davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (HI)

Equifax free credit report not available! XXXX and XXXX are able to provide free credit reports when my current information was supplied. 
Look at internet. Several customers seem to experience the exact the same issue that I have experienced. Equifax free credit report is not available and their website is showing that I ca n't get the report online. Instead, Equifax is asking me to send my XXXX and other documents requesting for free credit report. XXXX and XXXX are able to provide free credit reports when exact same current information was supplied to them. Why is Equifax providing such poor service to customers that need free credit report? 
Can Equifax improve standards to compare with other XXXX agencies - XXXX and XXXX so that customers do n't waste their time looking for free credit report from Equifax. 

Can Equifax implement appropriate quality measures and actions to resolve customer complaints with this credit reporting agency? 

I tried their telephone IVR system as well. It is not functioning and I had to repeat the same information again and again. I also asked them to address this through customer service email. I have not received any response so far. Why are they making this so difficult to obtain a free credit report.
Consumer complaint received 2022-02-12
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. (TX)

I XXXX XXXX sent letters in mail back in 2021 certified mail. Experian will not remove even though i advised of non delivery and who did you verify with because advised in letter correct address but still have an address not mines.
Consumer complaint received 2017-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I started to miss payments in XXXX of XXXX because my mortgage had increased by {$500.00} per month. I tried to call Freedom Mortgage to see what the problem was and they never could explain exactly why. They kept flip-flopping between something to do with the property taxes or the insurance. I never got a clear answer. I asked about possible loan modification/repayment options during the early part of XXXX in order to catch up with my payments but was told that they did not offer any of these services. I told them that my friend had received assistant through his bank with an FHA loan but Freedom Mortgage said, sorry, either you pay us the full amount or sell the house. In addition, I tried to refinance but they said no because I was behind. I ended up pulling money from my XXXX in order to reinstate the loan and wired the money to Freedom Mortgage on 8/16/17 which was one day before the sale date. I called Freedom mortgage to let them know and they said that my house would not be sold because I wired the money and they said not to send them any proof because they would review the wire when it came in. I offered to send them a copy of the wire receipt but they said that they did not need it. I assumed everything was ok but it turns out that the wire information provided to me by the bank was erroneous and my wire was rejected because of this. A few weeks after I received a letter on my fence telling me that the house had a new owner and to contact them in order to set up a " cash for keys ''. In a panic, I resent the money to reinstate the loan to them again but they sent me a check back telling me that they would not accept the funds. The mortgage has been reverted back to the lender and every time I try contacting them, they tell me sorry, nothing we can do and are not being responsible for the sale of the home even though I wired the money. I truly believe that the bank is acting in bad faith in that they did n't even bother to postpone the sale date after I notified them of the wire transfer. I have proof I sent the money in on the XXXX. My home was sold unfairly!!
Consumer complaint received 2024-01-28
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I receive a report that one of my accounts had been closed. This was confusing as the account was on auto pay and was in good standing. I logged into the account and the account was current, but showed closed. This has dropped my credit score significantly. I have had a collector reach out demanding full payment. I inquired why the account was closed through their chat feature. The rep lied to me and said the credit bureau closed the account. I explained that it wasn't how it worked, but he refused to do anything or assist in anyway.
Consumer complaint received 2024-01-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MO)

On XX/XX/scrub>XX/XX/2024, I sent Credence Resource Management a Certified Mail Letter requesting documents to prove the VALIDITY of an alleged debt they are saying I ole to them and I have yet to receive a response.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I have received multiple letters from Dovenmuehle Mortgage demanding additional monthly payments of {$470.00} above my regular mortgage payment. The latest letter dated XXXX XXXX 2016 is hostile in tone with " COLLECT A DEBT '' and " BANKRUPTCY " repeated in the first paragraph. 

The extra payment apparently is related to a mistaken belief that we have no flood insurance, despite the fact that we have provided a copy of our flood insurance declaration showing effective coverage paid through XX/XX/2016 and called Dovenmuehle on XX/XX/2016 and XX/XX/2016 ( spoke to XXXX ). 

