davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (HI)

I received a letter from Experian dated XXXX XXXX, 2016 stating that a creditor reported changes made to my name, address or SSN in the last 30 days. Upon receipt of the letter, I attempted to contact Experian multiple times via phone and on-line to identify specifics. I reviewed my credit report from Experian on-line and found XXXX inaccuracy which was a name change ( which I have never used ). I attempted to address this on line but was unable to do this on their site. I am still unsure if this was the reported inaccuracy on my report. In spite of going through multiple agencies ( my bank, FTC, and CFPB ), using all of the listed Experian phone contact numbers, I have been unable to contact a live person with whom to investigate and resolve this problem.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

I purchased a home through Cardinal Financial XXXX of this year. While shopping for a mortgage, I was very clear on my requirements. I was purchasing a " fixer upper '' and wanted to avoid long term PMI. I asked the XXXX Representative when I would be able to drop the PMI and he stated that could drop the PMI off the loan after the XXXX were finished and the house appraised for 20 % above the loan value which would be {$350000.00}. My wife and I put thousands of dollars in XXXX to our home and called XXXX to schedule an appraisal. I spoke to an account representative at XXXX and they told me they have to put in a " request '' and I 'd be notified by mail. XXXX weeks later I received a letter stating that the PMI can not be dropped off until : XXXX ) The unpaid balance was XXXX % or less of the original value of the loan my XXXX XXXX The unpaid balance is 75 % or less of the current value of my loan and at least XXXX years have lapsed XXXX XXXX My unpaid balance is XXXX % or less of the current value of my loan and at least 5 years have passed. In order to qualify from PMI cancellation, I have to pay {$31000.00} to bring my original value down to XXXX %. I 'm appalled that they are able to tell me what I want to hear in order to get me to use them for my mortgage, but when it comes time to drop the PMI they 're able to XXXX XXXX me.
Consumer complaint received 2015-05-03
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (KY)

I had a check that was mailed and it did not get credited to my account until a month and 7 days after I mailed it. I assumed it got lost in the mail. I mailed them a XXXX check and when it cleared the bank, XXXX checks cleared the bank the same day. I contacted the credit card company and they credited interest back. I paid in full each time. The next month, they charged me interest again. I called and they credited interest back. The next statement, I mailed 7 days before it was due. It did n't arrive until 8 days after I mailed. They charged me interest and a late fee. I called and they would not credit back my late fee, because they said I had achieved too many courtesy credits. I cancelled XXXX credit cards I had with this company.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter to transunion which they received by certified mail XX/XX/22. Requesting the original creditor information for a collection account ( XXXX ) and also verification of this alleged debt. They sent me a letter unrelated to my request. They have violated regulation V and also 15 usc 1681c as a consumer report shouldnt include such adverse information. They were notified in writing as they never received my written consent to even publish this deragatory information about me defaming my character. Also the account was deleted by XXXX as they COULDNT verify this account.
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

Company is XXXX XXXX XXXX. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX   services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however experian doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

On XX/XX/XXXX, XXXX XXXX I received an email from Navient that my monthly billing statement is available for payment due XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX I paid the bill and received an email for payment confirmation for payment due XX/XX/XXXX. 

On XXXX XXXX at XXXX XXXX  I received an email saying private student loan payment reminder for payment due XXXX XXXX. 

I got to the website to find that they took my {$500.00} payment for XXXX XXXX due date and applied it to all XXXX private loans.. But are also trying to charge me an additional {$310.00} for the same bill claiming I only paid XXXX of the private loans this month. This is false. 

They have done this before, XX/XX/XXXX.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TN)

