davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hand multiple mortgage inquiries showing in my credit reports which I did nt authorized.Kindly delete as it is my score XXXX XXXX-multiple XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-12
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: Freedom Mortgage Company (SD)

This summer, the XXXX payment of around {$800.00} dollars on an approximately {$38000.00} mortgage was apparently late because the property management company had a glitch in their system and I was unaware it was going to be late. No one from Freedom notified me one bit. 

1. Although Freedom repeatedly asks me for multiple phone numbers, they did n't call either the second or third ones when a payment glitch occurred and a payment was being received late. I now have relatively trashed credit ( XXXX to XXXX and now to XXXX ) due to this failure of Freedom Mortgage to either contact me or remove the bad mark from my credit. My unfixed credit bad mark is the main complaint here. A tiny little loan balance, a failure to notify me properly, and my credit is totally trashed by Freedom Mortgage. 

2. Second problem is : I also asked for a clear emailed reponse to the inquiry and never got one. 

3. Third problem is that Freedom Mortgage sends me junk mail solicitations and I 've asked more than once for them not to do so. Just got another letter soliciting a second mortgage from me today. 

I do not trust this company at all. I have had three ( 3 ) mortgages with perfect records for many years. The company has standard hold times of 9-10 minutes, today again. They do not care about me as a great customer with multiple mortgages with them. I 'm shocked to be treated with this kind of disrespect as to both not call me at the numbers and then subsequently to not help fix the issue or accept any responsibility for it. Freedom Mortgage is the worst of the worst companies I 've dealt with as a person who has had many mortgages on homes, both primary and rental properties. 

Ask yourself if you want to have a mortgage company who takes all your information so they can use that information to contact you if there 's a problem ... of course you do. Freedom Mortgage wants all this information from you so they can solicit you to the max. That 's why they want three phone numbers of yours. Freedom Mortgage 's high level managers and/or board ought to be embarrassed at this style of business. 

The attached paperwork to this complaint confirms even their own employee ( s ) agree with the wrongdoing that has been done here. Unfortunately they are only the " heat shield '' good people that do n't make the greedy policies clearly evidenced by this situation. 

Good luck with asking for information ... this company has you " talk to the hand '' as much as any that ever existed. Go with a mortgage company who cares about you and your situation. Business is a two-way street of respect. Avoid Freedom Mortgage on your next loan purchase or refinance. I 've given up after Freedom Mortages standard " 10 min average wait times ''. I 've called about 5-8 times and done by best.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (LA)

On XX/XX/2020 my husband and I sent {$650.00} to a woman who claimed to have a XXXX kitten for sale. She has an entire webpage and claims to be a breeder of 12 plus years with Marvelous XXXX Kittens. I reached out to her via email to ask about the kitten. She was very prompt and knowledgeable in her responses. Ultimately, after receiving pictures and having all of our questions answered, and feeling comfortable with her, we decided to purchase the kitten, and he was to be shipped to us. We were told to use Zelle for a payment method. I had never heard of this, however, we bank with XXXX and the Zelle option is in their app, which seemed legit. The transaction was made. The next day I received another email from her stating all arrangements had been made and the pet carrier would contact me with delivery. I received an email from someone claiming to be with XXXX XXXX XXXX, stating they had my kitten and were getting ready to fly him from Arkansas but before they proceeded they needed me to purchase an air conditioned pet crate. Options to rent/and or buy one were given in the email. The crates were upwards of {$1000.00}! The email stated that after delivery 98 % of my money would be refunded. This sounded incredibly weird to me and I told the lady that I wasnt comfortable with this and that this wasnt disclosed beforehand ; I had already paid {$650.00}, {$100.00} of which was to pay for shipping. She told me this was the carriers decision and there was nothing she could do. I told her then to please refund my money because I wasnt comfortable with what was going on. She never responded. I sent several emails and she has yet to respond to any of them. Obviously, my husband and I were dealing with a scammer. We filed a complaint with XXXX, because thats what Zelle said to do, that they werent responsible. Our bank got back with us and told us pretty much there was nothing they could do because the payment was made through Zelle, a money transfer service that they back! This is absolutely ridiculous! We got scammed and want our money back and nobody is responsible?! After doing some research, thousands of people are complaining of the same thing when it comes to Zelle, that they claim they arent responsible. How many more people have to come forward and tell about how they are being scammed and Zelle AND their banks are turning a blind eye, before a lawsuit is filed? I am so upset at all of this. I have every single email correspondence, the Zelle transaction and everything. The bank nor Zelle even want it! I have the proof! I even have pictures of the fake website she has created. How many others are there? I just want my money back. My husband and I have XXXX kids and this just isnt right. I need to know what my next step is because Im not letting this go. Its not chump change. Its {$650.00}! Someone has to do something.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (WI)