Dovemueller has acknowledged by letter and during telephone calls that we have flood insurance in effect but they continue to demand extra escrow payment. Can you assist in stopping this harassment?
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Northstar Location Services, LLC (MS)

This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (LA)

I have a XXXX credit card issued by TD Bank with a credit line of XXXX dollars and a current balance of about XXXX. I never have a late payment on this card or in any account. My credit score is XXXX mostly because is not not old, only 7 years. I just received a notification for TD Bank informing that because they are ending the credit card relationship with XXXX, my account will be close. How much that will be impacting my credit score specially now that I 'm about to apply for a mortgage. I have been fulfilled my obligation but apparently that means nothing for them.
Consumer complaint received 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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 a account without my written instructions
Consumer complaint received 2015-05-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AR Resources, Inc. (MD)

I have XXXX negative accounts on my XXXX Report from AR Resources Inc/XXXX. Those accounts are paid in full, because I have XXXX Insurance and when I got to the doctors or hospital XXXX pays my bill in full. 
Please assist me with this matter.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OK)

In 2005, I opened a Best Buy credit card and purchased a computer. I remember it well, as it was my first credit card and a very large purchase at the time. I was careful to review everything I was signing. However, I recently learned that, at that time, a monthly recurring charge was added to my account. I never authorized or wanted this " debt protection '' service, as I already have insurance. Nevertheless, I have been charged every month for the past 14 years. When I learned about it, I called, cancelled, and disputed the charges. However, Best Buy reviewed my account and determined that I had signed up for the service at the time of my purchase and have had the coverage since. So, according to them, I legitimately signed up and they will not refund my money. I now believe that the employee at Best Buy who sold me the computer may have used my information to purchase the debt protection in order to receive a bonus or something like that. I can only say that I am certain I did not.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IN)

Ocwen Loan Servicing has not paid our Home Insurance that was due XXXX XXXX, 2015. They collect for and escrow the money for it in our monthly payment it. My insurance Co called and said they would cancel the policy if not paid in XXXX days.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WI)

Litton loan filed XXXX for closures with false documents, charged me fees that were subject to HUD section 8 violations, failed to apply payments in a timely manor, and charged fees for late payments, in spite of receiving certified bank checks, sent registered mail, and mis applied payments, falseified my credit history and payment history, filed fraudulent legal documents that were later to found forged
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (SC)

XXXX This card service have been charging me XXXX cents to check my card balance by phone and XXXX every time I make a transaction but dont have the funds or a company request funds that I dont have. The call it a nonpayment fee. Even if my account isnt being overdrawn. This month alone I have 18 denial fees. For transaction like XXXX or XXXX trying to receive payment. This seems very unfair and unethical. It also seem like they are taking money from my account. My bank statement doesnt match what they tell me by phone like transactions dates. They told me that my child support payment was deposited on XX/XX/2023 but online bank statements says XX/XX/2023 and I have non payment pos charges from XXXX on XX/XX/2023. None of this makes sense.
Consumer complaint received 2015-10-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Onity Group Inc. (IL)

I purchased a home through online auction XXXX AND the seller, U.S. BANK NATIONAL ASSOCIATION, recommended their preferred partner for closing, XXXX/ XXXX with the incentive that I would save on fees. The entire deal was conducted by email and pdf documents.I wired the money and even had a lawyer representing me. I closed on XXXX XXXX, 2015. To date I have not received a deed or title, and I have contacted the city and county agencies, and this property has not been transferred in my name. The water dept has shut off the water to my house because there is a {$11000.00} bill owed by U.S. BANK NATIONAL ASSOCIATION. This and other items were covered in the closing document but they never funded the transactions with their local vendors. They swindled me in the amount of {$34000.00}. We wired this money to a XXXX account indicated in the instructions. All three of these entities are working in conjunction to fraudulently advertise, sale, and close properties they do not intend to release to purchasers like me. Even my lawyer has contacted the parties and no results have occurred in the last 15 days that we have complained that the water is off. I am living in a house with no water, no title, no deed. Nothing to indicate I purchased or own this house except emails between XXXX and XXXX XXXX, 2015.
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I refinanced my loan and was told that the payment was not due until XXXX and that if I started to pay the note earlier I would not have to pay interest and the entire payment in XXXX, would go to the principal. I called on this matter and they said that they would correct it but I looked over my payment record and it still shows that the payment was collected to interest and not all of the payment in XXXX went to principal. The main reason I paid the note earlier than required was to have the early payment go towards the principal only. I checked the history on the web site and they did not do what they said that they would do.
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CA)

