davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My loan was transferred and serviced by Freedom Mortgage as of XX/XX/XXXX. After my income was delayed, I opted to do the XXXX deferment to avoid late fees and credit report impact but resumed making payments. Since they acquired my loan, I have been having issues with them making multiple adjustments to escrows to increase payments based on whatever documentation they get from 3rd parties, without verifying I initiated a change ( XX/XX/XXXX the insurance agent changed my carrier without permission XXXX nor allowing me to pay shortage ( escrow account is usually adjusted once a year by lenders but Freedom do it each time documents go to them from a 3rd party ). XX/XX/XXXX, they increased the percentage amount they wanted overall in the escrow, and I paid the difference XX/XX/XXXX. In XX/XX/XXXX, I was threatened with policy cancellation due to Freedom paying the unauthorized insurance carrier and ultimately, they disbursed two payments to two carriers causing an escrow shortage by XX/XX/XXXX. After I complained, I was sent a bill to pay the escrow shortage, of which I paid. They turned around and applied the escrow payment I sent directly to the escrow dept. to the loan principal and interest, even though I had already paid XXXX mortgage payment. I called and complained again, and they claimed they reversed the misapplied payment. Because I am still on the deferment, they sent me a notice and advised I would be responsible for paying homeowners insurance moving forward. Due to recent insurance hikes, XX/XX/XXXX, I initiated a new carrier, even though the existing policy was effective until XX/XX/XXXX. I paid the homeowners policy in full on XX/XX/XXXX. I receive a letter dated XX/XX/XXXX from Freedom stating they paid an insurance bill out of my escrows in the amount of {$1700.00}. I immediately called to complain, they claimed to put a stop payment on the check, yet XX/XX/XXXX statement, my escrow shows the money missing. I called Freedom again to speak to a supervisor and she claimed the escrow department was closed and she will escalate to find out where my money is and call me back XX/XX/XXXX. To this day, no call with resolution. I believe Freedom mortgage is stealing my escrows, misapplying payments, and engaging in unethical practices such as what I described and need to be investigated. Please see their latest statement and my evidence of payments.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

This card account had been closed months now the IRS deposits XXXX on XX/XX/21 they did not send it back or reject it instead they deposited into a closed account!! Money from the federal government they thought they can deposit into the closed account on knowing it was closed! I want my child tax credit like now they had no right to deposit this money on a closed account and just keep my money!
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

I paid off my Citibank AAdvantage Mastercard in full on XX/XX/XXXX. I checked and rechecked the balance to make sure that I would pay off the card free and clear. Two days ( on XX/XX/XXXX ) after I had paid off the card, Citibank charged me {$35.00} dollars in interest on the XXXX balance. I was unaware of this additional fee. I thought I had paid off the card so I stopped paying on the card. Over the next 2 months Citibank added two additional late fees so that I now owe {$100.00} all in fees on the account. I called them and tried to explain that I had no idea about the extra interest charge. They claimed that it was up to me to check the balance on my account. But I had tried in good faith to pay off the card and was n't aware of the fee. They said I should have read the fine print on my credit card agreement. Who does that?!! I agreed to pay for {$71.00} of the fees, but do n't even think I should be liable for that.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (FL)

The nature of the wrong doing is that the account I opened with PNC back in XXXX of 2016, XXXX XXXX, FL apparently has been given to someone else and that someone else created a fraudulent account for me about three years ago. The reason I say 3 is because that's when my ENTIRE online account changed and I was forced to create a new password. 
In conclusion, I logged in my Student Loan account to make a payment, and the only way to make a payment via online was by disclosing my Routing # : XXXX and Account number : XXXX. Upon making the payment of {$10.00}, I was given confirmation number : XXXX. Then I logged into my PNC online account and noticed that {$10.00} was not deducted, not even pending. So, I called PNC, and it could have been an Impersonator, either way, this woman had the nerves to say I can ONLY use my card online. That's a lie! Due to this crime is why I keep missing all my IRS deposits, or any credits. Credits get placed by a 3rd party ( ex-boss creating this crime ). 
To make a long winded story short, please make PNC CLOSE all fraudulent accounts and tie my Debit card to my Routing # and account #. In the past I have already told XXXX from Client Relations to fix this problem, XXXX XXXX ) XXXX ; and Ms. XXXX ( XXXX ) XXXX to fix this problem. This is a crime. How can my account be given to my exboss and his mistress behind my back? The transaction went through without a problem because it's a LEGAL way of paying for something. I've done this in the past with other banks. Again, please have them correct this wrong doing once and for all. And for the record, I'm not in jail or confinement. Never have and never will.
Consumer complaint received 2020-01-21
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. (CA)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX/XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2019-08-17
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. (CA)

Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX XXXX  mistakenly reported my mortgage, which they serviced from XX/XX/XXXXto roughly XX/XX/XXXXas delinquent XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I reached out to XXXX XXXX  XX/XX/XXXXwith more than 15 pages of documentation..SEE ATTACHED XXXX Letter Dated XX/XX/XXXXhere, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - Transunion, XXXX  XXXX. I was told that even though I had a letter from XXXX that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXX. I wen back to XXXX XXXX  many many times, by phone, fax and email. I learned eventually XXXX submits to the credit bureau. Eventually I was told XXXX had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with XXXX XXXX
Consumer complaint received 2017-12-21
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. (CA)

Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from XXXX began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of XXXX XXXX representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from XXXX after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( Transunion ) already and did the same with XXXX. I asked XXXX to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to XXXX in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

XXXX has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through Transunion. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by XXXX can have so much impact on an otherwise perfect history.
Consumer complaint received 2024-02-03
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. (GA)