I have repeatedly set up my account for autopay, gotten confirmation that the account is properly set up, and then the payment does n't process. The website is clunky, and while customer service has generally been helpful, my account has now been closed. I 've submitted an official request for appeal, and received a letter that failed to directly respond to my request. Once again, my monthly autopay did not deduct, and this affects my credit score.
Consumer complaint received 2016-02-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo continuing it 's racist XXXX discriminatory erroneous racist conduct reporting me delinquent on my mortgage payment to the credit bureaus ( credit report attached ). Fully knowing that I have a toxic neg amortization pick a payment loan that has a minimum of XXXX payment options on it : Minimum, Regular, or 15 year. They also have changed the account number on the same account, and am reporting me delinquent for XXXX separate accounts which really are the same account with a higher erroneous account balance!!! I have also requested that I be provided a copy of the mortgage Note, payoff quote, and verification of mortgage, and a itemized breakdown of my payment options on the toxic neg amortization pick a payment loan, and have gotten No documentation, or communication from them regarding my requests. Racism continuing to spew it ugly head like the high school girls in XXXX, Arizona!!! I 'm getting tired of filing complaint after complaint on their obvious overt XXXX XXXX blatant XXXX discrimination business practices, in addition to their hate crimes, and harassment.
Consumer complaint received 2016-02-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDICO. INC (SD)

My ex-wife by court order is required to pay the debt. The XXXX XXXX XXXX is trying to collect from me. Also, the only person that XXXX XXXX attacks with lawsuits is my and never my ex-wife. I feel that I am being attacked and being harassed by this company. I have expressed to them and provided proof of the court order to XXXX XXXX XXXX. In addition I have asked them to not contact me at my place of employment and they continue to call me at my office.
Consumer complaint received 2021-03-23
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)

One numerous attempts I have sought explanation from XXXX about an amount owed. They never told me how they arrived at the amount only that I owed it. I spoke with someone in the recovery dept who told me that there were charges to be found to qualify the amount due. Fast forward to XX/XX/XXXX, I received a 1099c from XXXX cancelling my debt for the amount of {$1100.00} on XXXX XXXX. I submitted this document to XXXX  as well as Experian. When Experian reached out to XXXX / XXXX, they acknowledged the form but have continued to report this amount as a charge off and amount due. If they cancelled the debt in XXXX of XXXX, how is it that they can continue to report this as a charge off and report it to the bureau?!
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

My complaint is about the charge back process, which favors merchants and does not provide enough protection against fraud. 

In XX/XX/XXXX, I rented a car and was charged a {$200.00} security deposit, which went on my credit card. By XX/XX/XXXX, the funds had not been refunded to my card, but there was no reason for the merchant ( the car rental company ) to keep my deposit. Attempts to contact the merchant were unsuccessful, so I issued a chargeback with my credit card company ( Citicard ). The merchant disputed the chargeback in a salacious manner, accusing me of trying to steal from them. I contacted my credit card company again, and they told me that I had to provide a valid credit slip from the merchant in order for the credit to be issued. This is problematic, as the reason I disputed the charge in the first place was because I could not contact the merchant to get an answer! I requested a " valid credit slip '' from the merchant three times, and each time was provided something that the credit card company would not accept. As a consumer, I was unfamiliar with what a " valid credit slip '' was and I had no way to force the merchant to provide me the correct documentation. After all, they already had my money. By the time they finally provided the correct documentation, too much time had passed in the chargeback process for them to intervene anymore. I now believe that the delay tactics were intentional by the merchant so that the chargeback would be unsuccessful and they could keep my funds. 

