davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ME)

This is multi-layered problem beginning in XXXX of 2020 when I was attempting to refinance my mortgage with the same company that held my mortgage ( Nationstar/Mr. Cooper ). First, the person I was working with was not giving me accurate information and subsequently was removed from the process and I had to start over with a new person. Ultimately, the refinance did occur in XXXX, 2020 and I was satisfied with the new terms of my mortgage. However, within two months, I noticed some irregularities with my account and reconciliations. This started with notification that my escrow was short and that I needed to increase my monthly payment to account for the shortage or pay the shortage and keep my payment the same. I reached out to Mr. Cooper and started working with XXXX XXXX. XXXX looked at the account and saw two issues. First, Mr. Cooper charged me an additional " rate lock '' fee, which she paid back to me. She also noted that Mr. Cooper paid my property taxes twice, causing the apparent escrow shortfall. XXXX addressed the issue and credited by escrow with some funds and my monthly payment remained the same. 
However, I received a letter from Mr. Cooper, dated XX/XX/2020 stating that my escrow account was short and that I would need to pay more to make it whole. I also noted that when I check my account history on line after my XXXX payment there were quite a few additional entries. Bottom line for me was that my " remaining balance '' amount after my XXXX payment and my " remaining balance '' after my XXXX payment were exactly the same, meaning none of my payment went towards paying down the principal. I also found it frustrating that my escrow account could be short of funds less than two or three months in to the mortgage. If that was true, wouldn't that reflect on Mr. Cooper 's inability to properly calculate my escrow? However, when I compared to the amount I was paying for escrow to that amount with the refinance, the numbers were very similar as I expected. 
I was advised to reach out to you as this have been a series of mistakes and miscalculations ever since last XXXX. While XXXX has been very responsive, the others involved have caused me a great deal of anxiety that I should not have to experience to get proper servicing of my mortgage, particularly from the same company that was servicing my mortgage before, I am not new to them, nor are they new to me. I sent them a picture of the letter I referenced and a screen shot from my computer of the " history '' showing no credit for my XXXX payment. I can send the same to you if you want to see them. 

XXXX XXXX
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation (IL)

Albert financial services is an app that gives mobile cash advances. Been with them for a year no problems. What happened was on XX/XX/2022 I was eligible for a cash advance of {$200.00} was the advance cleared they took out {$210.00} from account on XX/XX/2022. I contacted them and they claimed that I owed money for XX/XX/XXXX and XX/XX/XXXX. Surprised to hear that because I assumed that this was already paid off and if it was not I should not be eligible for any cash advance. I mentioned this to them so they took out {$210.00} on XX/XX/XXXX and will take out {$200.00} on XX/XX/2022. My issue is I should have not be eligible for any advance until the past bill paid off period. I have never had a problem with and I feel they should refund me the {$210.00} because I should have been offered another advance if I had one already outstanding.
Consumer complaint received 2021-01-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MN)

We built a new home in XXXX in XXXX XXXX, Minnesota. During the closing process we noticed that somehow the escrow got setup for us to pay the anticipated " full '' taxes for XXXX at {$4300.00}, or {$360.00} per mortgage payment. After closing we we told to make 1 payment then call to get the taxes and escrow payment adjusted. We made our XX/XX/XXXX payment. 
To preface the main issue, in Minnesota, per MN Statute the value used to XXXX property taxes for a certain year is based on the value of the property on XX/XX/XXXX of the previous year. So for XXXX taxes the value to base those taxes on is based on the value of the property on XX/XX/XXXX. For our property the value is based off of it being a vacant lot, proposed at {$23000.00}, with a homestead exclusion of {$9200.00} for a taxable value of {$13000.00} which makes the proposed taxes for XXXX {$210.00}. 
I called M & T bank in early XX/XX/XXXX to have them correct the XXXX taxes from the {$4300.00} to the {$210.00}. They opened a case up and told me that the case would take 5-10 business days to resolve. When I called back @ XX/XX/XXXX they said the case had been closed and the taxes they had at {$4300.00} were correct. I explained the situation again and asked the to open a new case as that was not correct. They opened a new case and I sent them a document I received from XXXX County with my proposed XXXX taxes listed at {$210.00}. 
On XX/XX/XXXX I called again to find out the resolution. Once again I was told by XXXX that they had the correct amount and that the case had been closed without changing my payment. At this point I was getting extremely frustrated and asked to speak with a supervisor. I went through the same process of explaining the situation and opened another case. She told me that they can't speak directly to the " research " department handling the case. She once again told me that it would be 5-10 days. 
I called on XX/XX/XXXX again and once again was told that everything was correct in their system. I once again opened a case and also uploaded to them a letter from the XXXX County assessor, XXXX XXXX, who I had talked to about this XXXX tax issue. 
Once again I called on XX/XX/XXXX and spoke to a XXXX who informed me of the same closed case. I asked to speak with a supervisor and was told none were available but would call me back in 24-48 hours. I again opened a case and subsequently never did receive a phone call from a supervisor. 
XX/XX/XXXX, I called and spoke to a supervisor XXXX who informed me of the same closed case scenario. She though went one step further and actually called XXXX XXXX in a conference call with me. XXXX confirmed the proposed XXXX tax amount, based off of the undeveloped lot as of XX/XX/XXXX. She opened another case .... 
That is where we are at today, XX/XX/XXXX
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX about XXXX was taken from my account due to fraud and which Wells Fargo said it was handled i have papers saying it was fraud yet Im the one who got charged. I am still XXXX in the bank because they wont return it
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

SYNCB/AMEAGL Account # : XXXX Called into Syncb today, XX/XX/2021 around XXXX and spoke with XXXX XXXX customer services at XXXX. XXXX was great, he isn't the issue. 

The issue here is the above account is still being reported even though its past its 7 years on the bureaus. Furthermore, XXXX was not able to find an existing account with the above info, nor was he able to find the account with my SS number. So, I ask why still report this info? Its current! It not late. There is no money being owed. 

Please simply delete this information via XXXX and XXXX  through your online portal. 

Thank you
Consumer complaint received 2021-01-14
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. (TX)

The following accounts are fraudulent. Please delete them LOUISIANA XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : XXXX
Consumer complaint received 2021-01-14
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

I ordered a part from XXXX. They sent me some unknown part I did not order. I returned the part, paying for the shipment myself. They are refusing to refund my money after receiving the unknown part. The part was ordered using my Chase Amazon Visa XXXX card. Chase is also refusing to take the charge off my account. I am without a product and without my {$240.00}.
Consumer complaint received 2020-02-06
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. (NV)

There are student loans that needs to be removed by law as I am a XXXX XXXX   XXXX  and XXXX  XXXX XXXX XXXX Veteran. Document has been attached. Also, there are numerous of credit inquiries that I did not authorized that I did NOT approve. Please remove all of these accounts and inquiries. Thank you.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (ID)

My account with Barclays was charged off and I was trying to pay it so I could close the account. I initially called in XX/XX/2020 and was told the bill was sent to collections and they no longer had it " in house ''. They said my account was sent to XXXX collections. I then called XXXX on XXXX to try and pay the account, she said they had no record of it. I then called Barclay 's back on XXXX and tried to explain the situation and that I really just wanted to pay my bill, I was again told that she could not find my account " in house '' and that it had been sent to XXXX. I was told that someone from Barclay 's would contact me within 7 days-that never happened. 
On XXXX I had a conference call with Barclay 's and XXXX because after multiple calls no one at Barclays would give me my balance or seem to know where my account was. Barclays confirmed I had a past due amount of {$1800.00} that was verified by XXXX. I overnighted a check for {$1800.00}, which was cashed on XXXX. I then called to get a satisfaction of debt letter from Barclays and was told I still owed XXXX. I asked if they could charge off the small amount because I was told by XXXX on XXXX that I owed {$1800.00}. They said no. I then sent them a check for XXXX that they received on XXXX verified by the USPS. I called XXXX on XXXX and XXXX and no one there can find the check for XXXX even though it was certified, nor will they write off the XXXX cents. I asked them to please obtain the recorded conference call from XXXX and was told they would work on it but it could take some time. I asked them to please send me a satisfaction of debt letter and was told they could not as long as I still owed XXXX cents and when I tried to explain I paid it and they signed for receipt of it, I was told I would have to track the check through my bank. Please help me, I don't know what else I can do to get the debt paid and satisfied. I feel like I am being bullied and my account held hostage over XXXX cents I do not have a recent statement, so I will enclose an old one for informational purposes.
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Park Hill Holdings (IL)

FACT : Im submitting this complaint myself and there is no third party involved. CORELOGIC D/B/A SAFERENT has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. 

They are reporting an eviction on my credit when there is no public record to be found. SAFERENT claimed to do a reinvestigation dated XX/XX/XXXX but I have had my consumer report ran through several consumer reporting agencies dated XX/XX/XXXX and XX/XX/XXXX and they all confirm that there is no judgement or public record attached to XXXX XXXX ( Exhibit A & B ). 

In fact, XXXX, one of the consumer reporting agencies attached in my evidence used BOTH CORELOGIC and SAFERENT to validate MY consumer file which stated NO EVICTION OR PUBLIC RECORD FOUND, dating back to XX/XX/XXXX ( exhibit B third page ). 

They have clearly been violating my consumer rights for years, and continuously, knowingly, willingly. This has harmed my entire life and I am forced to hold SAFERENT AND CORELOGIC accountable and enforce the consumer protection Laws.
Consumer complaint received 2021-09-03
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-02-06
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. (WI)

In XXXX XXXX I received a notification from XXXX XXXX that there were two new Hard Inquires on my credit. I logged in to XXXX XXXX and immediately realized that both of these inquiries were completed on XXXX  and were fraudulent. I initially contacted the creditors who were XXXX XXXX XXXX XXXX XXXX XXXX   and advised these were fraud. They both advised these were credit card applications completed online and they were flagged in there system and no accounts were opened. I then proceeded to freeze my credit on all 3 credit bureau and file a police report. These inquiries were only showing on my Equifax credit report. I sent multiple letters to Equifax to remove these as they were fraudulent and attached the police report. I then had to call Equifax and advise them to remove. They ended up finally removing on inquiry ( XXXX XXXX XXXX  ). Over the next 9 months I sent mutiple letters and placed multiple calls to Equifax and they would advise they would remove. They always sent the same investigation results that don't make any sense and they don't remove the XXXX XXXX  inquiry. I have included a rough timeline of events below.

XXXXTwo fraudulent hard inquiries XX/XX/XXXXBoth creditors contacted and advised fraud and credit locked on all 3 bureaus. 
XX/XX/XXXXPolice report filedXX/XX/-Called Equifax and they advised they would remove these XXXXMailed a complaint and police report to Equifax to remove as fraud -A couple more calls over the span of a few months XXXXMailed another complaint to remove the one inquiry that isn't removed -Called made to Eqifax where they advised they would remove this inquiry XXXXMailed another complaint to remove the one inquiry that isn't removed XX/XX/XXXX-Called Equifax to remove inquiry again and they advised they would As of today this fraudulent Inquiry is still on my Equifax credit report.
Consumer complaint received 2021-09-03
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: Credit Plus Inc (FL)

I recently checked my consumer report and noticed there was an inquiry from credit plus a company I never gave authorization to or known of.The date of the inquiry was on XX/XX/2021 I sent credit plus a demand letter stating that they were in violation of the fair credit reporting act and they sent me back a letter stating that they got my information from another company without my authorization which is Fraud Pursuant To the fair credit reporting act. I have attached files supporting my claim 15 USC 1681B-permissible purpose of consumer report 15 USC 1681M ( f ) -Requirements on users of consumer reports 15 USC 1681N ( 1 ) ( B ) -Civil liability for willful noncompliance 15 USC 1692B ( 5 ) -Acquisition of location information 15 USC 1692C ( 3 ) -Communication and connection with debt collection 15 USC 1692J-Furnishing certain deceptive forms
Consumer complaint received 2021-01-14
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. (NY)

I was denied a credit card that I applied for today, by XXXX. The bank claimed history of my report is delinquent and there there were too many inquiries in the last year. this was a result of my frozen accounts.
Consumer complaint received 2021-01-14
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: R.M. Galicia, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it
Consumer complaint received 2021-09-03
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I have a credit card with Citibank Citi Cash Card. 
Citi bank made a mistake on their billing. 
They charged me twice for the same debt. 
I called them and they insisted there were no errors. 
This has been going on for 4 months, they did not send me any information about my dispute.These people still owe me {$1800.00}. 
I have not received any information with details of my real debits, the last statement dated XXXX XXXX a balance of {$2000.00}, according to my bank statement {$1800.00} was entered twice.
Consumer complaint received 2021-09-03
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. (OR)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

On XX/XX/XXXX, The Money Source processed a mortgage payment from me. On XX/XX/XXXX, The Money Source sold my loan to XXXX XXXX. The Money Source is required to forward those funds to the new servicer within 60 days. They have not. I called and spoke with both XXXX XXXX and TMS about this issue a few weeks ago to better understand what the delay was, and when the payment would be credited to my new account with XXXX XXXX. The Money Source assured me it would be done by XX/XX/XXXX. It has not been sent. I have followed up with The Money Source by email and am waiting to hear back. During this time, XXXX XXXX has required an extra payment to keep my account " current. '' The amount that TMS owes is {$3600.00}. In the meantime, I have had to make the " extra '' payment of {$1600.00} to keep my account with XXXX XXXX current.
Consumer complaint received 2021-03-12
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. (CO)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXXXXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have had some occurrences of identity theft that has occurred on my credit report. On XX/XX/2021 I wrote a letter advising the credit bureau that there is inaccurate information reporting on my credit report as a result of theft of my information. It has been well over 30 days and this inaccurate information continues to report. 

Attached to this complaint is a copy of the original letter submitted and my identity theft affidavit for your review.
Consumer complaint received 2021-09-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (TX)

On XXXX I applied for a personal loan with SoFi to consolidate my debt and also provide funds for an unexpected veterinary bill. I applied with SoFi because they had an offer to get .50 % taken off your APR if you set up autopay and use 50 % of the loan for credit card debt. I hard pull on my credit was done. I was approved and started setting up the transfer to my credit cards, to find out that not all cards are supported, meaning I would not get the APR I was told I would receive because the transfer balance was less than 50 % of the total loan.

The fact that not all credit card types are supported is not listed on their site anywhere ( which I confirmed with their customer service ). The hard pull that was preformed on my credit will lower my credit score, and could prevent me from getting a loan with a better APR.