davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I closed on my loan on XXXX XXXX, XXXX, and I have been trying to resolve this with the servicing company for over 3yrs. This loan is considered Predatory based on the several things, one is my property taxes, that was put on my HUD 1 as {$100.00} a month for 6 months totals {$600.00} in XXXX, then the next year XXXX went to {$4700.00}, which raised my payments from {$1300.00} to over {$2100.00} the next year. The mortgage broker did not give me a proper estimate of my taxes, now putting me in an predatory situation, my broker did not seem to have my best interest in mind, by not giving me an option of taking an higher payment or walking away from the deal due to such a high payment increase, my broker did not advised me properly, because there were several other homes in the community that was exactly the same model as my home that was built and sold before my home was even built, the broker is responsible for giving me an estimate of what I should be expecting for my taxes, I had no idea that my taxes would increase over {$4100.00} the next year. 

My Private mortgage insurance was not calculated properly, I was charged too much a month, I was given quotes by three different loan officers and the cost was very different, was well below what I was given. 

Before falling behind on my mortgage my mortgage service did not do a face to face interview which is required.
Consumer complaint received 2021-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX Chase Auto Finance is my car loan holder for my XXXX XXXX XXXX vehicle. I have called them several times in the last 30 days and was adivised an extension could be granted from their " redemption department '' due to the 2 states of emergencies declared by governor XXXX XXXX and fema. First was the XXXX XXXX riots and curfew last month. Second was the XXXX XXXX shutdown and hack. This has impacted my ability to get product to sell and has financially shut down any source of income for me. Twice I was read long scripts and I accepted what I thought would be an extension from the redemption department due to the above. To date though it is still showing its normal due date of XX/XX/XXXX. In the past this happened and it impacted my payment history on my credit scores. Florida has a 14 day period where late fees arent charged as we all know. However as of this moment the extension is still not processed. Please confirm and update this aforementioned extension as we are close to the deadline. Please provide details of this. Many more wasted phone calls. XXXX XXXX chase financial has ruined my credit and life with this stuff.
Consumer complaint received 2020-09-19
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have a home loan with NewRez LLC. Somehow, they transposed a digit on the county parcel number and paid taxes against the wrong property for over a year. They realized their mistake and attempted to correct it by paying the taxes that I owed ( because they had not paid mine for over a year ). They did not fully investigate what happened and simply attempted to raise my monthly mortgage payment by {$700.00} per month. I spent hours on the phone with their customer support and XXXX XXXX XXXX tax collector. After I figured out what happened and explained it to NewRez, they contacted the county for a refund ( in XXXX ). NewRez informed me that the county would send the refund check to me and Ill have to apply it toward the impound account. In the meantime, they told me to call each month and make my normal payment amount- and I have to reference the account notes. Ive done this two months : In XXXX their collections department called me stating my payment was past due. This was because they did not correctly post my payment after I made it electronically ( but they did pull funds from my checking account ). Today I received a letter from NewRez stating they did not receive my XXXX payment ( which was made on XX/XX/XXXX and pulled from my checking account ). I want NewRez to put my mortgage payment amount back to the original amount and figure this mess out themselves. Its their error and Ive spent way too much time dealing with the mess. In addition, I cant even refinance because the impound account is a mess. I feel they are harassing me due to their own incompetence. Im also concerned that my credit will be impacted.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX XXXX Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

My wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a dispute with all three credit bureaus more than once now since XX/XX/2020 about accounts on my report that don't belong to me. Someone stole my identity and I filed a police report with XXXX XXXX XXXX Police and identity theft report as well. After going back and forth multiple times with all three credit bureaus disputing these accounts they have still not been removed from my report. I provided everything they asked for and they have nothing showing my actual signature on these accounts or anything proving otherwise. They keep putting them back on my report.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/2021, I received a credit card from Bank of America. To my knowledge, there has been no activity. I was told to visit a local branch to rectify the situation, but there is no branch that is near me.
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NY)

Received auto loan with high interest rate from Santander Consumer USA XXXX for a 2016 XXXX XXXX. Made XXXX XXXX monthly payments for over 4 years. Original Loan amount was {$33000.00} and made over {$40000.00} in monthly payments. when I got payoff of loan and tried to work with company to resolve with account being paid in full. I went to sale the vehicle and suddenly car was repossessed from Santander Consumer Usa. I called repeatedly and was given the run around about the situation. They then sold the car for $ XXXX and now are telling me owe XXXX balance on vehicle. This would make the XXXX XXXX {$40000.00} in payments plus the XXXX received at auction plus the XXXX they saw now I owe {$76000.00} for a basic XXXX XXXX! In addition, I can't get another vehicle because they reported on my credit report as such. This kind of predatory lending has to stop as it is affecting consumers. I lost my job as a result of no car. I tried to resolve before the repossession. Additionally the attorney general have gone after Santander XXXX XXXX and has forgiven the loans and given titles to vehicles and removed the accounts from credit reports. I am asking that this account be removed from all XXXX credit reports at a minimum as this is unfair business practices.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KY)