The bank took away my capability to earn points. I'm below a threshold of cashing in my points on my account for a gift card. I'm just shy of XXXX. The lowest amount I can use is XXXX. I do not have an option to cash in my remaining points.
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (CO)

Wereas, XXXX XXXX XXXX, Ruasch sturm and The appointed Fiduciary XXXX XXXX XXXX received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XX/XX/XXXX, the appointed Fiduciary XXXX XXXX XXXX on or about the XX/XX/XXXX filed a Motion For Defualt judgment and on the XX/XX/XXXX was granted an oreder for judgment. on or about the XX/XX/XXXX i filed a Judicial Notice stating that, XXXX XXXX XXXX, Rausch sturm and the appointed Fiduciary XXXX XXXX XXXX failed to answer the notice of Dispute. 
Whereas, I XXXX XXXX never recieved a letter stating that they recieved the NOTICE OF DISPUTE and if they ever investigated the debt and or the conclusion of the investigations. 
Whereas, XXXX XXXX XXXX, Rausch Strum And the appointed FiduciaryXXXX XXXX XXXX, willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non - economic loss or injury We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS XXXX XXXX XXXX, XXXXausch Sturm And the appointed Fiduciary XXXX XXXX XXXX to pay on damages for non - economic loss or injury
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK (NJ)

XXXX XXXX XXXX used extremely aggresive legal tactics to collect on a Discover Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though Discover and XXXX XXXX XXXX knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, XXXX XXXX  inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with XXXX XXXX  since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted XXXX  customer service on XX/XX/XXXX to question why my XX/XX/XXXX payment was reported to the credit bureau as being late. I paid the XX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXXand XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states XXXX XXXX   will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXXand instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.
Consumer complaint received 2019-02-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I was placed into a ( Navient ) payment plan I believe during XX/XX/XXXX and payments were made of {$130.00} from that point up until today. However, during XX/XX/XXXX i received a phone call stating that the program that i agreed to was not the right one any longer so I had to complete the over the phone process again and agree to terms. I then received a phone call in XX/XX/XXXX stating that the program was not the correct program again and I had to do the entire agreement over the phone again. In XX/XX/XXXX I received another phone call stating that I was not in the correct program although payments were still being automatically taken out of my account. I was apprehensive about these phone calls as it seemed every month i was getting a call stating that it was the wrong program, so I waited to see if another payment was going to be drafted as it in fact was. I believed that since payments were coming out, that I was still in the program and i did not receive anything in writing stating otherwise. I then finally received a letter in the mail in XX/XX/XXXX stating that I was now in default and the balance was due of XXXX. The entire time payments were being made and I agreed to the program they advised me on. I don't think it is fair and practical to call three months  straight saying I was in the wrong program although i agreed to the terms and made payments. I need help getting out of the default status and I believe the burden should be on them as they gave me wrong advice and stated that I was in a program for repayment. Thank you! I plan to call again to try and resolve this, however, they are not being as understanding as they should.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

After looking for cars in last 6 months. I had a used car dealer run my credit XXXX times that I did not authorize. After seeing my credit report I was shocked to see how many inquiry 's were on my report. I did not authorize any inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these inquiry 's to be removed. They are negatively effecting my ability to use my credit. There should be more control of people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.
Consumer complaint received 2023-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (AL)

I owe this loan company named OneMain Financial XXXX dollars but here recently every time I make payment 99 % is going to interest and it's supposed to be a 35 % interest loan. The payment is XXXX a month. They say it's because My payments haven't been spaced exactly less than 30 days apart so if I dont pay in exactly 30 days or less every month they send almost all of the paymentto interest. I can understand a little bit of a hike in interest but not going from 35 % to 99 %