davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Follow up to my complaint XXXX. I still do not have proof that the returned monies from XXXX XXXX, MD have been credited to my escrow account. I need written proof that these monies have been returned to my account. New complaint : I have XXXX escrow analysis, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, none of which are correct. They all have incorrect information on them stemming from the original problem.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I refinanced my home on XX/XX/2020. The estimated refund of the escrow account for this payoff of the mortgage was {$1800.00}. I carried this mortgage for five years and all payments were made via ACH and on time. I called the mortgage service company ( Specialized Loan Servicing LLC ( SLS ) on or about XX/XX/20 asking for the status of this refund of the escrow balance. I was told, no the refund could not be made to me by ACH, all such refunds go by check. My check should go out by XX/XX/XXXX or surelyXX/XX/20, at the latest. I called SLS on XX/XX/20 to complain I still had yet to receive this refund. I was told a check was scheduled to go to me XX/XX/20. Why such a delay of over three weeks? If and when I get this mailed payment, my local bank, XXXX, will impose it's own hold on these funds for additional days as this payment clears the bank system. It will be close to 30 days before I see these funds which were " good cash '' on closing, XX/XX/20. 
SLS sent me a letter dated XX/XX/20 with a copy attached notifying me their lien on my property for " released or satisfaction of mortgage '' and that public filing was dated XX/XX/20. Since when do court filings now beat check payments by mail no less? 
Ten days later I still don't have the refund of the {$1800.00} escrow balance. 
Obviously, we all know the value of money and who holds the cash. SLS 's inordinate and criminal holding of these funds should be investigated as an abuse of consumer rights. If I was to be late in a mortgage payment their rules allow they charge consumers a minimum " late '' fee of $ XXXX {$35.00}. Is there no such late fee when the likes of SLS holds my escrow funds for 30 days after the close of a mortgage loan?
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I have written to Equifax several times pointing that there reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information. See attached excerpt from the credit report.
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

USAA returns the Vehicle Title to the borrower after payoff via First Class mail through the USPS. No other method of shipment is offered to the borrower, even for a fee. If the title is lost, it's not possible to track it and the replacement of the title will fall to the borrower, even though the lender can not prove that they mailed the title.

One customer service representative at USAA quoted by phone a rate of at least 1 title per week being lost in the USPS mail as of XX/XX/18, in her personal experience. That's at least 52 members who are forced to obtain a duplicate title on their own time and money. Since USAA claims to care so much about their members, how in this day and age are they sending borrowers legal documents by USPS? Perhaps because if it is lost, it is of no concern or expense to them.
Consumer complaint received 2020-05-11
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. (CA)

THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (CA)

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
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc. (CA)

I received a bill from a debt collector for a bill for XXXX XXXX XXXX hospital in the amount of {$100.00} and which had interest of {$15.00} added on from the debt collector CBB ( California Business Bureau Inc ). There is no bill due to XXXX XXXX Hospital because it was paid over 3yrs ago. CBB is threatening negative credit reporting if I don't pay them. I am not paying them money I don't owe.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Applied Data Finance, LLC (AL)

There is a address listed that is not correct. XXXX XXXX XXXX  XXXX XXXX  XXXX, New York XXXX is not an address i have lived at. I have lived in XXXX  for XXXX  years. I am XXXX there is a club activity that i have not joined. Was made by applied data finance on XX/XX/19 i did not authorize.
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (OK)

Received another letter from XXXX XXXX, XXXX dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my PayPal account. I do NOT have a PayPal account. I have received previous letters in XXXX and contacted PayPal to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.
Consumer complaint received 2020-07-19
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: EQUIFAX, INC. (FL)

I have been reaching out to Equifax on countless occasions to allow me access to log into my Equifax account unsuccessfully. Every time I call I am being told to give it 24hrs. The following day of not having access, I call back to having the next representative telling me the same thing. It has now been a week going back and fourth with no resolution. I would like to see what has been changed from my XXXX  account from my credit monitoring alert I have received.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank handles the credit cards for XXXX XXXX Stores. I have not been receiving mail in a timely manner, and I did not receive my XXXX XXXX bill. When I receive my next bill, I had incurred a late charge of {$35.00}. I called Comenity Bank and asked them to remove this late charge because of these circumstances. She agreed to remove this charge and I agreed to pay the account in full. 
I received this bill on XX/XX/2021, and I saw that the bill was due on XX/XX/XXXX. I asked if my payment would arrive on time if I sent it in for XXXX Online Bill Pay to pay it on XX/XX/XXXX. We agreed that this was agreeable, and I asked her to notate my file that I would be closing the account and sending in the payment on that day. On XX/XX/XXXX, I received the attached bill, which I didn't understand ( and I still don't ). When I called to ask about it, I was told by the customer service representative that my balance is {$29.00} : she said my bill is paid, but I still owe {$29.00} due to a late fee because my payment was not processed by Comenity Bank until XX/XX/XXXX, and it was due on XX/XX/XXXX. I was further told that if Comenity Bank did not receive this late fee payment by XX/XX/XXXX, I would have incurred another late fee of {$29.00}. I think I would be given a better deal by the XXXX 
My complaint is that Comenity Bank did not honor their agreement to accept my final payment which I told them would be sent on XX/XX/XXXX, Comenity Bank charged me a late fee when I should have a XXXX balance, and Comenity Bank wants to charge a late for a late fee. Isn't that illegal, or is it only immoral?
Consumer complaint received 2022-09-12
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. (IL)

The credit report shows two XXXX XXXX accounts with late payments for the last 36 months, whereas I made all payments on time and agreed with XXXX XXXX. 

