davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

XXXX 2017 Recently my mortgage was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ). At the same time I have been refinancing my house with another lender. The following things have happened over the last month as my new lender has tried to payoff SLS : -No information available about loan details when I initially called to talk about details, escrow, etc. Data from XXXX XXXX loan had not been updated in SLS system yet. 
-Personal account info is not available online due to their online system having " being down ''. I continue to not be able to get details on my loan unless I call. 
-SLS claims to have paid my property taxes from my escrow, but payment has not been received by my county. 
-Due to non-payment of property tax, my county has  assessed me a penalty. I should n't be responsible for this. 
-My new lender sent in the payoff amount SLS gave them, but SLS claims the amount was less than the payoff. 
-SLS eventually dispersed a property tax payment, but for some reason made a DOUBLE payment out of my loan balance, which is the reason they are claiming my lender is short on the payoff amount. The amount short on payoff is exactly the same amount of my property taxes. My property tax payment is XXXX. But they paid XXXX. 

It seems that there is no accountability by SLS to me as a consumer. I had to argue with customer service telling them that they keep changing the payoff amount from the original quote. The lady told me that I had to pay the largest amount. I kept asking her why the payoff keeps getting higher. She could n't tell me until she looked closer at my account and discovered that SLS had accidentally made a DOUBLE property tax payment. 

I am absolutely upset with this company. My hands are tied because I ca n't access my online account to look at any details. They are keeping me in the dark! They keep increasing my payoff amount to my new lender, because they accidentally made a double payment. This is preventing my lender from paying off the account. I am being held XXXX!!
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I have written, and called Equifax about updating, and accurately reporting.Information pertaining to various accounts on credit report. 
1 ) As an authorized user on my husband s XXXX XXXX XXXX  XXXX card.That account is listed on my credit report. Equifax has the payment status as " Not more than two payments past due '' .That is inaccurate.I personally paid on XX/XX/XXXX. For the months of XX/XX/XXXX, and XX/XX/XXXX. 

A. ) Equifax has the credit utilization for this same account as 76 %. That also is inaccurate. 

B. ) Equifax for this same account has a high balance of {$260.00}, that also is inaccurate. 

2. ) XXXX/XXXX A. ) Equifax has my balance as $ XXXX.That is inaccurate. 

B. ) Equifax has my credit utilization at 57 % that also inaccurate. 

C. ) I contacted XXXX regarding my credit report through Equifax. Is not reflecting my payments, my score hasnt gone up Since XX/XX/XXXX.XXXX informed me that they submitted/updated to Equifax XX/XX/XXXX . I contacted Equifax, and was given no information.But wanted me to pay for my score. I informed the representative.Im not asking for my score. I have MyFico for that. Asking did XXXX in fact submit updated information regarding my account.Was told they couldnt tell me that information. 

3. ) XXXX XXXX A. ) Still showing balance as $ XX/XX/XXXX.That is inaccurate. 
B. ) On my 2-Year Payment History that do n't have a payment for XX/XX/XXXX or XX/XX/XXXX.In which payment was made on time for both months.Equifax reported my account was late right away for XX/XX/XXXX, and XX/XX/XXXX. But, they have yet to update XX/XX/XXXX, and XX/XX/XXXX ontime payments.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (SC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2017-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (NY)

Company refused to send me a settlement offer letter prior to making payment - asked multiple times and they kept hanging up on me after trying to transfer me to a manager. 

I asked for this to be removed from my credit report if paid in full due to the fact it is considered a utility bill and they refused and said that is not possible. 

As an American male of the age of XXXX I am aware of my rights and they refused to comply by them. 

After days of arguing with them I decided to pay the settlement in full - they barely verified any of my personal information which made me a little nervous about giving them my payment.
Consumer complaint received 2024-01-30
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. (TN)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

It started with myself looking at my finances as a whole. I called the credit card company and found out that there was a promotional balance transfer offer - and I took it. I transfered my balance from another card to this new card. I'd like to note the reasoning behind this action : My goal was to show a lower credit card utilization percentage. The card I transferred from was almost 100 % and the card I was transferring to had such a high credit limit ( mind you, I haven't use this card in a while! ) so after I transfer to this new card, the utilization percentage would be roughly around 50 % and the prior card would now be at 0 % - this action would improve my credit score as I continue to pay off my debt. 

About 1-2 weeks later I received an email saying that my credit limit decreased after a review of my credit reporting. ( attached ) This was alarming so I called the credit card company to try and rectify this. I was pretty upset of course because this now defeated the purpose of me transfering my money to this new credit card banking company. My question was - why, after I recently transfer money does the company want to 'review my account ' and lower my limit. If my credit reporting history has been the same for a while now, then why didn't they want to lower it beforehand. Also - why would they approve the balance transfer offer to me? 

I don't find this action professional from this company at all. 

When I spoke to the representative over the phone, I was able to get transferred to a supervisor ( they told me this person was anyways ) and they put a request in to 'raise my credit limit '. I didn't think this was the correct procedure to do honestly. I new it would go through as a normal request - not a special case request as my phone call into them was pertaining to. I feel this was on a whole different level where it should have been handled differently. So of course, I received a denial letter ( attached ). 

I don't feel this was right or handled properly. This action did worse to my credit report. I honestly wish I just never did the transfer. I am looking into any options that I have to get this rectified. The very least, I want to pull my money back out from them and move it to another credit card banking company. They do not deserve my money for what took place.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (LA)

I recently reviewed my XXXX, XXXX, and XXXX  credit reports and noticed a collections entry from this company. This is inaccurate, as I do not have a contract with this company. 

In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

I wrote the company requesting validation, but the creditor 's attempt of validation is not valid. This company sent me a copy of a lease, but the company 's name was nowhere on the original contract. 

With NO VALID CONTRACT, this company has no right to place any information on my credit reports.
Consumer complaint received 2017-12-06
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: CITIZENS FINANCIAL GROUP, INC. (MA)

I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX
Consumer complaint received 2017-12-08
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. (CA)

I filed a complaint { XXXX } on XXXX-2017 because Equifax refused to remove my authorized user trade-line. Besides my authorized user trade-line, I also have other XXXX XXXX accounts that are not authorized user accounts. Equifax deleted account XXXX - {$24000.00} - XXXX XXXX XXXX XXXX as instructed ... however they deleted all of my XXXX XXXX accounts to cause me harm. I called and spoke with a manager to no avail. He was very rude. I need Equifax to place my accounts back on my credit report. The account numbers are XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... XXXX ... all are XXXX XXXX XXXX XXXX accounts.
Consumer complaint received 2017-12-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TN)

I got a loan from XXXX XXXX in XXXX XXXX tn on XX/XX/XXXX I have paid my payment every month and tried to make my payment on XX/XX/XXXX. They got my card information to get the XXXX payment but informed me that I had to pay XXXX I told them I did not have XXXX all I had was XXXX and I would pay the other XXXX in two weeks when I got paid again but I would pay the XXXX dollars that was due on my statement.they refused my payment and on XX/XX/XXXX told me that now I have to pay XXXX even though they refused to take my payment I told them to stop calling me since they refused payment and they told me they would keep calling me as much as they want until I pay XXXX.and there was nothing I could do about it.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my utmost frustration and dissatisfaction with the handling of my repeated attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, it appears that the fraudulent charges persist on my account statement. 

I have diligently reported unauthorized transactions on my account on multiple occasions. Each time, I have followed the prescribed protocol outlined by your institution, providing all necessary documentation and information to support my claims of fraud. However, despite these efforts, the fraudulent charges remain unresolved. 

It is deeply concerning that despite my initial attempts and subsequent follow-ups, the fraudulent items continue to plague my account. Not only do these unauthorized charges pose a significant financial burden, but they also undermine my trust in the security measures and responsiveness of your institution. 

I have made numerous phone calls, sent emails, and visited your branch in person in an attempt to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent charges have left me feeling frustrated and helpless. 

As a valued customer, I expect a timely and effective response to instances of fraud on my account. The repeated failures to address this issue reflect poorly on your institution 's commitment to customer service and security. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent charges be promptly removed from my account, and that measures be implemented to prevent any future unauthorized transactions. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent charges on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MI)

I have contacted this company Midwest Recovery Systems asking them to validate this debt with original documentation however at this point nothing has been received. It is listed on my credit report two times with identical account numbers yet two different amounts. As far as I am able to determine as if this is not egregious enough, I am unable to locate a license to collect in Michigan as required by law for this Company or any of the other companies with the same or similar names. This is causing a great hardship and I would like them to remove and DELETE these fictitious and possibly fraudulent entries on my credit reports from XXXX, XXXX and XXXX along with any other third parties. Placed on my reports for {$1000.00} and {$740.00} XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I had a mortgage with XXXX XXXX XXXX that was sold to Carrington Mortgage Services. Carrington then contacted me via phone regarding their " no out of pocket '' /no cost rate reduction program that would lower my interest rate and payment. When I inquired " why '' /how they made money, the rep indicated that they wanted a portfolio of people paying their mortgage to increase the investment value of the company. He also continued to stress that this would be better than a traditional refinance, because I would avoid costs, appraisals, etc. He often said we needed to act quickly to lock in the rising rates - and so he could send over the disclosure for me to sign. I asked for a breakdown on the payment ( P & I vs. Escrow ) and he did not supply. Also, there was never a mention of additional costs/fees/etc - only that my payment would decrease. When I looked at his recap - I noted he had added on XXXX {$7000.00} to the current value of my loan - without ever having been mentioned. I questioned this - and he explained there was a FHA insurance fee rolled in. I did not go forward with the refinance - but, am concerned that others may be deceived.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One XXXX has me as " potentially negative '' and account status as " open '' as of today 's credit report viewing of all XXXX credit reporting agencies. I have no idea how this is possible since I had closed that account years ago and never touched it again. So all XXXX are showing wrong information due to XXXX and Cap1. 

I am widow XXXX
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

On or around XX/XX/XXXX I purchased blinds for my home from JCPenny for around {$900.00}. At the time it was advertised if you open a JCPenny credit card this purchase would be 12 months interest free. At the time of opening the credit card the online service was not working and the store sales person asked me to call XXXX XXXX ( the servicing credit card company ) in one week to explain the situation and have the purchase coded as a 1 year free interested purchase. 

On or around XXXX XXXX I contacted XXXX XXXX  and spoke to an agent that told me me purchase would be coded as an interest free purchase. I should continue to make the minimum balance payment but all interest charges would be reversed. My next statement would not be correct but the XXXX statement would reflect the correct rate. 

My XX/XX/XXXX statement arrived which did not have the correct interest rate but this was explained that it might take until the next statement date. 

My XX/XX/XXXX statement had an interest charge had been applied and the rate was still set at 26.99 % for my purchase not 0 %. I contacted XXXX XXXX and they said the previous agent had not corrected the transaction but this agent would. She again said to pay the minimum payment and it will be corrected. 

Today, I opened my XX/XX/XXXX statement and I am still being charged interest at 26.99 %. This is nearly 90 days after the purchase and still a fraudulent charges of interest on my account.
Consumer complaint received 2017-12-08
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: Ability Recovery Services, LLC (FL)

I will like to file a complaint that ability recovery services had reported debt to the credit bureau affecting my credit. In the state of Florida collection agency must be license in state to collect a debt. I have investigated and verified there is no license the collection agency is not legally able to collect a debt
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MI)

My loan with Lending Club was paid in full in XX/XX/XXXX. I applied for an auto loan in XX/XX/XXXX and the dealership brought it to my attention that I had a negative account reflecting on my report. I reached out to Lending Club and was told that it was showing a {$0.00} balance on their end and they would take care of it so that it would correctly reflect on my credit report. I was told to give it 30 days and it should no longer report incorrectly. I pulled my credit report today and to my surprise, Lending Club is still negatively reporting on my credit report. At this time, this is truly hindering me.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (AL)

I paid this with my XXXX XXXX XXXX XXXX. I have proof with the check that was sent to this company and its still on my account. I owed XXXX XXXX XXXX, and they sold my account to Franklin Collections. They say we didnt and i can upload it and they can talk to my banker as well.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX