davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Statebridge Company (CA)

Statebridge contacted about collecting a debt that I have already paid. They served me by Certified Mail, on XX/XX/XXXX ( Date received ) of an account which they planned to accelerate. The actual date of the letter is ( XX/XX/XXXX ) and the debt is identified as Loan # XXXXXXXX. I do not have any responsibility for the debt youre trying to collect. I have already paid this loan off with the original lender in XXXX of XXXX. 

The account is already settled, already paid. XXXX XXXX XXXX ( XXXX XXXX. XXXX ) was paid by XXXX XXXX XXXX XXXX on XX/XX/XXXX in a refinance of my home loan. ( XXXX XXXX. XXXX ) Payoff to XXXX XXXX ( {$48000.00} ) per ( Escrow # XXXXX ) Funds were over-nighted by XXXX to XXXX XXXX. Deed of XXXX recorded XXXX XXXX of XXXX CA. 

After they re-aged the debt, attempted a foreclosure on a property they had no legal right to, pressured us by attempting a Trustee Sale, I had to pay late payments, your attorney fees, and foreclosure costs for a debt Ive already paid which violates California Code, Code of Civil Procedure - CCP 726 ( a ), There can be but one form of action for the recovery of any debt or the enforcement of any right secured by mortgage upon real property or an estate How does this madness end? 

Even if I owed this, this Debt would be time-barred by now. It is well-established that it is a violation of the FDCPA ( Fair Debt Collection Practices Act ) for a debt collector ( including a debt buyer ) to file an action in court to collect on a time-barred debt. It likewise is a clear violation of the FDCPA to threaten to file such an action. Debt collectors, including debt buyers, may violate the law not only if they file an action to collect on time-barred debt, but also if they engage in deception in collecting on time-barred debt. When collectors attempt to recover on debts, in many circumstances, such efforts may convey or imply to consumers that the collectors could sue them if they do not pay. If the debts are time-barred, this message would be false or misleading, because the collectors in fact can not legally file an action against them if they do not pay. Information about the consequences of not paying debts being collected appears to be important to consumers in deciding whether to pay debts and in what order to pay debts. You are violating Federal Law FDCPA : 807 by using false and deceptive representations to force me to action on this debt, especially when I dont owe it.
Consumer complaint received 2022-12-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

Rocket 's escrow team has made many errors in inputting our home value which has caused our mortgage to increase by {$300.00} with added late fees that we can not pay. Due to Rockets continued mistakes after multiple attempts at requesting attention to the report, and many wasted hours, we are still looking at a delinquent account and are simply told we have to pay this incorrect mortgage amount. We have had a mortgage amount of $ XXXX since we purchased our home XXXX XXXX and we overpaid escrow by over {$2000.00} last year. Since we have updated our tax records ( in XX/XX/XXXX ), our mortgage should be less than what we have been paying ( $ XXXX ) to reflect 50 % tax exemption. 

Rather XXXX XXXX, we receive a notice reporting our escrow analysis caused our mortgage increased to {$1500.00}. 

Again, XXXX XXXX we receive a notice reporting our mortgage continues to be the incorrect amount of $ XXXXbut includes late fees and " other fees '' causing our total owed to be {$1700.00}. 

XXXX XXXX we receive notice we continue to owe {$1600.00} We spoke to many rocket call agents who simply told us we had to pay this incorrect mortgage and legally it takes 30 days to change a mortgage payment. We explained that is irrelevant to our situation as this is rockets errors and mistakes. Our attempts at getting Rocket to fix these mistakes continue to remained ignored. 

Finally XXXX XXXX XXXX XXXX XXXX ( escalation specialist ) stated he would be able to assist us and fix our account by XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX called, reported he has not had a chance to review issues but will be back in touch XXXX XXXX. I agreed that would be okay but still needed explanations for the 3 incorrect escrow analysis and findings for why our home value is incorrectly assessed at {$440000.00}. 

XXXX XXXX XXXX XXXX called stating escrow analysis still not completed. Stated it would be completed by XXXX XXXX XXXX XXXX Servicing Escalation Specialist Rocket Mortgage T ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-08
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. (NC)

n accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Once I was released from the hospital, I contacted Capital One customer service department and explained to a Capital One representative that I had been XXXX XXXX XXXX XXXX XXXX XXXX, which caused my payments to late. The original amount I owed on the Capital One XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the Capital One credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The Capital One representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about Capital One reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The Capital One representative told me she would notate my account that had been affected by XXXX XXXX XXXX XXXX XXXX XXXX  which caused the late payments. My Capital one bill had always been paid on time until XXXX XXXX XXXX XXXX XXXX XXXX 

Per the guidance provided by the Capital One website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX XXXX Capital would not report a late payment. 