The credit report also shows a XXXX XXXX account with late payments for the last 36 months, whereas I made all payments on time and as agreed with XXXX XXXX.
Consumer complaint received 2022-04-02
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/2020, I contacted PHH Mortgage to ask why the check I had mailed in on XX/XX/2020 had not been cashed yet. A payment of {$520.00} was mailed in along with remaining assumption documents. PHH had mailed out a letter dated XX/XX/2020 requesting four ( 4 ) documents : signed and notarized assumption agreements recorded quit claim deed copy homeowner 's insurance 2 recent paystubs As well as a check for the remaining balance of {$520.00}. 
Documents were returned in the pre-paid envelope on XX/XX/2020. On XX/XX/2020 I was notified that the assumption had been approved. Subsequent phone calls confirmed I was the only account holder yet my most recent statement showed the balance for the loan assumption. I immediately called PHH and asked why the payment had not been processed. I gave the check number ; they verified that it had not been cashed yet and stated they would be starting an investigation of where the check was. I was advised to wait a week before calling back. 
I called today and was told that I needed to send a picture of the check. I again had to explain that I did not have the check, nor had it been cashed ... I was looking into where the check was, as the paperwork that accompanied the check had been processed, which meant the check had also been received. I asked why I was not notified of their request ( for a copy that I don't have ). I again asked for an investigation of where this check was, as it was with the paperwork that had already been approved. 
PHH has consistently shown me that they do not follow through with communication. When first applying for an assumption, I called for an unrelated issue six weeks later and was informed that they were requesting additional documents ... the note had been in their system five weeks prior and I was never notified, it was confirmed that a letter had never been sent to me, although this is standard procedure. It was not until I was referred to an escalation specialist that any investigation was done into my application.

I have again been referred to an escalation specialist because no one can tell me where the check is.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

I was approved for an XXXX XXXX XXXX credit card on XX/XX/XXXX. On that day I made the one and only purchase in the amount of approximately {$180.00}. On XX/XX/XXXX I made a payment in the amount of {$90.00} by check # XXXX. On XX/XX/XXXX I paid the balance in full of {$130.00} by debit card payment. This amount included a late fee of {$38.00}. This was to pay my account off and I also requested to close the account. I then received a statement for an additional late fee. I spoke to XXXX in XXXX and she informed me because the payment in full was late by 3 days, I was responsible for that late fee. I informed her that I had paid the account in full and requested to close the account. The account, to this date, has not been closed out and now I am being billed {$330.00} in late fees and interest charges. I have not been able to get this issue resolved with Comenity Capitol Bank. They have also reported negatively on my credit report. I am asking for some assistance in resolving this issue. I do not feel I should be responsible for the amount they are charging me. Any assistance would be greatly appreciated.
Consumer complaint received 2020-05-01
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. (AL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$60000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} 09 XXXX XXXX Opened XX/XX/XXXX XXXX
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (AZ)

I requested a validation of debt from XXXX XXXX  and the failed to comply with my request. 
Experian failed to verified the debt in a timely manner, they did not furnished me with the process on how they investigated, the name of the person that verify the debt. The collection agency also failed to provide that they own the account any contracts or receipts with my signature
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Centralized Business Solutions Company (OH)

According to XXXX, I owe {$78.00} to Centralized Business Solutions. This payment was confirmed ( both by my attorney and the Collector ) that that account was flagged under my Chapter XXXX. 

The account still shows as open and derogatory on my XXXX credit report. According to the collector, I must report this to have it corrected on my credit report. 

Please evaluate and correct this. Below is information that will aid in your investigation : My Name : XXXX XXXX XXXX My Contact Number : XXXX My Attorney Name : XXXX XXXX My Attorney Phone Number : XXXX Collector : Centralized Business ( on behalf of XXXX XXXX ) Collector Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX Collector phone number : XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Balance details Paid off - Balance - Balance updated - Original balance {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/year> Account type Secured Loan
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had three credit cards with Capital One going back to XX/XX/XXXX in various credit limits : {$300.00} business Visa, {$1200.00} Visa and {$2200.00} Mastercard. In XX/XX/XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XX/XX/XXXX and XX/XX/XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from VISA about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. Executive Response employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XX/XX/XXXX-only to find the fake Capital One charge off back on my credit report. The statue of limitations in Louisiana for collecting is three years. XXXX is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries,  that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for XXXX puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off XXXX was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX  ; the Capital One alleged debt appears on XXXX again along with a debt collector XXXX XXXX with fake address and phone number ). Capital One did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX VA account.
Consumer complaint received 2020-05-01
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. (TX)

I am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.