davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

I lost my job due to XXXX, and was able to find my current job but unfortunately the process of hiring took about two months, so I asked my mortgage company about the options for a forbearance, they helped me during my time of need, and discussed how placing all balances on the back end of the loan was the best option for me... 
but I had XXXX major issues coming back from it... 
. they never told me about the escrow being an issue and how it would affect my monthly payments being a lot higher I had a conversation and they told me property taxes and home owners insurance almost doubled bring my payments from XXXX to XXXX and that I was able to understand I received the agreement assuming my monthly payments for that amount and I agreed and signed it ... no problems there, problem 1... 

At that point they don't even told me about a higher amount ... one day I checked my mortgage app on my phone and I see a payment scheduled for next month for XXXX I was alarmed and called and asked what was that about and that's when they told me about the escrow balance needed to be paid. And I wish they would have told me about that when I first started because I would have paid at least the escrow that is my first issue. 

Problem 2... 

I checked my credit and it shows derogatory account and late for 120 days wich affected my credit... I called them about this and they said that was a mistake and before I submit a claim in the credit bureaus to give them 30 days to fix it, and I did I just got a notification on my credit saying that my account is current... but they never removed the late payments report negatively affecting my credit and this is something I asked them and they told me it would definitely not affect me credit wise. 

Now I must call them again and call the bureaus to remove their mistake from my credit. 

Thank you.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 90 daysXX/XX/XXXX, 120 days XX/XX/XXXX 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.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors. <P/>Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement. <P/>So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score. <P/>I was able to get in touch with XXXX via telephone to update my file information. The agent told me the security freeze was initiated by XXXX but of course I do n't know how to verify that information. <P/>I sent letters to XXXX and Experian via USPS mail in efforts to get these security freezes lifted.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Experian is displaying inaccurate and fraudulent information on my credit report. I have disputed the items and asked to be provided with validation letters with my signature. I have also contacted the other parties requesting debt validation and nothing has happened. 

My only Name is and has been XXXX XXXX XXXX my ONLY address is XXXX XXXX XXXX XXXX XXXX in XXXX Experian is reporting XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is reporting XXXX XXXX XXXX XXXX on my report. 

All of this companies have failed to validate produce any information signed by me with my only name that I already provided. it has been more than 90 days since I requested this information and they have yet to provide it. they claim that the information comes back as " VALIDATED '' but again I have yet to see a paper with my signature that I owe any of the creditors mentioned above.
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (TX)

Equifax did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is  something I have no power over.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors. <P/>Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement. <P/>So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score. <P/>I was able to get in touch with Transunion via telephone to update my file information. The agent told me the security freeze was initiated by XXXX but of course I do n't know how to verify that information. <P/>I sent letters to XXXX and XXXX via USPS mail in efforts to get these security freezes lifted.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I literally just created an account on TransUnion ( XX/XX/2021 ) and got charged {$25.00} for their Credit Monitoring service. All I wanted was to check on an inquiry on my credit report that they have but XXXX and XXXX did not..
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Ocwen,  our mortgage servicing company, ca n't explain why we have  XXXX  plus fees due on our account. I would like to have a forensic look at our documents over the past 6 years with them. How do I go about getting something like that done.?      Kind Regards   XXXX   XXXX
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MS)

Wells Fargo Bank employees or employers took {$96000.00} from my bank account on the  same day I made a withdrawal at the bank. I have proof of this fraudulent activity. This had to be an inside job stealing from customers. The signature of the withdrawal slip does not match my handwriting. I noticed the deduction of {$96000.00} from my account when I checked my balance. I contacted the bank. Filed a report with the bank about the missing money. But as of today, I have not recieved my money. An unauthorized transaction was made on my account and the bank did nothing about it.
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

The lender Navient solutions inc. has been ripping students off on a daily basis and I happen to be one of them.They reported that I owed them outrageous amount of money from school I attended back in 2010 ( XXXX XXXX XXXX XXXX ). They failed to apply my monthly payments to my total account balance and were constantly harrassing me on phone when I dropped out of the program.They totally ruined my credit score.
Consumer complaint received 2022-03-11
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. (PA)

Today which is XX/XX/2022 in called Transunion XXXX. I spoken with someone and i informed them of inquiries on my report that i did not authorize which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask them to show me a signature or any signed document that i authorized these inquiries and told them since i did not authorize them they legally have to be removed. I was told they could not be removed. I know that everything in my report has to be 100 % accurate according to the FCRA and these inquiries are not
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have recently tried to obtain a few new secured credit cards. For all of them, I received letters in the mail saying that my applications were pending due to being unable to contact me regarding a security freeze on my credit. The phone number listed in the consumer statement is one I have not used in over 10 years - which is how I know this freeze could n't possibly have been initiated by me. In fact I only remembered the number once I saw it in these letters from the creditors.
<P/>
Several other applications were denied based on the creditors ' inability to get in touch with me at the number listed on the consumer statement.
<P/>
So now I have several points off my credit score for inquiries that otherwise would 've resulted in new credit card accounts, a higher overall credit limit, and thus a better score.
<P/>
I was able to get in touch with XXXX via telephone to update my file information. The agent told me the security freeze was initiated by Equifax but of course I do n't know how to verify that information.
<P/>
I sent letters to Equifax and XXXX  via USPS mail in efforts to get these security freezes lifted.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

Caliber Home loans has failed to send my Homeowners Insurance Policy payment in a timely fashion, the payment was due on XX/XX/XXXX and set to expire on that date if no payment has been made. Caliber claims that they sent the check to XXXX on XX/XX/XXXX. Today on XX/XX/XXXX XXXX still has not received the payment from Caliber. XXXX has repeatedly stated that there is a 30 day turn around for policy payment applications that are part of a bulk amount from a mortgage company. Caliber Home loans admittedly was aware of this policy and claimed they were never billed directly by XXXX and therefore never made the payment. XXXX XXXX ( XXXX : XXXX Phone # : XXXX ) a Caliber home loans employee refused to connect me with upper management, refused to issue another check to the insurance company and refused to resolve my call on the line. Because there is water in my basement and XXXX wont process my claim until the payment is received I am stuck. XXXX refused to help me any further and told me to simply wait until XXXX got the payment. When I stated this was not sufficient she told me I could get a manager call back within 2 business days. As my situation is not one that can wait I told her that I needed to speak to someone today, she refused eventually disconnecting my conference call with her and the insurance company. She consistently placed blame on the insurance company and took no responsibility on behalf of Caliber for them allowing less than 5 business days for the check to reach XXXX and be applied before the expiration date.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner Company, Inc has falsely stated in response to a complaint # XXXX filed with the Better Business Bureau that correspondence was sent to my address in XXXX XXXX, XXXX XXXX and XXXX XXXX. Correspondence received ( see attached ) were only two pages, none of which outlined details from the creditor records that included policy start and cancellation dates, last payment dates and amount paid and the remaining balance due on the policy prior to cancellation.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

EXPERIAN, XXXX XXXX, XXXX XXXX XXXX  are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not provided written instructions for the listed creditors or any entity to furnish information on my consumer report, which could potentially be a violation of 15 USC 1681b. The Credit Reporting Agency 's actions have caused significant stress and XXXX, raising concerns about potential violations of the Fair Credit Reporting Act, such as 15 USC 1681 Section 602 and 15 USC 1681 Section 604a Section 2. Additionally, 15 USC 1666b mandates that a creditor must not treat a payment as late unless reasonable procedures ensure timely delivery of periodic statements.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must stop ...
Consumer complaint received 2024-01-29
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. (SC)

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus XXXX  in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX, XXXX XXXX, or XXXX XXXX. Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile.

I also noticed credit inquiries from XXXX XXXX XXXX XXXX, and XXXX XXXX that I have not authorized or given written consent.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION (TX)

On XX/XX/2021 the funds transfer by Xoom XXXX transaction XXXX failed due to Recipient Account Invalid status reported by XXXX, refer to trxn history. The receiving bank is claiming they have not received the transfer and requesting XXXX documentation ( XXXX etc ) to investigate the problem. 

Requested Xoom XXXX for transaction docs but they have failed to provide it so far. Despite repeated reminders they are not cooperating. Knowing how EFT operates, Xoom XXXX should provide the docs in few hours not dragging it for days. 

The Xoom XXXX address is : XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-03-26
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am writing today in wish to receive your help. At the present time I am working on going over my credit, paying down my balances, and working toward greater credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX and XXXX ) on XX/XX/2017 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-01-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (NC)

Wrongful auto repossessions by servicers.repossessing vehicles, even after I took intentional actions to prevent repossessions.I lose personal property when the vehicle is repossessed or are unable to hold on to their job due to the lack of transportation. They also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on their credit reports.The auto servicers engaged in unfairly failing to obtain refunds for borrowers for add-on products that no longer provided a benefit. In other instances, they found that auto servicers misled consumers about the amount of their final loan payments after their normal payments were deferred due to financial difficulties.Failure by credit reporting companies to conduct reasonable investigations into disputed debts.They also illegal charge me for a down payment for the car.
Consumer complaint received 2022-08-10
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. (MO)

When I applied for a new mortgage, I was told that I have no credit score, absolute XXXX. I am XXXX XXXX XXXX and have about 50 years of credit history : loans, mortgages, credit cards, bills paid, etc. The last mortgage I took out was in XXXX. It was paid off in full in XXXX. At the time my credit score was near XXXX. Now the lenders say there is no credit score at all. I tried to contact Experian to see what the problem is, but can't get through to them.