Unfortunately, even after all the public assurances given on the Capital One website and by the Capital One representative I spoke with, Capital One did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, XXXX and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to Capital One customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me XXXX XXXXXXXX XXXX XXXX XXXX  I also attempted to contact Capital One executive office via email but did not receive a response from Capital One via email.
Consumer complaint received 2022-11-07
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. (FL)

My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I have been a customer of Wells Fargo for 15 years. I originally had one checking account for my banking. When I started a small side business a Wells Fargo banker recommended that I create a second checking account to move money into for my business. At the time I accepted. I did not use the second checking account and completely forgot about it. What I did not realize is that {$10.00} a month is charged to accounts below a min balance. No one informed me these charges were taking place. After 16 months I finally noticed and closed the account, but {$160.00} in account fees had been charged. I attempted to first work with the bank to have this money returned seeing I didn't use the account at all. I then filled a complaint internally with wells fargo which did nothing. I am seeking to have {$160.00} returned to me.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

Just found out I have been ripped off for the last 5 years by US Bank. I have been paying a monthly fee ( XXXX ) that was not necessary and the only response I have gotten from the bank is " you should have read the fine print ''. I even got the answer from one service member that " all banks have to charge fees '' and then a minute later, " we would have waived the fee if you had brought it to our attention '' I asked who is in charge of Customer Service at the bank and was told that they would not release that information. That makes no sense. 

I talked to 5 different customer service people including bank managers. The first one was wonderful and told me how I might be able to resolve my issue, everyone else awful. The last person was from the Ethics Department who basically said " you should have read the fine print and It's not our job to review your account. I do understand this, but over the years I have sat down with my bankers and have gone over my account and the fee issue was never brought up. 

This is not the ethical company that they present themselves to be.
Consumer complaint received 2024-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am a XXXX woman, a XXXX XXXX  once and currently my XXXX has XXXX  and I am in the process of eliminating it with XXXX  and surgeries. In less than 6 months I have had XXXX XXXX  and taken XXXX. I am a single woman, without children or family, I work hard to survive but since XXXX when I was diagnosed with XXXX  while I had XXXX my life has been very difficult, most of the time working and in hospitals, therefore I have fallen behind in paying my Mortgage, California Relief helped me pay once, after that my payments continued and when I thought the battle was finally over, the XXXX XXXX  at the end of XXXX, the doctors forbade me from working for most of XXXX so I could have the XXXX and having my XXXX, I asked SPS to give me a forbearance and they only gave me repayment options with high payments that I could not pay because I was not working, I sent them tests from my hospital and letters from doctors and they kept giving me repayment. 

Currently I will return to work in XXXX while I take my treatment because my expenses have accumulated and I want to avoid losing my house, I applied for a modification and on XX/XX/XXXX I was approved for a repayment plan with payments of {$6000.00}, I don't even make that amount of money, I survive on a low salary and help from the government, there is no way I can make those payments and I don't want to be on the street while I continue the XXXX XXXX XXXX, please help me get a Modification with a lower payment. I have even been thinking on going to the TV to see if possible they can hear me in that way as i have sent several proof of my illness and they just ignore them.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX Amount ( XXXX ) : {$200.00} and {$730.00} ( {$730.00} includes multiple transactions. 

Filed fraud complaint on XX/XX/22 with Bank of America. After filing the the claim, I requested multiple escalations through their claims department where the issue was supposed to be resolved by the end of the following business day, by using their availability of a hardship claim. They have been telling me that the funds will be available in my account that same day for over 4 days now and I can not get a straight answer from any department I get in contact with.. the claims dept. Has hung up on me, not once, but twice. The final straw was two separate agents agents told me they were having technical difficulties connecting me to the head of their department and promising me a call back, which i never received.

The bottom line is that Bank of America fraud dept is giving me the run around and not refunding me almost {$1000.00} that was fraudulently taken from my account and they will not give me an answer as to when this will be resolved.
Consumer complaint received 2022-12-29
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. (TX)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXopen date : XXXX XXXX XXXX XXXX XXXX Hard and soft inquires XXXX 

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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS O
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : I demand that you delete the charge offs on my report from XXXX XXXX XXXX XXXX XXXX I also demand that all my late payments form XXXX XXXX and self get updated to paid on time. 

Thank you for your cooperations Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
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. (MD)

There is a hard inquiry listed on my Transunion report listed as XXXX. I contacted XXXX XXXX and the company confirmed that they processed no inquiries on my account. They also informed me that Transunion using their services to provide credit monitoring, but this should not result in a hard inquiry.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Once again they have refused to investigate an error claiming they have already investigated it. But they can provide no date for prior investigation. They provided me with a copy of my credit report including all prior investigations. The report they generated clearly shows there have been no prior investigations into any discrepancies.t. Any attempt at filing a dispute results in an error stating no relevant information provided. I have screenshots of everything. They need to have charges brought against them for again refusing to investigate this entry on my credit report. The first screenshot shows all disputes filed. There are none listed. The second clearly shows what happens when any attempt at filing a dispute occurs. A third is posted to show that the item in question has not been reported to Experian by the creditor in almost 2 years. They refuse to allow you to file and do nothing but give you errors. Phone calls to them get refused. Both my XXXX and XXXX reports are over 100 points higher than Experian because of the errors they refuse to investigate.
Consumer complaint received 2022-07-16
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$210.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00}