davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

XX/XX/XXXX I was charged a {$25.00} fee. Logging onto the customer account portal did not indicate the type of fee. 
I called customer service in XXXX and was informed it was for a expeditated payoff fee. I never ordered such a fee or was contacted to approval any fee. Customer service apologized and I was told the fee would be removed. 
XX/XX/XXXX, the fee was still on my account. I contacted customer service again thru a chat session ( XXXX I.D . number is XXXX ). This chat session is available. This time I was told they could not removed the fee. I asked for any proof that I approved any authorization resulting in the fee and they could not. I was told they would submit for investigation and would be notified with a week. 
XX/XX/XXXX, still no communication concerning the status of the fee. Another call with Mr. Cooper. This call I was told it would not be removed. I asked again for any proof or authorization by me approving this fee and again they can not provide any proof.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was affected by this breach when someone used my information in 2018. Transunion created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. I wrote Transunion about the following fraudulent accounts : 1-XXXX XXXXXXXX XXXX I have proved this account information is fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted these companies and told them they are fraudulent accounts. These debts are not mine. These egregious stains on my credit file prevent me from obtaining future student loans. I urge them to remove these items immediately before I am forced to take legal action. They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. However, they are not concerned about lawsuits. They are getting paid more money by these companies when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB and Federal Trade Commission to step up and force XXXX to do the right thing. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2024-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (MA)

My mortgage servicer is Freedom Mortgage. They took over my mortgage almost 4 years ago. When they did, they said my insurance didnt meet their criteria and instructed me to use XXXX to get a new policy. So I did, after I purchase a new policy they informed me they had already paid the previous policy, and refused to work with me or the previous insurance to refund the money. Then they canceled my flood insurance without my knowledge. They then manipulated my escrow account so as to create a shortage, which they then raised my monthly payment over {$500.00} per month. They then kept pressuring me to refinance, at a much higher interest rate to pay off the shortage and reduce my monthly payment.
Consumer complaint received 2021-07-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I am on a covid relief hardship plan and the mortgage company is charging me XXXX in late fees and I asked them if they would waive these fees due to covid and they tell me they can only waive 2 months worth of late fees, I feel XXXX is a lot for customers trying to come out of a pandemic and they are refusing to work with me and on top of that they are trying to give me a XXXX a month repayment plan when my monthly mortgage payment is XXXX who can afford double while in a pandemic when you can barely afford your original payment, I have talked to every Supervisor I can and nobody wants to help me or eliminate some fees so I can get a head. Please help I need desperate help with this
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

It appears that my credit with has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. If CREDIT BUREAUS feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 ;
Consumer complaint received 2021-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

XXXX XXXX ( The year of the Pandemic ) A document was sent from XXXX ( aka PHH Mortgage Services ) stating I was approved for permanent loan modification so to help me be able to pay my mortgage during my hard times. I was instructed to sign the documents and return them before XXXX XXXX for which I did. My monthly payments were reduced to {$400.00} which I paid on time each month by way of XXXX XXXX as per XXXX  instructions. 

XXXX XXXX I received certified mail with expedited foreclosure documents enclosed filed with XXXX County District Court 133rd. Stating the following : " As of XXXX XXXX -- XXXX XXXX XXXX XXXX monthly payments have not been paid. The amount required to cure the default is {$5700.00}. The total amount to pay off the loan agreement, contract, or lien is {$44000.00}. 

Notice to cure the default has been sent by certified mail to each respondent who is obligated to pay the underlying debt or obligation. The opportunity to cure has expired. '' The problem is, I had signed a loan modification and were making payments as per our agreement so why are they acting as if they received no replies, or efforts to pay the debt. None of my payments were returned nor were they applied on the debt. 

When calls were made to XXXX I was told I didn't return my signed mortgage modification which I did within the time frame they instructed. So they resent another mortgage modification form, and I repeated the process and still they claim they didn't receive that signed loan modification documents. 

I need a third party to investigate for fraud because XXXX XXXX is acting as if I've not attempted to make any payments. Now I'm being threatened by them with foreclosure when I did as XXXX their servicer instructed me. Since they are behaving in a unfair and unjust manner I need someone to do a securitization audit of my mortgage to see if any fraud has taken place.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

XX/XX/2021 I left XXXX  for another carrier. On @ XXXX XXXX I get a call saying phone not the turned in. I tell the lady on the phone no return kit was sent.. XXXX wont accept it ... XXXX corporate locator store online they tell uto take it to is XXXX XXXX. what is a consumer supposed to do? now they send me a bill saying I owe {$440.00} dollars. XXXX has sent it to convergent XXXX with no warning or way to resolve issue. This isnt business or fair. Its corporate extoration Also showing no proof of the amount " owed ''.
Consumer complaint received 2022-12-20
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: AmerAssist A/R Solutions, Inc. (GA)

Amerassist AR SOULTIONS has placed an erroneous collection on my XXXX credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with AMERASSIST AR SOLUTION. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved.15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX made me purchase insurance separately.
Consumer complaint received 2021-10-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b
Consumer complaint received 2022-04-27
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: General Motors Financial Company, Inc. (FL)

Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX AMERICREDIT XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account number ending in XXXX 15 U.S.C 1692f unfair practices states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

15 U.S.C 1692c ( a ) communication in connection with debt collection states without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with a consumer Capital One raised my spending limit without asking me the consumer if that's what I wanted and immediately closed my account after one late payment. I was sent a letter after I tried to make payments but they wouldn't post and my transactions wouldn't go through. How do I owe money to Capital One when it was my money going into the account. Capital one has violated my rights as a consumer.
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (FL)

I have tried solving this issue with XXXX XXXX and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but Experian and XXXX continue reporting. I am attaching the updated and new information, also : XXXX financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from Experian and XXXX. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across Experian and XXXX, XXXX XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their rear end with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW