davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

Since XX/XX/XXXX, over-payment of escrow account, where M & T Bank   refused to credit mortgage account and pay down principal as requested numerous times over the phone. Only attaching a note on my bill, " ... Our records indicate that M & T has sent you a refund check that you have not cashed yet. Check # XXXX, dated, XX/XX/XXXX in the amount of {$220.00} ... '' ; and I just read this, on or about XX/XX/XXXXas I recall, I spoke with someone in XX/XX/XXXX, where they told me they applied this to my principal per a phone conversation back where I exclaimed, this should have been done back in XX/XX/XXXX, and the customer service representative said it was! Again speaking in another phone call in XX/XX/XXXX where M & T, stated over the phone, they had applied the over-payment to principal, yet here it is XX/XX/XXXX -- and the above message has not been removed from my monthly bills. Has monies been wrongfully misplaced on purpose? How many more customers had their overpayments not cashed and given the option to have credit to escrow/principal paid instead? Is this a violation of the FHA/HUD Rules & Reg.? Someone was lied to, and can be backed-up to that effect, including any mishandling of funds, as the amount of mortgage payment should be less than {$1500.00} per month .... Please enforce the correct payment amount, as anyone who studies math, knows numbers do not lie. Escrow is knowable, especially since the numbers for the year XX/XX/XXXX were released and M & T did nothing to correct monthly payment amounts. The false amount placed in escrow by M & T is fraud. Including since they're raising the monthly payment amount they state I am short in the escrow, which is less than the amount they still owe in back principal. The shortage amount for XX/XX/XXXX, was about $ 170+/-, and where M & T raised monthly payment amount this year. Please slap them with a fine per the rules, credit my account back principal, and re-calculate actual payment amount as ESCROW TAX AMOUNTS HAVE BEEN RELEASED FOR THE XX/XX/XXXX-XX/XX/XXXX, and is knowable down to the XXXX, where I should be paying less than $ 1500/month ; M & T is charging, {$1500.00} -- which is more than previous year, and where if principal had been credited as they said they did, what would that amount be today? Per the XX/XX/XXXX bill  amount was {$1500.00}, and where they did not credit the $ XXXXwhich would have been a reduced payment amount. Please credit from XX/XX/XXXX and using the TVM~Time Value of Money equations, recalculate new principal amount with above applied credit and supply a new escrow to establish the correct payment amount due for per month for the year XX/XX/XXXX. Not withstanding anything less than a fine, and a credit of interest per both federal and California State Laws for wrongful mishandling of escrow balances and defrauding monthly payment amounts.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 4th time disputing these accounts and no one is responding ... The XXXX is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX Account XXXX XXXX- XXXX Unverified Account US Department of Education- XXXX XXXX Account XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX- XXXX XXXX Account XXXX XXXX  XXXX- XXXX Unverified Account XXXX XXXX Unverified Accoun XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2017-08-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

. When I requested the same information from the XXXX XXXX XXXX Business account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX Dollars debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX-XXXXK Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XX/XX/XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.
Consumer complaint received 2017-09-04
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: EQUIFAX, INC. (MN)

I am a victim of identity theft. This 's my 3rd complaint. I have 2 police reports on file with the XXXX Police Department and XXXX XXXX Police Department and have sent 2 police reports with the case numbers listed to XXXX XXXX, Equifax and XXXX in regards to the following fraudulent and unauthorized collection/charge off account and hard inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX-Branch, XX/XX/XXXX. The collection accounts and hard inquiries are all fraudulent and do n't belong to me. I have never had an account with XXXX XXXX XXXX.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (PA)

XXXX subserviced by Flagstar Bank holds the mortgage on my home. Over the past year they have charged me over {$400.00} in late fee 's that are not legitimate. Their escrow department can not correctly calculate the money owed for taxes, so they re-calculate my monthly payment without notice, and then when the payment increase my auto pay is set for a lower amount, they hold this payment until I get a late fee. Each time I call in and they give me a dollar amount to bring the amount owed to zero and claim to remove the late fee but they do not. I have spent hours of my time on the phone with flagstar over the past year and {$400.00} because they are incompetent. They also miss the early pay savings when paying taxes and cost me {$600.00} last year. 

I have set my mortgage on auto pay since I closed on my house and have no trouble affording my payments yet XXXX / Flagstar has made the home buying experience and absolute nightmare. I have simply been paying them for what they are asking for and then they " Hold Money in Suspense '' to rack up Late Fee 's. It's no different than theft. I simply want to pay my mortgage.
Consumer complaint received 2022-04-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/22, I sent Experian a dispute regarding personal information they are furnishing that is not accurate. Experian is required by the Fair Credit Reporting Act Section 607 ( b ) [ 15 United States Code Section 1681e ( b ) ] to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in any report they furnish. It appears they are not concerned with complying with the law as they have not deleted the inaccurate information.

I have notified Experian that they are preparing consumer reports concerning me with inaccurate names and addresses, and that they were reporting an account from an alleged debt collector that I have never done business with and do not have a contract with.

