davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Good Afternoon Capital ONE Representative, How are you and hope you're safe and sound during this global pandemic here. I was actually shocked today when I signed up for a credit monitoring site and noticed that there were some late payments on my credit report. What actually hurt me more, is that I have an exceptional payment history with Capital ONE since XX/XX/XXXX with no late payment and then i saw a late payment marked on XX/XX/XXXX for 30 days late. If you check my overall creditworthiness, you will see that I pay all my bills on time with absolute NO late payments. I really love the relationship I had so far with you guys, and I'm certain that this was a mistake. I work in XXXX  Industry ( XXXX  XXXX XXXX ), and even though I haven't worked since late XX/XX/XXXX i still pay my bill and fulfill my credit obligations. Honestly, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Sorry for my grammatical errors as English is not my strongest language. I speak XXXX XXXX and XXXX. But Thank you in advance.
Consumer complaint received 2021-04-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I requested that late payments be removed due to my family being infected with the XXXX and they have not been removed. I requested the removal of late payments through credit bureau disputes and online through the credit card company messaging center. 

My account is currently paid off and the 4 late payments from XX/XX/2020 to XX/XX/2020 are greatly impacting my credit score. Prior to the pandemic I did not have any late payments on my account. Once I received my stimulus check I started making regular payments.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Dear Sirs, My complaint is regarding my Loan Mortgage Service Company ( Rushmore Loan Management Services ).

We applied to the Forbearance Plan under the CARE Act for the COVID-19 Pandemic.

We were approved for six months. We are now applying for the Extension Forbearance Plan for three more months, due to still being unemployed.

When the process to apply for the extension began, our Mortgage Company requested several documents like bank accounts statements, proof of unemployment, etc. which we provided immediately. Several weeks passed and never received an answer until we started receiving letters from the Loss Mitigation Department, in order to avoid Foreclosure.

We had to borrow money to pay at least one month to avoid th
e Foreclosure process.

We think that it is unfair the way they are treating us. We are in the middle of a Pandemic and as you know we have the right under the CARE Act to be helped from our Mortgage Company to be able to keep our house.

They are charging us late fees, they are reporting us to the Credit Bureau us delinquent payment. Our credit score has been seriously damaged. 
Please, help!
Consumer complaint received 2022-03-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On XXXX-2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 120 days so they should be deleted promptly.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

I have been using the Comenity Capital Bank Bjs Mastercard for more than 5 years, always paying on time, the financial charge is very high. I am trying to pay the total of the current balance quicker and tried calling on Friday, XX/XX/XXXX, XXXX to ask for options to reduce the interest and be able to pay it all, after waiting for more than 30 minutes the first representative didn't help and instead offer more services, then transferred me to the wrong department, this person couldn't help me and I had to call again, the second person wasn't helpful because technical problems, I called again and the third person told me she was not able to help me and transferred me to another department. After two hours of waiting I didn't receive any help.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This account of XXXX XXXX was open on XX/XX/2013 and don't remember having any business with XXXX XXXX at that year. As a consequence, I decided to dispute this account with the Three Bureau credit report Transunion, XXXX  and XXXX. I requested each bureau to provide me a copy of all documents that they have in their file that they used to verify the accuracy of the dispute account. They always reply with " Information on this item has been updated or This account has been verified but never send any documentation to verify the accuracy of this account. They were unable to provide me with a copy of the verifiable that they have on file because this account doesn't belong to me.
Consumer complaint received 2017-12-13
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. (MO)

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union   Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2021-10-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (AZ)

To whom It may concern : I currently have a mortgage with Flagstar. I called customer service on XX/XX/2021 and I spoke with XXXX and she said that this conversation will be recorded for training purposes. I said that's fine and I told her that I wanted to get rid off my PMI payment because my house has gain a lot of equity. She advise me that because I have been in the house more than 2 years that it should not be a problem to remove the PMI. I asked her that If I needed to get my own appraisal or does the company supply one? She said that I can get my own as long as the person doing the appraisal is licensed. So I said are you sure and she replied... yes! So I said OK!

So I went ahead and got myself an appraiser that was licensed and paid {$450.00} for the appraisal. I called back and spoke to XXXX ( customer service ) to find out were to send the appraisal report and she ask me if I had filled out a PMI waver? I replied no because no one told me to fill out the waver before the appraisal. Anyways I went ahead and filled out the waver to drop my PMI. I called on XX/XX/2021 to find out the status on my PMI waver and they said that I needed to be with Flagstar at least 2 years without late payment. I told the customer service that I was not told that in my first conversation. They said that as long as I was living in the same house that, that should be ok. I told customer service that If the first person I spoke to should have told me that I did not qualify for the PMI waver because you do not have 2 years with us. I would have not proceeded with the appraisal. But again I got the wrong information from Flagstar. I spoke with XXXX the supervisor and she assured me that they would check the recordings for that day to hear the conversation between me and customer service. XXXX said to check with her in about 2 weeks to make sure that what I said was true. I have made several attempts to rectify this problem but they told me that they will not refund my money even though it was not my fault and I did exactly what Flagstar told me to do. I feel that they are using unfair practice and they are not following their code of conduct and business ethics. I am out {$450.00} because improper training by Flagstar and they will not take responsibility for their mistake. Thank you for your time.
Consumer complaint received 2021-10-19
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: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/2021. Ordered an airline ticket from the American Express app. The app crashed right during confirmation. Email confirmation was not sent for several hours. I was flying out the next day or shortly there of. So I ordered a second ticket since I didn't receive confirmation and the app crashed. I called Amex several times the next day and impending weeks. They gave me the run around and did nothing. So I finally disputed in writing to make a record. They dragged their heels and took 2 months to research their own system since I purchased in their app. They denied without addressing the issue of the app crashing or the dozen call I attempted to rectify before flight and in the weeks after. Please help.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (KY)

XXXX I received an encrypted email from Hunter Warfield stating I owed an alleged debt. 

XXXX I received a call from Hunter Warfield Debt Collector stating I owe the debt. At that time I requested by email that they provide with written documentation via mail to verify the debt.I also sent an email requesting this information as well. I also provided a screenshot of the documentation from the Property Manager XXXX XXXX with XXXX XXXX ( alleged original debtor ) who stated her and her regional manager ( RM ) approved that everything was zeroed out and voided approved by both of them, however the owner decided to put it back up after I was told that everything was voided. The lady I spoke with told me that they would be sending information over to original debtor based off what information I provided and that they would follow up with me via email. 

XXXX I sent a certified letter to Hunter Warfield requesting in writing that I receive written documentation of the debt along with other information important to the claim. Letter was sent with signature drop off. 

XXXX Certified letter was received by Hunter Warfield and was signed off by H Hunter as the person who signed for the letter. 

XXXX I receive an encrypted email again alleging I owe this debt. 

I never have received a written notice sent to me via Postal mail within 10 days of first contact. I also never received any verification once I sent the letter of request and it was received. I have sent an additional letter via certified mail as of XX/XX/2020 to request the information once again. 

I have also attached all information from the original debtor using scare tactics to get me to pay them for this alleged debt stating they would not be responsible for possible threats, harassment or illegal practices done to myself, my family or my place of employment. This has scared both myself and my family to know this could happen. I have attached information for them as well to get this resolved.
Consumer complaint received 2021-04-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

My mortgage was transferred to PHH Mortgage on XX/XX/20. Since my mortgage was transferred I have never received a monthly statement from PHH Mortgage. I have called PHH Mortgage every month to get this fixed and have been told on numerous occasions that this has been fixed. I have even signed up for electronic statements to help this issue and have still never received even an electronic statement. I have never been given a straight answer as to why I am not getting statements either. I am lost as to what to do next and would love to have a new company as I do not trust this company to properly apply my mortgage payments.
Consumer complaint received 2023-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

My name is XXXX XXXX. I was granted use and possession of my home through the circuit court after my divorce was finalized XX/XX/XXXX. The property is still in my ex-husband 's name XXXX XXXX. I was making on time mortgage payments until the mortgage rate changed. It stated in the court order i'm responsible for the payments and up keep of the property. My ex-husband should not have any interference with the property. The mortgage rate changed in XX/XX/XXXX. I called first home multiple times to make those payments and they would not assist due to the fact i don't have current rate information. Though he was suppose to surrender mortgage rates information and change, he did not, the ex-husband that it. I explained to First home and yet they refuse to take the payment. I even said i don't care what the rate is just schedule the payment. They refused.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Following accounts i demand be immediately removed. 

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 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (VA)

My credit report shows 4-5 separate loans from Navient with unsatisfactory payment history. This has adversely affected me and is now preventing me from obtaining housing. 

In XX/XX/XXXX I experienced the devastating loss of my education due to XXXX XXXX school closure. Since that date, I have fought with the Department of Education, XXXX XXXX and Navient to relinquish the student loans. In XX/XX/XXXX I wrote the State, Local Government and the White House to enlist assistance in requesting the compliance of the Department of Education, and Navient. Afer involving additional parties, the loans were relinquished due to the school closing however, the late payment history is still reflecting on my credit report. I have requested that payment history be removed from my credit report and have not received any form of assistance in this process from Navient or the Department of Education. 

I am requesting that all payment history be removed from my credit report as their was never a debt owed to the Department of Education, Navient or XXXX XXXX. I was unable to use the education I obtained, did not receive a diploma for the education I completed or any form of benefit from attending school at XXXX XXXX. I was unable to receive employment as a result of the school being unable to provide any forms of documented proof of externship or completion. I feel that i should not be held responsible for payment history on an account that did not provide services. I have taken a devastating loss of my education and have been forced to pay for and complete courses through a XXXX  college to obtain the education I previously obtained through XXXX XXXX. I attended over a year of school with ACT college while pregnant with nothing to show for it but non-payment history of a loan that should have been relinquished in XX/XX/XXXX. 

I am requesting your assistance in gaining the compliance of the Department of Education and Navient to remove all history of the student loan from my credit report. It is unjust that I am penalized for the school closure when I upheld my responsibility to ACT College. ACT college could not/did not provide me with the services I was being held accountable to pay therefore, the late/non payment history should be removed from my credit report. Thank you for your assistance in resolving this concern.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account or service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that ARS Account Resolution and XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

More than twenty ( 20 ) years ago, the Veterans Administration determined my XXXX to be XXXX and XXXX, XXXX XXXX   connected to my military XXXX XXXX experience. My purpose in contacting you is to object in the strongest possible terms the deceptive business practices of Experian that damage and harm all XXXX XXXX Veterans nationwide no matter where they are located. 

On one of the many screens displayed on Experians website, there is a simple fill-in the blanks form that calculates the all important debt-to-income ratios. While the form allows input for total debt, it does not allow a XXXX Veteran to enter tax free income. Instead, Experian calculations include a deduction for income taxes that are not due or paid, causing the Veterans personal income to be calculated as much as 30 % less than it actually is. The inaccurate ratio information causes a rippling negative affect throughout the Veterans entire personal credit file and ends with an undeserving lower credit score.  And my own Experian FICO Score is a typical example. This results in a diminished quality of life with unneeded stress and concern by those who dont deserve it at all. This injustice against XXXX Veterans by Experian must end. 

For example, my Experian credit file is extensive and covers 10 to 18 years of credit history. In my dozens of pages with financial accounts of every description, there is not a single derogatory comment and not a single late payment. My home mortgage account shows a twenty ( 20 ) year payment history which Experian describes as Exceptional. Other than my {$1300.00} monthly mortgage, I do not have any other debt against my {$4800.00} tax free monthly income. In fact, Experian describes ALL of my current debts to have an " Exceptional '' payment history. 

My long term relationship with XXXX and their credit cards provides access to my current XXXX  FICO Score through their excellent website. As of this date, my current XXXX FICO Score is XXXX. The President of my bank told me he never met anyone with a FICO Score above 800. 

Yet my current Experian FICO Score is XXXX based on the exact same credit file as XXXX. 

No credit bureau except Experian claims a derogatory Exceptional Installment Debt in the amount of {$120000.00} which is my first lien home mortgage. This is a custom home built for me in the beautiful XXXX  XXXX where I live. 
According to Experian, I am financially unqualified for the home mortgage Experian reports as Exceptional payment history for the last twenty ( 20 ) years - and I do not even qualify to rent a decent place to live. 

How stupid is that?
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .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