXXX. Then they claimed to have found it but could not open the PDF file, ( Ive sent many PDF files via email and every one has been able to view it XXXX. So, I disputed it with the Credit Bureaus. Not only did they not resolve my issue but XXXX XXXX XXXX  now reports that I am late for XXXX, that is not true I paid twice in XXXX.
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have a mortgage with Wells Fargo. I refinanced it with them in XXXX using XXXX XXXX, who at the time was employed by them. In XX/XX/XXXX I received solicitation for real estate services from XXXX XXXX who was no longer employed with Wells Fargo. In his emails XXXX referenced information that was beyond contact info. I reached out to Wells Fargo concerned about one of their former employees leaving the company with personal consumer information. Their response was that it was looked into and would be remedied. I just received another a phone call from the same former employee. 
Should Wells Fargo employees be able to take consumer information with them when leaving employment?
Consumer complaint received 2018-07-18
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. (IN)

This letter is to all 3 credit bureaus I notice that there is a Bankruptcy on my credit report. 

I'm requesting verification of the process that was used to verify the information with the credit bureaus. What methods they use to verify the information I'm requesting that the credit bureaus all 3 provide A. The name of the Court house B. The name of the person they verified the bankruptcy C. The Address and telephone number of the courts D. The docurmentation use to verify the bankruptcy
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Good morning, I am writing because my credit report is showing my credit history to be four months old. It does not show any past mortgage payments or home equity loan payments or accounts. Both are close now, but should be represented on my account for ten years. I have called repeatedly, only to be transferred from one associate to another, none of whom have spoken to each other, causing me to restart the process each time I have asked for a supervisor, with seemingly no greater knowledge or access to the information or remedy than the associate. This has caused me to be denied by creditors, despite them acknowledging my credit worthiness. Additional documents, and email correspondences to be forwarded at the convenience of the CFPB.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WI)

Inquires from XXXX on XX/XX/XXXX I never applied for credit. I never applied for credit on XX/XX/XXXX with XXXX. I also have inaccurate information reporting. Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate, Account # XXXX is inaccurate is inaccurate, Account # XXXX is inaccurate. Comenity/ Layne Bryant XXXX I never applied for credit with this company on XX/XX/XXXX.
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Advantage Collection Professionals, Inc. (NJ)

I was contacted by this company repeatedly from this company. I received XXXX but it was done incorrectly by a Dr. that was not suppose to be doing these procedures. I had to get a real doctor to fix my XXXX. The company closed soon after and the lifetime warranty was not respected. The company was a fraud. I am not paying for the torture and debt that this company put me through. The pain and money it cost for me to fix my XXXX. I could have went XXXX  due to this company.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America closed my three credit cards without any prior notice and without providing any reason that why they are closing my account. As one of the biggest financial institutions they know what are the consequences that I must face because of this for example Bank of America added some remarks on my credit which I can't see and was never communicated to me in any way which can hurt me with my plans ( buying house, a loan for a business etc ). Attached documents shows that I never missed any payment, and two out of three credit cards are fully paid off. when I call on the number and I was told my account is flagged for money laundering and I have no clue why this happens. Bank of America Checking account was my salary account ( which now I moved to other bank ) from where all the transactions ( rent, credit cards ' bills, transfers to my family through legal and approved means by federal ) used to be made. 

I want explanation on my concerns, and I have separate claim ( XXXX ) for my checking account as well
Consumer complaint received 2022-06-15
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. (TX)

I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control (CA)

XXXX XXXX CON Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-05-07
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. (MI)

XXXX XXXX said theyd make a one time exception for the missed payment due to the bank era with XXXX in switching over. It was completely out of my control. 

I am trying to purchase a house and because of this I wont be able to until XX/XX/2022 at earliest. Please help.
Consumer complaint received 2018-12-10
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I submit a FTC report to Chexsystems about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with Chexsystems and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... Chexsystems refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
Consumer complaint received 2018-10-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (SC)

Dear Sir or Madam, I did not receive my student loan for XX/XX/XXXX8. I received checks in the mail that said sign it and the money is yours. I was in a rough spot and still am but I needed the money to keep going to school. I have contacted the loan institutions and asked for a lower payment and interest charge. They ( XXXX and XXXX XXXX ) are currently charging me 48 % and 79 % interest, respectively. 
They will not budge. They offer to let me borrow more money to pay the loan but that will not help. They are only sending out these checks to poor neighborhoods. 
I do not know if there is anything I can do but feel it should be reported as predatory lending practices. 

XXXX XXXX - {$1900.00} loan ( 48 % interest ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX & XXXX XXXX ( {$920.00} loan - 79 % interest ) https : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX For the record I have contacted all other reputable credit card companies and they have worked with me to reduce my payments and interest temporarily. None of them had the high interest rate that comes close to the two companies above but they were all willing to work with me to help me resolve my debt problem. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently tried to purchase an XXXX  and my transaction was declined for inadequate balance according to my bank when I was under the impression that I have more than that in my account or better I should have more than that, only to discover several unauthorized transactions of which most where multiple transactions from Company or Businesses I've never done business with before, my jaw was on the flow upon this realization and wondering why is it that my bank will allow merchants that i've never had contact in the past access to my account without notifying me. I'm currently on the phone with the bank rep who is initiating a fraud claim regarding this transactions and as that its taking place I am filing this claim because of the bank 's negligence in protecting my account. 

Bank Claim # XXXX # XXXX # XXXX
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

transunion refuses to take an online dispute, have me call there service # and they put me on hold, i waited 1 hr never picked up.tried later same thing.
Consumer complaint received 2018-07-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have repeatedly requested copies of payments applied I have sent copies of cancelled checks for payments to XXXX that are not shown any where They keep sending the same printed report that gives no information that I am requesting. This is just a stalling tactic to continue the foreclosure. They are debt collectors and do not follow any of the laws nor does their legal counsel The property now has a Lis Pendis filed against it for a federal lawsuit to try and get them to comply with the law They respond to complaints but the response is never directly for the complaint
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # 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 an account without my written instructions,
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (FL)

Per the information on PMI posted to there web site provided at attachment, it states that the PMI requirement for the mortgage will be automatically canceled when the loan to value ( LTV ) of the mortgage reaches 78 % of the original property value of the mortgage. This occurred after the XXXX XX/XX/2018 mortgage payment. I called the lender to discuss this approximately on XXXX XX/XX/2018 and was informed they would look at it. I was again charged PMI in the XXXX payment so I called the lender again around XXXX XX/XX/2018, to advise that the PMI payment was not in accordance with the information posted on their website and why were they still collecting it. Again I was informed they were reviewing it and would advise me shortly. On XXXX XX/XX/2018, I received the letter from the lender provided at attachment advising me that I would have to pay {$100.00} for a Brokers Price Opinion ( BPO ) on the property before they would considering cancelling the PMI requirement. This new BPO requirement is not addressed anywhere in the lender 's PMI information and is in direct conflict with the information that is posted.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I had an issue in late XXXX with someone using my personal information to open a Citizens Bank debit card and then trying to withdraw {$10000.00} from it after attempting to transfer from another account from a different bank. I reported this incident to all agencies. 
In XXXX, I received a Citizens Bank Mastercard in the mail that I did not apply for. I called them up to let them know I didn't apply and asked how this could have happened since I had placed a freeze after the last incident. They mailed me a letter stating that I needed to provide documents containing personal information ( Valid government photo ID, proof of residency, emails/written notifications I received ).