On XXXX XXXX, XXXX I sent Convergent Outsourcing INC,  a letter requesting validation and to cease and desist from collecting until they prove the debt belongs to me. I asked them for the contract with the original terms and conditions. They have yet to send me all four items that i request on XXXX XXXX, XXXX. You can not collect until you validate the debt and that 's what convergent outsourcing is doing.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX states I have an account which is showing on my Transunion credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Transunion credit bureau and the account is still on my credit report after disputing three times. Transunion says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be removed immediately.
Consumer complaint received 2021-11-11
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: ENCORE CAPITAL GROUP INC. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : FHA real estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX  Account Type - Detail : Educational Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

XXXX, XXXX, and XXXX have furnished my information to NELNET ( Department of Education ), which violates my rights as the consumer. 
The Department of Education/NELNET has violated there right as per the Family Educational Rights and Privacy act ( FERPA ) : is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. Nelnet , Inc., is a United Statesbased conglomerate that primary focused on financial services including student and consumer loan origination and servicing. That being said, I did not give written, unwritten, verbal, non verbal permission for XXXX, XXXX, and XXXX to Department of Education/NELNET to furnish my information. I am having it revoked immediately.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 20 USC 1232g ( b ) - Family educational and privacy rights " ( II ) the officials and authorities to whom such information is disclosed certify in writing to the educational agency or institution that the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of the student. '' Violation of my right 15 U.S. Code 1681- Congressional findings and statement of purpose " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

" ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' - I am opting out of your reporting services
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (CA)

XXXX XXXX ( CHARGE OFF ) ACCOUNT remove this account for inaccuracy. the date of last activity is inaccurate .every month you are reporting a charge off MEANS i MISSED A PAYMENT YOU HAVE FAILED TO REPORT THE STATUS DATE FOR EVERY MONTH.
Consumer complaint received 2021-11-11
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. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ; XXXX XXXXXX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 XXXX
Consumer complaint received 2021-05-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (FL)

I have recently filed a legitimate dispute on GM Financial on the removal of an old account that was settled after the first late payment over 84-months ago. GM FINANCIAL is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

Related to request XXXX that I submitted on XXXX XXXX 2021 and Binance.US didnt bother to answer. 

On XXXX  XXXX I initiated deposit of {$5000.00} that FAILED according to notification from Binance.US mobile application. 
But my bank transferred {$5000.00} to Binance.US on XX/XX/XXXX and the money are not in my BInance.US account! 

Now because Binance.US never bothered to answer and solve this issue I called my bank and asked to get my money back. 
And now Binance.US froze my account, threatened to sell my assets and requesting to deposit {$5000.00} because of chargeback of money you DO receive according to XXXX  XXXX XXXX data.
Consumer complaint received 2021-05-04
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. (FL)

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC (CO)

Breach of confidentiality. My name and email address were shared with other leads by a mortgage sales person who didn't know how to securely and privately send emails. This again occurred when the message was " recalled '', which only works on internal email systems.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, 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 unauthorized credit inquiries on my Credit Report. XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In XX/XX/2019 I sent an escrow shortage amount to make sure Escrow was paid. Loancare misapplied those funds with no notification to me. I continued to make my monthly payments. Due to the amount change and lack of notification from loancare they held my payments in a side account and showed my payments as not being made. I have made numerous calls to them to fix the issue and even paid additional amounts they said that were owed. They continue to delay the application of proper payments and my credit has been giving mulitple negative remarks and has plummeted. I have spoken to XXXX XXXX and he promised it would be fixed. Please help me get my credit repaired and have loancare apply payments correctly.
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. Collections West, Inc. (AZ)

Per your request, I closed my judgment open with you I regards to wrong debt. Debt has been paid since XXXX 2019. Now, US collections owes me an over payment of the debt. I have talked to a XXXX-something like that and his manager XXXX. I was informed that I would receive my credit balance back. This was in XXXX, it is now XXXX. I still have not received my credit balance refund. Where are my funds? I want the amount of the credit balance, how you came to that amount of the credit balance and where are my funds currently. I was informed many times I would get my credit balance funds back. Where are they? This is now the third month with no call from anyone from the company about my refund.