Experian only has 30 days complete their investigation as stated in the Fair Credit Reporting Act Section 611 ( a ) [ 15 United States Code Section 1681i ( a ) ]. Experian did not ask for a 15 day extension, and is not notified me of them needing addition time. Therefore, Experian is in direct violation of the Fair Credit Reporting Act. I still have not received any information from Experian regarding my dispute. 

I did not give Experian permission to furnish this information in any consumer file or consumer report concerning me. 

I also requested full disclosure of the consumer file concerning me in Experian 's possession, and they have failed or refused to send me a copy as required by the Fair Credit Reporting Act Section 609 [ 15 United States Code Section 1681g ]. 

I provided Experian with a copy of my ID and a current bill showing my address.
Consumer complaint received 2023-04-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (OH)

Account was paid off in full on XX/XX/XXXX. Car was picked up at the auction by owner. After speaking with the agent who was handling my account, I was informed that my title would be returned by mail to my address on file within 30-45 days. Today is XX/XX/XXXX, I have not received my title. When I contacted the company, agents refused to give me information as to when I would receive my title, when I asked for managers I got transferred to voicemail inboxes. I paid off the balance that is owed and yet I still dont have my title returned to me.
Consumer complaint received 2022-04-05
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint Experian responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One N.A. closed my savings account, without tell the primary holder on the account and to this day has not told me whom had contacted them to do so. They are not giving me any copies of dates or all the checks that they wrote out, or where all the checks went to ( addresses ). Apparently the checks got returned to them because they didn't send them to the addresses on file. The account is still open and I had put a lock on the account back in XXXXXXXX XXXX XXXX Why won't they release this information to the primary account holder. I have contacted them XXXX times since XX/XX/XXXX now all they are saying is the account is closed, not true. 
Account # XXXX
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

Approx XX/XX/2021 my ONLY mortgage from TIAA Bank was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called TIAA to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
XXXX  details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... ..

Well obviously so! My credit score has dropped by 20 points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points.

Credit bureau tips always suggest not to close accounts. More importantly the TIAA rep ****NEVER ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO TIAA PAPERWORK NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, TIAA and XXXX  have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WI)

From XXXX through XXXX, 2020, I paid to credit card company ( Citi ) {$1300.00} toward my credit card balance and only charged {$16.00} during those XXXX months. 

Yet, my interest per month went upward {$8.00} at the end of XXXX months compared to what it was at the beginning of the XXXX months.. There is no mathematical possibility that my interest per month should not have gone done ... considerably. This is true even if Citi calculates interest based on different number of days in the calculating period. 

In XXXX, Citi calculated a 33 day billing cycle which, of course, greatly increased the interest charged. No other credit card I have has ever calculated a 33 day billing cycle. 

I contacted the company. Their rep said he would send to me, within XXXX to XXXX  days, the reasons for the company 's calculations. I never received it.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was under the impression that a deposit would be clearing into my account on XX/XX/XXXX, however it didn't until the XXXX due to the XX/XX/XXXX Holiday. During that time, there were a series of small transfers from my account to a mobile app which essentially ended up amounting to 13 overdraft fees for {$35.00}. When I called to notify them of the clerical error & to ask why my account was avalanched with 13 fees or even allowed to continue to process payments & to seek relief of the charges, they notified me that since It wasn't a banking error that they were very limited to the assistance they could offer me.

I just think this is extremely unfair, especially seeing as how my account would have been well in the positive had the initial deposit cleared in time & the excessive fees of {$450.00} had not taken place. I am a small business owner that has been what I thought was a business partner to Bank of America for over 3 years now, even opening two merchant services accounts through them for my Bar in XXXX & also establishing a line of credit with them as well & for them to treat me like this is utterly unfair & deceptive from someone I've been in business with. This is even after I expressed to them that I'm still in the process of recovering from the recent floods that hit the area.
Consumer complaint received 2021-08-09
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. (MO)

My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.
Consumer complaint received 2020-09-17
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. (FL)

I need some assistant with the following unverified accounts that are showing on my credit report : 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 I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NC)

At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with Santander Consumer. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on maternity leave without pay and could not afford it. Shortly after, about 4 months later, while still on maternity leave I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called XXXX XXXX had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Total Card, Inc. (FL)

On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. I was so embarrassed. Luckily, I had other funds on me. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payments have never been late, returned, missed, and I always pay in full. 

This is also a bad situation because I had used all the money in my bank account to make a payment. So I had no additional money at all. I had no way to put gas in my car, feed my kids, or use at all. I ended up borrowing money from family members. 

I spoke to two supervisors ( XXXX and XXXX ) and a manager XXXX who was no help at all. They said there was no way to help, call my bank, or expedite. I sent a screen shot of the posted charge as requested and they still declined to remove it. 

I am very disappointed in the way I was treated by this company and that they would leave a good customer with no money or any way to feed their family.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to get my weekly free annual credit report amd there website at annualcreditreport.com site well not let me I have contacted there company 3 times and have not heard from them
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. XXXX : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX  ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, XXXX XXXX