I appreciate the time you've dedicated to addressing the removal of certain fraudulent items from my file, a consequence of an alleged identity theft. However, there are still lingering items that require your attention. I, unfortunately, fell victim to fraudulent activities, prompting this follow-up request for the elimination of the remaining inquiry on my credit file associated with the alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any items within 4 business days from the specified date, XX/XX/XXXX. This matter has been previously highlighted in my complaint, and I am reiterating it alongside my new FTC report # XXXX. Additionally, the data pertaining to this inquiry was previously unknown to me and has already been expunged from other bureaus. I harbor reservations regarding its accuracy, specifically referencing the entry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Consider this complaint as a final notification; failing to remove the listed remaining inquiry will prompt legal action. My attorney is apprised of my intentions and stands ready to ensure your accountability in the event of willful noncompliance. This serves as your last notice. Please proceed with the removal of the inquiry resulting from the alleged identity theft.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My mortgage was sold to Loancare LLC in XX/XX/XXXX. We registered on their website to make the monthly payments via the web. When I tried to make my current payment, although I have fifteen day grace, I realized the company added a {$10.00} fee to my payment. As I read down the page, they started to charge their customers : On or 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} Our due date is the first of the month and we paid it on XX/XX/XXXX. We have email & receipt confirmation of such, but they did not process/post the payment until XX/XX/XXXX. 

This was the first time we had to pay any such fee since our mortgage was sold. Ive made multiple calls to them and have had reps tell me it was a late fee or a service fee. When I would tell them this was a VA loan, they would change it to a processing fee. When I asked why we never had this until this month, they said the info was posted on their site a few months ago. I told them I never received this change in writing, as we have all of our monthly statements from them, the reps said again, it was posted online. 

I also asked how they could just change my terms and charge this fee, they would say if its paid before due date, there is no fee. So this is a late fee disguised as a service fee, where they fiddled with the dates to increase the fee to their benefit. The fee was listed as a One Time Draft Fee under a separate section. 

When I asked why my payment was not credited as being paid on the eighth, I was told its credited as the day its processed, not when its paid. This is clear violation of the Board of Governors of the Federal Reserve Systems XX/XX/XXXX final rule, that added 226.36 ( c ) to Regulation Z concerning mortgage loan servicing practices. Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received, provided the consumer is not penalized by the delay in posting. 

I asked to speak to a manager and was told to submit my complaint in writing.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paypal Holdings, Inc (OK)

I received an alert that I had a hard inquiry on my credit report on XX/XX/XXXX by a company called BILL ME LATE/PayPal. They even used an old address on the inquiry. I contacted XXXX and they told me Id have to contact the company and they gave me the number of the company from report. 
Called the number and it was to PayPal XXXX. They transferred me to fraud dept supposedly and I spoke to a XXXX that said account would be closed and a fax sent to all 3 credit agencies to remove the hard inquiry. He gave a report number of XXXX. The next day I got another alert that the credit card was opened. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX I keep getting alerts even as of today XX/XX/XXXX that the PayPal CC was opened in my name. 

Called XX/XX/XXXX PayPal Fraud at XXXX and spoke to a XXXX that was very rude and told me that the CC was closed 6 days ago and said that nothing would be sent to the credit agencies until they did their investigation which could take up to 90 days to decide basically if Im lying or not!! I am so upset as I have an 800+ credit score which keeps going down due to this company! I did a search regarding this company on your site and they have done this before and there was even a judgment in XXXX!!!! Evidently they are doing this again!! 
PLEASE HELP
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (SC)

On XX/XX/2019 I called Brinks Prepaid card and advised that a merchant had drafted my account for {$210.00} and the rep stated no worries we can reverse this transaction and the manager has to do it since its such a large amount and the reverse of the transaction was successful the money was placed in my account. I went on to shop for my son school supplies my end of the day balance on XX/XX/2019 was {$100.00} well on Sunday XX/XX/2019 I went to the atm withdrew {$20.00} and went the grocery store and spent {$47.00} which left me with a balance of {$35.00}. I went to the gas station on Monday XX/XX/2019 and the sale was for {$13.00} it was declined well I immediately went to the car and called to check my balance which stated negative {$170.00}. I called Brinks and was advised the merchant was able to withdraw the money on Sunday XX/XX/2019 I was shocked I stated how when the money was not available and this is a prepaid company. The rep stated the merchant did a hard authorization meaning they requested money with no dollar amount on there and the transaction was able to go thru I was highly upset because I am like I called on Saturday morning why was none of this advised to me so I could cancel the card and get another card until I talked to the merchant. My issue with Brinks is that I don't work for your company and when an customer calls in and has an issue you should be able to let them know and I had been with this company for 4 years and even thru the investigation I requested a provisional credit until the investigation is over with however that was declined until two weeks later they said a possibility of update on that is XX/XX/XXXX I am like in the meantime this has affected me I have a child support check that goes on this account for {$160.00} Brinks will take all that until this matter is resolved I get paid every two weeks and my child support helps me on the weeks I dont get paid.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MNS & Associates LLC (UT)

On XX/XX/2020 I received a call from an unknown person at XXXX XXXX XXXX  using a utah zip code number. They explained they needed me to verify my social security number and place of employment and assets with paperwork. They further went on to say that something would be " initiated '' in the next 24-48 hours which was very threatening. They didn't state what they were calling on behalf of or what debt they were trying to collect and didn't give their name. Only where they were calling from.
Consumer complaint received 2019-08-17
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: Bread Financial Holdings, Inc. (FL)

Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau XXXX I even sent in my identity theft FTC report and nothing has not been done at all