My mortgage was recently reinstated after Ocwen Servicing wrongfully foreclosed on my property during the processing of my modification request. Ocwen rescinded the foreclosure and reinstated the deed. Recently I received a mortgage statement it reflected a substitute deed recording charge, sheriff fees, Lender placed Insurance fee. These charges have been included in my next month mortgage payment. My house was wrongfully foreclosed. Please request Ocwen remove the fees associated with the foreclosure.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Carrington Mortgage was in charge of servicing our loan from XXXX XXXX, XXXX XXXX, 2015 and they never paid our property taxes from our escrow! The property taxes were due by XXXX XXXX, 2015 and still have not been paid as of today ( XXXX XXXX, 2015 ). I have been in contact with Carrington mortgage several times with regards to this matter, through e mails ( corresponses with XXXX ) and even phone conversations with a women by the name of XXXX in there Tax disbursement department and have gotten nowhere. 
They have since sold my loan to a new mortgage servicer effective XXXX XXXX, 2015 we are now with XXXX XXXX. I have spoken to several people at XXXX XXXX and as of today XXXX XXXX has never sent me a welcome letter or a loan number or even a statement. I was under the impression that they had 15 days to get that to me which they have failed to do and when I contact them they said that they still have not logged my loan file into the computer so they dont see anything. I women by the name of XXXX from XXXX funding is telling me this morning that they sent out a welcome letter on friday, XXXX XXXX which I do not believe to be true because I gave ive been checking the mail every day and still nothing and today is now the XXXX. I then aske Her if she could fax me a copy of the welcome letter ... she was not able to produce it to me because she said my loan wasnt entered into there system yet! I too have sent several letters by fax, had countless telephone conversations with several of there staff, with ragards to my property taxes not being paid back in XXXX of 2015. And i am being told that once i am logged into there system that they can try to look into the property taxes! Im frustrated beyond belief and I feel like Iam getting the run around! I need answers! i have even been in contact with the XXXX and they have not received any response from Carrington Mortgage! There is so much going on with these XXXX mortgage companies that needs to be looked into! Please help!
Consumer complaint received 2016-03-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

I have repeatedly told Wells Fargo Dealer Services that they can only contact us via mail or XXXX phone number. They have violated this notice on 3 separate occasions, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. XXXX XXXX XXXX, a supervisor, has no explanation of why they continue to violate federal law. Wells Fargo has been told to only contact us at our home number of ( XXXX ) XXXX, however, they continue to harass us and contact me at work and on my cell phone. They have contacted me 3 different times at a phone number not authorized for contact.
Consumer complaint received 2016-09-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

I file a complaint agains citibank for a collection under XXXX agency, according to the citibank representative they said it take 3 months to process the investigation that is already in file with you they never responded back about their findings and conclusion, however XXXX deleted the collection because there were violations against consumer protection act, this were done by law firm in New York, called XXXX they were the one 's pushing XXXX to delete it and they did, however XXXX and XXXX are still showing the collection therefore I am requesting for citibank to delete the collection from XXXX, XXXX and again with XXXX to be sure that they will not processed it again, Citibank fail to respond back to me with the answer since 5 month ago. the complaint is in your records for you to see. there is no documentation to be submitted because it has been provided already I was just waiting for their response about my complaint.
Consumer complaint received 2022-02-14
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. (AZ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Early Warning Services, LLC (CA)

I would like to dispute XXXX and have the incident removed from my record. The transaction was authorized and done legit. The transaction in question was credit card related. I applied for a XXXX XXXX XXXX XXXX XXXX. Upon receiving my card I was given an offer to transfer any balances to my new account via balance transfer check. 

I took the check to my local XXXX XXXX on XXXX/XXXX/15 and asked how to proceed. The teller told me to deposit the check to my XXXX Checking account # XXXX and from their I can pay off anything via ACH electronically. The teller attempted to deposit the check to my checking account but before she could proceed her system indicated that she need to call the credit department and get authorization for the check. The teller successfully received approval and authorization to proceed in which she deposit said funds into my account ending XXXX. 

On XXXX/XXXX/15, I received notice that once the back office reviewed the transaction they decided to un approve it after originally approving the initial transaction and removed said funds from my account. Nothing was done wrong or invalid on my part. The transaction in question is fully documented and compass has the prove via authorization number in their system that this in deed was n't fraud and that the transaction was legit and handled in a XXXX XXXX. 

I respect XXXX decision to not approve the balance transfer after the fact but to accuse someone of fraud or misuse of the account when the transaction in question was legit is " Defamation of my Character ''. I ask that this matter is resolved immediately and removed from my record.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

I am requesting copies of all complaints made about this bank to this moment unresolved. while this agency is charged with looking into discrimination etc nothing is being done and i have escalated my concerns about this.   I continue to get responses from a nameless person likely  XXXX   XXXX  not addressing anything. I know this is headed to court. i am no longer making payments on any account and will take legal action to protect my credt Everything referred to earlier goes unresolved. Notes, in a disciriminatory fashion i am now requesting copies of these notes on all my accounts that disable me from getting help i deserve. that any other bank would freely give. I want copies of all SIGNED credit card agreements since my legal research reveals class action suits have been inititated in this regard. I dispute the interest, i dispute that  i AM being di sciminated against. I now have a legal course of action intended to protect my credit and will no longer get the nameless responses when i indeed requested a name be given in the response. Nothing is resolved. AND CFPB has been reported for accepting what is just a bunch of lies and scripts from a nameless person that i demanded be named as i have asked  XXXX   XXXX  to not deal with my accounts. Notes on my accounts i ask for or will in discovery. No one will help me as they other wise would when i call and now no more payments. Let a judge decide. Promos promised then nothing. Interest assessed after i have been misinformed. I will be able to show a judge when the discriminatory behavior began, what it is how it affected my payments and my overall history never mind the time i have invested to create this papertrail. No doubt from a nameless person i will get another Stonewalling script saying " : we will investigate '' nothing is being investigated just dcripted by the same person being discirminatory. Who looks up disputes that are old implies i am a career disputer in a discriminatory fashion and provides wrong information. this behavior appears to still be unregulated. Send a,, documents i request and CFPB i have reported that while your duty is to investigate what i am reporting and have you are not. nothing is resolved. the person who answers must identify himself or i will not accept or likely use in court against this bank. with no other bank has this ever happened. I guess the thought is you bully me you will get what you want. we will see. now you get nothing. Send all copies of arbitraiton, name yourself, send all notes on my accounts that were put on so as to disarm anyone from helping me creating a discriminatory contentious environment. your denial of discrimination or so it seems will have to stand up in court. I read all about discovers fraud. I know this is   XXXX   XXXX   this bank is so horrible no one else responds. i aint spinning my wheeels i am acting LEGALLY.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (PA)

I had a XXXX Bank XXXX XXXX card for XXXX years. In XXXX, Synchony Bank purchased all of the XXXX XXXX XXXX XXXX accounts. In XXXX XXXX, Synchony Bank increased all rates from 14.29 % to 29.99 %. I paid off my Synchony XXXX Card account in XXXX XXXX and applied for, and obtained, a new XXXX Bank XXXX XXXX card. Previously, XXXX would notify me via cell telephone, text message and email if there were any questionable charges to my account. A very valuable, and appreciated, service. Since XXXX XXXX, after paying off my Synchony XXXX XXXX Card account, I have not made any charges to that account. I just learned that improper, and unauthorized charges have been made to my idle Synchony XXXX XXXX account dating back 30 days. An automated voicemail message was left on an old, unused home phone line. No cell phone call/message. No text message. No email. All the venues that I was accustomed to as a XXXX card holder, were abandoned by Synchony Bank. I must now dispute and investigate XXXX transactions that were initiated over a period of 2-weeks in the state of Florida ( as I am a Pennsylvania resident ). I believe that the poor protections and efforts on the part of Synchony Bank should be reported to other consumers. Although Synchony Bank assumed all XXXX XXXX XXXX customer accounts, they abandoned the consumer protections and communications that were previously extended to the XXXX customers.
Consumer complaint received 2016-05-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (MD)

My car company American Honda Finacial has contacted my job after told not to! I work at a hospital and I can not have any personal calls come through on the company phone. American Honda Finacial keeps calling my job and my Director told them they can not call the hospital phone. I have also recently spoken with Anerican Honda Finacial Repersenatives and had told them orally not to call my job and gave them an updated number and point of contact on XXXX XXXX, 2016. I also made a payment agreement! However, I am feeling unsafe that my Truck has a recall with airbags that Honda has yet to replace and fix! They say I have to wait for my second recall later! Any any of my payments were late I was trying to safe as much money as U can as a XXXX Mom to buy a much safer vehicle ASAP. The though of an airbag and Sharp metal pieces taking the life 's of anyone in the vehicle!
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I enter all the information you requested about me, addresses, SSN, birthdate, but the questions you asked about my identity were question ( I think ) about my son who lives in Florida. My son has the same name as me but he 's the the XXXX, ( XXXX ) and I 'm the XXXX. I cant get access to my credit report which I need What should I do to fix this? Or is there something wrong like identity thief?
Consumer complaint received 2017-02-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and XXXX refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt