davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

Over multiple instances with mutlpile months Amerihome mortgage company has taken double the payments from me. They have reversed each payment however now in XXXX they say I didn't pay them in all still again taking a payment twice in the same month. Now my mortgage payment is 34 days over due effectively messing with my credit score which is when is starts becoming a bigger deal. I was on hold with there company just for them to tell me they sent me a check that I never received. The supervisor refused to speak to me and just the the original person talk to me while he spoke to her in the background. I was upset or angry I was just trying to be professional about this whole situation. They told me they would fix the issue remove the latest fees but it would take a couple weeks. This company just doesn't seem to understand their own system or the way or works and just has me sitting on hold forever. For them to do this not once but three times is just unacceptable and them to never answer to the phone or just have some.kinda answer just shows there professionalism I'm honestly not sure I want to even be part of a company that doesn't even understand it's owns customers or systems or show the slightest concern for the issue. This company has shown me they really couldn't care less about the consumer.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I have had a credit card with Discover for several years and for the most part have made the monthly payments with the same savings account until sometime in XXXX or XXXX of 2017, I called in the payment received my confirmation #, the following month I again called in a payment only to be told that I missed the last payment, so again I gave them permission to submit the payment to my acct and received a confirmation number only to find out the next month that again the payment was declined by my bank due to Discover not submitted the information accurately, turns out that one of their employees made an inputting error which was just allowed to continue with no attempt on their end to find out why 1 month the payment goes thru and the next it is declined given that both attempts were made using the same saving acct and routing number. This is unacceptable and I have done everything they asked me to do including calling Discover to have Discover make a 3 way call with me bank to verify the account number routing number are accurate as well as there are sufficient funds available to process the payment and somehow they still found a way to make the same mistake again, the level of incompetence on their part is not acceptable and this matter needs to be handles asap. I have asked that any and all correspondence by made via e-mail for my protecting given that everything they have told me has turned out to be 1/2 truth or an outright lie, they declined my request, so as far as i am concerned I have done everything they asked me to do and in return they have done nothing they said they would do, This is by far and away the worse company I have every come in contact with, i blows my mind to thing that such a large company has such poor training and customer service. I have another credit card with another company and they seem to be able to process the payments just fine. they need to take responsibility for their mistakes and do want ever is needed to make things right.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have disputed this account with Experian several times and they are still reporting inaccurate information. 
I called XXXX XXXX today and spoke with a customer service representative by the name of XXXX and she does not show any delinquent information in the system with my name or my social security number or any account I have had with them in the past. She also stated that there were not any note in their system showing any contact from a representative with Experian. 
Experian is not doing a proper investigation of this account. The phone number that I called is XXXX. Experian has the account listed but no phone number provided I have old dispute results from Experian that shows those accounts were deleted in the past but now they are showing again with different account numbers but no verification information.
Consumer complaint received 2024-05-02
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: Bread Financial Holdings, Inc. (GA)

I have disputed several accounts with XXXX, most of the accounts stem from the Comenity Creditor. A lot of these accounts were charged off and paid via XXXX XXXX XXXX. I have disputed them several times with XXXX and their updates yield no results after their investigation. They say that they have updated the accounts, but there is actually no exchange, except maybe the wording that says I disputed it. These accounts say there are closed and written off, when they are in fact paid in full or settled. Also, some have payment amounts that appear to be inaccurate.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NJ)

When my XX/XX/22 mortgage did not get deducted from my bank account I called my mortgage company. They told me my loan was sold to SN Servicing Corp. I did not receive a statement from the new company or a way to set up auto payments. Instead I received a debt collection letter. When I tried to call the new company at the number provided XXXX I kept getting disconnected. It is a disgrace that a transfer of mortgage is handled so poorly. I need a way to set up payment. This company should be shut down for their incompetence which could impact my credit.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

unknown and inaccurate information on my chex sytstems reports dating back from XX/XX/XXXX to XXXX that are reporting judgement 's against me from opening bank accounts and getting loans from financial institutions.False accusations that i have no knowledge or consent.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: KEYCORP (CT)

Long story short, a tenant security account was opened at XXXX XXXX. The bank changed hands a couple of times and now no one can find my account. 
Details : On XX/XX/XXXX, I opened a tenant security account at XXXX XXXX  and deposited {$850.00}. In the meantime XXXX XXXX was bought out by XXXX XXXX on or about XX/XX/XXXX. They were then bought out by Key Corp on or about XX/XX/XXXX. 