My complaint is that the chargeback process is set up to favor merchants, not consumers. I use my credit card because I believed it offered certain protections, but I do n't feel like those protections served me here. I was told by the credit card company that, per chargeback rules set by XXXX, after the dispute is made, ANY response from the merchant means the issue is sided in their favor. Even after I provided ample documentation proving I was due the funds ( including a signed letter from the company ), they were unwilling to assist me. The merchant is now refusing to return the funds via another manner. I 've already reported them for fraud, but I am making this complaint because i believe the chargeback process does not provide enough consumer protection.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

When Costco started offering Citi Visa cards with good rewards, I applied for and received a Citi Costco Visa. I used my card sparingly, but my wife did not even open the envelope containing her card. I always paid my account balance before receiving a statement because of the interest rate. I was surprised to receive a statement with a {$6500.00} charge from a travel agency in XXXX using my wife 's card. I called Citi and notified them the charge was fradulent. They took the charge off my card. I told them to close the account which they did not want to do but did so at my insistence. I told them the reason for the charge was because of lax security on their part because my wife 's card had never been activated. Cloning of the card had to have come from a hack of their data base or from internal fraud by an employee since my wife 's chip card had never been out of her desk and had not been activated. 
As a result of this, my credit score has dropped by XXXX points from XXXX to XXXX ; my wife 's has dropped from XXXX to XXXX. We both today received notification of this today from our credit monitoring service. 
My cancellation of the account is due to Citi 's lax data security and their failure to notify me of an obviously suspicious transaction. 
I want Citi to correct the filing they made with the credit bureaus to reflect that I was not at fault in the fraudulent transaction and the resulting account closing. I want my credit scores restored to their original levels. I would like CPFB to pressure Citi to take a more business like approach to approving obvious suspicious transactions as was this large out of country charge from XXXX.
Consumer complaint received 2020-04-21
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. (NY)

XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

Before I took out a payday/installment loan with Cash Central, I specifically asked the telephone representative about credit report reporting. The rep told me reporting only happens in case of default. I never defaulted yet this has been reported to the credit bureaus and is hurting my credit for having this type of loan. CC sent me the loan agreement which reads : " '' CREDIT REPORTING : We MAY report your performance ... to credit reporting agencies ... You specifically acknowledge and agree that we may disclose any DEFAULT by you under this agreement ... to credit reporting agencies. '' Yes, I agreed that they could report to DEFAULT. I never defaulted so nothing should have ever been reported. I want all Cash Central entries removed from all of my credit reports. I was lied to by the telephone rep and the signed agreement clearly only says reporting will happen in case of default.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (LA)

Account is reporting twice for the same account by XXXX different creditors. It is a paid account and reflecting in a negitive manner and I would like for ACS to please remove the account/negitive reporting from all XXXX credit bureaus. As I have spoke to one of ACS agents on XX/XX/2017 and was advised to send in something showing it was still reporting and they would have it removed.The documentation was also sent in the same day. Each time I write to ACS they send me back the same letter that I 've already responded to. which leads me to believe no one is reading the documents that are send in otherwise I would not get the same letter back asking the same question that was already answered. I will attach the letters that show the dates from ACS.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc. (CA)

I sent a letter to Progressive Managment Systems to validate this debt and to also see any HIPAA authorization forms. This company failed to properly validate this debt or send me any HIPAA authorization forms. They also disclosed personal medical information that was not authorized by me. I never had any contract with this collection agency.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (UT)

In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with DITECH that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In   XXXX   XXXX   I called Ditech and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I received a notice from NationStar stating that I had a shortage of XXXX I called Nation Star spoke with XXXX in customer services on XX/XX/2017 at XXXX I asked to speak with an escrow specialist he said he also work wit the escrow I made him aware I was recording the calls because I have had issues such as this problem before. I asked him again was he a escrow specialist, he then connected me to the escrow department spoke with XXXX. I advised her that I was recording our conversation was that ok with her she did n't have a problem I explained to her what the issue were on XX/XX/2017 I sent the shortage in which I was informed I owed XXXX and also XXXX dollar to different payments mailed in separate for my mortgage payment I sends in XXXX to XXXX dollars extra toward my mortgage. I was informed they both went to the principle she could not figure how to repair the problem I then was informed by XXXX a team leader would be working on this issue I asked her what was the person name that would be working on this issue she said XXXX or XXXX the teat lead. I waited I did n't speak with either person I then went on line to check and things were change that I owe more I talked to Anothey I informed him I was recording our conversation he said I can run it again it would be different I told him that is not what I 'm calling for I do n't need to be ran again he said he did n't run it again and told me my shorted was XXXX I said no that 's not true I also have it recorded I owe nothing as far as a shortage every time I go back Nation Star is informing me that I owe more money on my shortage I send extra money in toward my principle and they still are making mistakes on my payments .I have also pay for XX/XX/2017 what would be there next mistake something needs to be done about this issue. If they need extra information I have it recorded.
Consumer complaint received 2017-07-19
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. (UT)

In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since  XXXX  it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX   He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.