davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (CA)

I mailed a debt verification letter to Radius Global Solutions XX/XX/2023 asking to Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; the date the original creditor claims this debt became delinquent. 
As of today XX/XX/2023 I have not received a response. 

Sincerely XXXX XXXX
Consumer complaint received 2022-06-10
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. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection companies do not have a contact with my signature.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SIERRA PACIFIC MORTGAGE (CA)

Sierra Pacific Mortgage Company sent at least XXXX closing disclosures all said the Points to buy down the loan would be {$2600.00} at first then {$2900.00}, however on the day we closed the loan it was {$5700.00} plus a commitment fee of {$790.00} and a processing fee of {$750.00} for a loan amount of {$110000.00} They also asked us to send copies of bank statements with full account numbers to them via email, asked us to send the same documents several times that we had already sent, asked for many new items on the last few weeks of the loan closing, & even asked for more documents after it closed. They took over 2 months to give us the loan asking for things in bits and pieces instead of a list at the beginning.
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

My mortgage is currently with Citizens One. 
I received notice, XX/XX/XXXX that my payment, due to escrow, is increasing by more than {$200.00} per month. 
I tried to get online to check what was happening, login failed. Called Citizens One for assistance. A 10-minute call dealing with an automated menu loop, which became degraded and kept looping back to the previous menu. Hung up and called again.

This time I got a person, breaking up in the connection. Explained that I was unable to log in. She informed me they would text me a code. Since I have a landline, text wasn't possible. She informed me she was unable to help me. I let it go until today. 
Called today after getting another notice about my payment increasing. 
Called ( XXXX ) XXXX and again, continuous automated menu loop! Just kept trying different menus until I got someone. 
Explained, tried to with a poor/breaking connection, what I was asking. All a got was to apologize for the poor connection, which had to be terminated. 

My issue is that I receive a Form 1098 from them every year they acquired the account, XXXX. Under the Escrow Reconciliation, it shows that every year a balance of at least {$1100.00} is carried over. and my payments are increased!

I receive a Homestead exemption every year, which is not reflected in the property tax amount. For the last 2 years, the state has given me another tax exemption in addition to my Homestead.

I want to know who has my overage?

The State Treasurer is supposed to send back to the institution any surplus.

I have been unable to get any information about my money.

I had contacted the State Dept of Revenue, they are looking into it. 
But still unable to get anything from Citizens One! 
Franklin Mortgage had it before, they would send a check-in in XXXX for any overages. Citizens One has sent only notice of increase of payment. 
The new payment for escrow will exceed my mortgage principal payment and my income! 
I want to know where all my escrow money is going? Is the State keeping it? Or Citizens One? 
Either way, there is no way to make an {$850.00} payment on Social Security. 


Copies of letters and Form 1098 can be attached as needed.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (FL)

In XXXX there were several accounts opened in my name and I contacted all five of the creditors. Three of them closed the accounts immediately and removed them from the tri merge credit report. 2 of them both XXXX XXXX refused and they still show charged off accounts I did not open. On XX/XX/XXXX I was falsely XXXX on XXXX XXXX XXXX which was dismissed in XXXX. However, I was under the order of the court not to go back to my home until the case was settled. From XX/XX/XXXX to XX/XX/XXXX I was living in XXXXXXXX XXXX and various hotels throughout my of XXXX  and XXXX. In XXXX of XXXX an account was opened with XXXX XXXX in my name. I was not allowed to go to my home but an account was opened in my name. I have all the court documentation. This year on XX/XX/XXXX an account was opened in my name with XXXX XXXX XXXX  which I had no idea of until XXXX of this year. This account was paid by someone 3 times and then went delinquent. 

I disputed all of these accounts with XXXX and but a consumer statement on my account in XXXX to contact me before extending credit and only one car loan company has followed my request. Now my credit score is drastically lower than the XXXX  in the XXXX  when this card was opened. That is not right or fair. The creditors were notified that these are not my accounts but continue to list them on my report. Please Help!
Consumer complaint received 2024-12-05
Product: Mortgage — Conventional home 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

XXXX XXXX and XXXX XXXX XXXXXXXX have sold my house at auction, according to various third party sources. 
I have no idea what has happend. I was not given a chance by XXXX XXXX to pay the arrears to save my home from foreclosure, Then I discovered that my name had been added to a mortgage loan with XXXX XXXX in 2013 without my knowledge or signature, by XXXX XXXX, attorney XXXX XXXX, XXXX XXXX, XXXX XXXX and USAA appear to have benefitted financially from this transaction, and I am demanding information and to own my house free and clear of any criminals and criminal activity. 
See my many prior complaints to the CFPB, FBI and Division of Banks, and case XXXX Court XXXX  XXXX. 

Furthermore, USAA has canceled my home insurance for an unknown reason and without my input. Please see the attached document. 

Address : XXXX XXXX XXXX, XXXX, MA, XXXX.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPTEDXXXX  XXXX Balance Owed : {$1000.00} DEPTEDXXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I made a payment to XXXX XXXX XXXX on XXXX in the amount of {$33000.00}. XXXX did not accept the method of payment, which was made via ELECTRONIC BILL PAY. The funds were returned to BB & T on the same date, according to XXXX XXXX. 

I contacted BB & T several days later to inquire as to why the funds had not been credited back to my account. They informed me that XXXX was sending me a physical check in the mail. After not receiving the check for what I considered to be a reasonable time frame, I contacted BB & T again to inquire as to the location of my funds. They informed me that the funds would be returned back into my account after a multiple day hold. To date, it has been 20 days, and I still do not have the funds back in my account. This has cost me close to {$400.00} in additional accrued interest, and in this day and time there is no sense in this. I want my funds deposited back in my account immediately, along with the additional interest that it has cost me.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

So I guess an outage over 2 days ago caused Huntington 's servers. I looked on XXXX to see if they had done a notice and it already had been XXXX hrs of not having access to my money. No online website. No app. Local bank system was down and they couldn't do anything for me. Phone system is down. ATMs are down. They didn't make a notice until the next morning long after many people had complained about them not saying a word and being vague about it. It was around XXXX pm on XX/XX/XXXX when the online website came back up. Was able to move some money over for my rent and what not and was able to pay my rent in the morning. My debit card was working fine until about XXXX am of XX/XX/XXXX. Local bank can not help me. I can't sit here and wait for XXXX he's on the phone. Can't use the ATM still as mine aren't working. And my best way to get an answer is social media. No answers. Nothing. No time estimate. No help. No notice. No new information besides the continued repsonse of they're working on it. How am I suppose to pay for food and gas if I can't get to my money? They're being sketchy and somehow this takes a couple of days to fix? I want my debit card working. I have a baby to feed but they don't care.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OK)

I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2019 dated for XX/XX/2019 saying to please find the documents for the above mentioned account. If you have any questions, please feel free to contact us at the number listed below. 

I contacted Mercantile Adjustment Bureau immediately to take care of the debt because we are in the process of obtaining a home loan and this will drastically hurt us. 

When I contacted them, they stated they sent out a letter on XX/XX/2019 to our previous home address which we have not been in for almost 3 years. We did not receive a letter to dispute this or take care of it in a timely manner. They sent the letter to the correct address on XX/XX/XXXX. However when I spoke with them on XX/XX/2019, they stated they had already reported this to my credit. 

I believer they have inaccurately and illegally reported this debt to my credit, with intentions of hurting my credit. 

They state they have called my phone number and work phone number multiple times, however I have not logged phone calls of this. My work phone is manned XXXX and I have never received 1 message from them. 


They are ruining people 's lives by not doing their due diligence and sending letters to correct addresses in a timely manner OR calling and reaching someone before reporting to someones credit.
Consumer complaint received 2020-05-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (TX)

I paid my loan off with them in XX/XX/2020. In full. I am still receiving emails from them stating my payments are over due. The account still shows {$21.00} is owed on my credit report even though they have said over the phone it has been paid off. They told me it was a glitch in their system and everytime I call I am told it will be fixed within the next week. Now we are in XX/XX/XXXX and it still has not been fixed. My husband and I are trying to get a home and its affecting my approval rates with it still on my credit report.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

While the current complaint is against Nationstar Mortgage LLC XXXX Mr Cooper ; the original complaints through the CFPB date back to XX/XX/XXXX ( please see related complaints through this CFPB portal from me, XXXX XXXX ) started with XXXXXXXX XXXX XXXX  d/b/a as XXXX XXXX XXXX. o On or around XX/XX/XXXX, XXXX XXXX and XXXX entered into an agreement that impacts my real estate property. The current complaint against Nationstar is as follows : On XX/XX/XXXX they provided me a letter stating I was *confirmed* as successor in interest on the related debt obligation even though I am not related to the account holder { " XXXX XXXX and XXXX XXXX XXXX and never stated that I was. 

On XX/XX/XXXX I responded to them indicating the approval seemed to be based on erroneous findings, but no one has responded to my concern, It has been nearly 4 weeks and no response. Please see the attached XX/XX/XXXX letter and Filed Complaint. Please Help!
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (TX)

I have three debts on my credit report that are not mine. 
XXXX XXXX for XXXX dollar amounts of {$470.00} {$510.00} The third one is XXXX XXXX XXXXXXXX ( Apple Card ) {$2500.00}
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Consumer complaint received 2022-06-17
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. (NV)

in accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX, has violate 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 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BBVA FINANCIAL CORPORATION (GA)

Dear Consumer Financial Protection Bureau, CFPB : BBVA bank is in violation of Regulation E AND 15USC1692. BBVA is mandated to CHARGEBACK {$590.00} ( UP TO XXXX ), AND GIVE ME MY MONEY. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2022-06-17
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, a fraudulent purchase was made on my account through XXXX for {$640.00}. In my monthly statement activity review I recognized it and quickly reached out to the vendor who cancelled the transaction. I then reached out to Barclay 's and notified them of the transaction, supplied them with documentation and was told I would have the information investigated. I called monthly for updates and was told continuously they would begin the investigation. 6 months went by and I was confused by no correspondence. I was again told an investigation would occur. I told them it is unfair that this continued with no resolve while I paid interest charges on a purchase I did not make. They removed the charge in XXXX along with the interest only to add them all back. I only realized this due to my normal minimum payment of double digits $ $ jumping to $ $ XXXX This company has continued to give me the run around and will impact my credit in the process. I am frustrated that this is still something I must contend with after over a year. Please help. They will not resolve and have added another late fee.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I been trying to resolved the issue for over 2 weeks. I have attach a letter explaining everything and documents that shows that someone is using a credit under my name and macy is allowing to do it. please review every single document that I will be summing. 

Thank you XXXX XXXX
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio  of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX , FL XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!