In XXXX my tenant moved and I tried to retrieve their security deposit only to be told by Key Bank that they had no record of my account. They suggested that I contact the CT Dept of Treasury Unclaimed Property Division. I did, and they have no unclaimed funds in my name. I had to pay the tenants out of my pocket and figure out who to make a complaint to. 

I don't know how or when my account was lost, only that I'm due {$850.00} plus interest from XXXX. I still have my account pass book showing my deposit. My account is # XXXX. My name XXXX XXXX and my mother 's name XXXX XXXX are on the account. ( My mother would handle my affairs when I was deployed with the XXXX ).
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

There is not an opportunity online or on the statement to make a payment toward a promotion. On XX/XX/XXXX, I made a purchase from XXXX for {$1300.00}. On XX/XX/XXXX, I made a payment of {$1300.00} to PayPal credit for what I thought was toward that promotional balance. On each promotional credit, it states " A minimum payment applies to this purchase. This is included in your monthly minimum payment due. '' I noticed on the statement of XX/XX/XXXX, that I was charged this month interest for that purchase. The statement reflects that the payment did not in fact go toward the promotion. Instead, according to XXXX a XXXX in customer service, any payment made is applied toward a hierarchy. I called on XX/XX/XXXX to have the interest on that promotional purchase reversed. Since I did not know it was not applied. Obviously I would not know until the interest was applied. She said that I should have called within 60 days after I made the payment in XXXX. HOW WOULD I HAVE KNOWN? There is no where on the statement or on the website to pay any promotional balance directly or to apply a portion of your payment toward a promotional balance. According to XXXX, the representative I spoke to before XXXX, he said I would have had to written a note indicating that I wanted to apply the payment of {$1300.00} toward that promotion or I would need to call in. I feel this is an unfair practice. It is not explicitly stated that those are the steps a consumer needs to take in order to have a payment applied toward a promotional balance. I have several promotional balances, I am most interested in that one because it was an intentional payment.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

We requested to Green Tree Servicing to terminate PMI on our mortgage on XXXX XXXX because we have paid over 70 % out of the principle and PMI should be terminated immediately. The customer service told us that we have to do appraisal and we have to responsible cost of that to process any further on PMI request. As we do research the PMI should be automatically terminated after you paid over 22 % of the principle. Green Tree Servicing is trying to keep us paying on PMI which is technically illegal and they refuse on the process if we do n't do and pay for the appraisal first.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Mercedes Benz Financial Services (CA)

To Whom It May Concern, I am writing to file a formal complaint against Mercedes-Benz of XXXX  and Mercedes Financial regarding an egregious case of XXXX  and XXXX discrimination that I have experienced in relation to a vehicle lease. My name is XXXX XXXX, and I am deeply troubled by the unethical and discriminatory practices employed by these companies. 
On XX/XX/2023, I visited Mercedes-Benz of XXXX  and XXXX with XXXX XXXX to address my dissatisfaction with the terms of my lease for a 2023 XXXX XXXX. XXXX XXXX assured me that I could transition into another vehicle, specifically a XXXX C-Class, with lower monthly payments and without any penalties associated with terminating the current lease agreement. Encouraged by this offer, I agreed to proceed with the transaction, making a deposit of {$5000.00}. 
However, on XX/XX/2023, when I accessed the Mercedes XXXX XXXX to make a payment on the newly leased vehicle, I discovered that the XXXX  XXXX was still listed under my account, indicating that the promised termination of the lease had not occurred as agreed. This discrepancy immediately raised suspicions of foul play and led me to believe that I was being racially targeted and subjected to bait-and-switch tactics. 
Subsequently, on XX/XX/2023, I received a late payment notice for the XXXX  XXXX, which had a detrimental impact on my credit score due to the reporting to credit bureaus. Upon contacting Mercedes Financial on XX/XX/2023, I was informed that the XXXX  XXXX was still in their possession, despite the transaction allegedly being completed on XX/XX/2023. Shockingly, I was told that I could not retrieve the vehicle, implying that it had been sold off without my consent or knowledge. 
It is abundantly clear that I have been victimized by the deceptive and discriminatory practices of Mercedes-Benz of XXXX and Mercedes Financial . Their actions not only constitute a breach of trust and contract but also reflect a deeply ingrained culture of XXXX XXXX  and exploitation within their business operations. 
I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Mercedes-Benz of XXXX and Mercedes Financial to ensure accountability for their reprehensible conduct. Additionally, I seek restitution for the financial losses incurred as a result of their actions, as well as measures to rectify the damage to my credit history. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to safeguarding consumers from such injustices. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-09-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Bureaus are not reporting accounts I am on personally and also as an Authorized user. 

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  This has caused my credit score to drop 81 points which is not fair to me or my family. 
I have contacted the merchants and they say that they have been reporting to the bureaus and my reports with them are 100 % on time.
Consumer complaint received 2018-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened two lines of credit with Capital One in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted Capital One to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The information shown on my consumer credit report is inaccurate and unverified. My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Nature of the Complaint : Refund / Exchange Issues Consumers Original Complaint : After speaking with XXXX the facility manager and canceling my unit. I am still being charged automatically on my card for the past XXXX months. I never moved my items in the unit. It is a XXXX unit. ( I'm sure your records will reveal the unit was never entered and or activated for usage. ) As I was ill and did not get to move items as needed with movers. I want to request a refund for the unit. Also please STOP the continued billing. 
I would really appreciate your assistance in terminating this continued billing once and for all. 
XXXX XXXX XXXX : Refund ; I would like to be refunded for the monies in which I did not utilized the unit.
Consumer complaint received 2019-03-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/2018 our home had a fire that completely destroyed home XXXX  one of our pets. Our insurance company immediately paid for the loss and our problems started with the Mortgage insurance property loss company ( a third Party payer ) XXXX XXXX XXXX XXXX, received the funds and have been refusing to release the funds to make the necessary repairs to our home. 

For 11 months it has been a constant struggle to get XXXX XXXX to Release fund even though we repeatedly would provide them with releases that work was done. We have spent all the funds that have been dispersed so far and an additional XXXX XXXX dollars of our own money and the contractor has spent {$35000.00} of his own money to keep this project on tract. 

Our insurance company is no longer going to pay for our alternative living after XX/XX/XXXX, this month. We have been telling XXXX XXXX that we needed the funds or we would be XXXX. They refused to release any funds and to top it off now Seterus the mortgage company was acquired by Mr. Copper and they are telling us that it could be 60 days before our claim is loaded in their system. We do  not have any more time. In 24 days we will be XXXX but will need to continue to pay our mortgage or lose our home.
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Michael Harrison, Attorney at Law (NC)

This company has contacted me about a debt and I have attempted to contact them via email and phone as their letter states for more information ( debt validation ) and they do not respond. When I call, it says to email them. They dont respond. Now they have sent a letter threatening to sue me after they refuse to send me the information I requested.
Consumer complaint received 2020-09-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I opened a Prime Equity account with Wells Fargo many years ago.

In the past I have made payments to pay down the princpal on the loan.

In the past when I received my new statment it would show on the first page = Total Amount Due = which relfected the amount of interest I now needed to pay due to the reduced principal amount. 
In XXXX of 2020 ... I made a {$10000.00} payment on the principal. 
My XX/XX/2020 statement from Wells Fargo stated the Total Amount due was = to {$0.00}. 
I called Wells Fargo, to ask why the new interest payment was not reflected in the Total Amount Due. They advised - it was due to the large payment I made in XXXX, and the timing of the payment, thus no payment was due. 
My XXXX statement also showed Total Amount Due = {$0.00}. 
I call Wells FArgo, they advised it was due to the large payment made in XXXX. 
I requested to speak with their Executive Office. Their Executive Office advised that the interest accrued was displayed on other pages in the statement. 
I told them I found this new, very confusing, and almost seemed to not show me how much interest was now due ... .even though it was still accruing.

Basically, they advised this is what they are NOW doing..

Thus, I am bringing it to your attention..

Please research and advise if this is legal. 
Thank you, XXXX XXXX
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (CA)

I am requesting for late payments from XX/XX/2020 and XX/XX/2020 be removed from American Honda Finance on my credit report. My household was greatly affected and experienced financial hardship from COVID-19. I contacted American Honda Finance in advance to make them aware of my situation twice and I was advised that there was no assistance available ( ie. reduced payments, deferred payments, etc. ). 

Additionally, I requested for removal of the late payments and my request was denied.