davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a victim of identity theft and did not make these charges. theme that need to be removed from my report are listed in my supporting documents. I do not know this company. I have never done any business with this companies. This company does not have contracts with my signature.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I have had insurance coverage on the mortgaged property outside of escrow since XX/XX/XXXX with no lapse in coverage. The coverage amount is {$50000.00} with a {$5000.00} deductible. 

XX/XX/XXXX I received a letter from Mr. Cooper stating I was to be receiving forced placed insurance. I had insurance through my agent outside of escrow and the insurance documents had been uploaded to their server. The system they use to apply forced placed insurance is tailored to benefit the application of forced placed insurance and put the burden of proof onto the customer. 

In XXXX of XXXX I received a letter from Mr. Cooper stating my maximum deductible needs to be 5 %. I have asked for this guideline to be proven in writing from our original contract. I asked in an internal message system on XX/XX/XXXX, and twice on XX/XX/XXXX. I have yet to receive anything in writing proving this guideline. It does not exist. Therefore, this company is enforcing higher insurance cost onto their customers through arbitrary means. 

In a phone conversation XX/XX/XXXX Mr. Cooper called me to talk about the insurance deductible of 5 %. The agent had no written proof and said it's the system that generates the infraction and there's nothing they can do about it. The system is created by Mr. Cooper or affiliates therefore there is everything they can do about it. It comes down to arbitrary application of guidelines which cost the customer more money and benefit Mr. Cooper and it's affiliates. 

Also Mr. Cooper 's practice of arbitrary actions cost me time in having to deal with their actions. Additionally I have to pay for items placed on my account for fear of being reported to credit agencies for default payment. 

Thank you for your time in review. 
.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the multiple attempts to correct the late opening of accounts and the removal of late-closed accounts associated with my account at your esteemed institution. 

I initiated the process to open and close accounts, respectively. Unfortunately, these actions were not processed in a timely manner, leading to significant inconveniences on my part. Despite my repeated attempts to rectify the situation through various channels, the issue remains unresolved. 

I have made numerous phone calls to your customer service department, visited the branch in person, and submitted written requests through your online portal, all in an effort to expedite the resolution of this matter. Regrettably, each interaction has yielded nothing but assurances and promises without any concrete action taken to address the delays and errors in the account processing. 

The impact of these delays has been substantial, affecting my financial stability and causing undue stress. Furthermore, the late opening of accounts has resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I understand that errors can occur in any institution, but the repeated failures to rectify the situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is within my rights to receive timely and accurate service from your institution, and I am disappointed that this has not been the case. 

In light of the above, I kindly request that you take immediate and effective action to resolve this matter. I expect a thorough investigation into the root cause of the delays and errors, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

Specialized loan servicing raised my payment by XXXX telling me I have escrow shortage. My taxes are XXXX : {$5000.00} and XXXX {$5100.00}, so my taxes went down. No one -at the bank wants to explain everyone is saying I have shortage XXXX and it needs to be paid. I am looking at my county tax bill and it looks like taxes went up in XXXX but not by XXXX. I am XXXX and this is elderly abuse. They treated me like I am an XXXX when speaking with several individuals. I was talking to customer service she could not explain, so she referred me to escrow analysis department. The analyst was putting me on hold constantly and than he disconnected on me without saying a word about the situation and only mention " wait a second I have 2 bills here '' I have my tax bill available and escrow analysis from XXXX and XXXX, I actually I got refund of {$110.00} last year, so how is it possible to have shortage of XXXX almost 100 % of my tax amount? I called again and I was refused to speak with manager. They said someone will call back, they never do. Please find all the documentation attached, I was about to pay my mortgage on the XXXX when i discovered the issue, now I will be late.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (SC)

I have been attempting to get my mortgage company movement mortgage to recalculate my escrow using my accurate taxes. I have now three times provided them with documentation from the city/county stating my tax amounts. Currently they are forcing me to pay an extra {$400.00} on my escrow/mortgage bill because they have my taxes wrong. Initially their company asked me to email the proof of tax change to an email address and just wait. I did this and fortunately called to hear that this email address was the wrong location ( 2 weeks later ). I was then asked to submit the documentation through another website. The are refusing to provide any proof of submission. My taxes were approved for my lower rate according to the county as of mid XXXX. This company states that they do not see my taxes being at this rate. I have provided plenty of documentation and called the county who have verified several times that these are my taxes. Meanwhile this company is still requiring me to pay the additional amount monthly for these non existent taxes and will not provide a timeframe as to when they plan to fix this issue. This company needs to fix whatever the miscommunication is as to where to send tax documentation, fix my escrow payment and provide me with a full refund for the > {$1200.00} they currently owe me that I have overpaid on my escrow at this point BEFORE the end of this month and they require me to pay the additional amount again ( leaving me with an overbalance of {$1600.00} )
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America sent me an email that I apply for credit card which I didnt. Later the back send Credit inquiry file to damage my credit line. I have never applied their credit card at all not sure why they send to credit report about my credit inquiry.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (GA)

I was contacted about one account from an apartment that I paid off, and as soon as I paid it they attached an account that I was not associated with for an additional {$610.00}. I told him I didnt owe that, my name was not on that account, and they need to remove it off of my credit. They refused to, stating that they knew that I lived at the apartment ( even though my name was never on the lease ). Im not even sure if that is legal to attach a debt I was never connected to because the account holder was a girlfriend at the time. Because I need to move, I wanted it off of my credit. I asked that it be removed off my credit and whomever the account was associated with, and was transferred to the operations manager, XXXX XXXX, who immediately was loud, abusive, and rude, stating that he was sending a letter of deletion for both parties as a courtesy and if I did not tell him what card I was paying with, and if I didnt pay he would disconnect the call, and I would be free to call back and pay without getting the account deleted. The second I told him I had already planned to pay and told not only him but his other coworker who manage my account that I was paying and just wanted to get the letter, he continue to cut me off and yell. The second I told him I would give him my card information he immediately changed his tune, took my information, and immediately hung up. I understand that collections can be seedy at times and dealing with the public that owes debts can be frustrating but I have dealt with not only him, but other account managers being EXTREMELY rude right off the bat. I have been threatened multiple times that my credit would suffer if I did not pay the full amounts. I am beyond livid that I wasnt even given the courtesy of a civil conversation and I am essentially being backed into a wall and forced to pay them money I should not be responsible for. This is one of the worst companies I have ever dealt with and I dont know how they are still in business.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I am receiving non-stop harassing calls and texts from " Eastern Account '' and " XXXX XXXX. '' My mother is also receiving these calls and texts and is being told about this stuff which is not OK. She lives nowhere near me and is calling me to see why she is getting non-stop calls from debt collectors. 

I have contacted each company through their site on more than one occasion and have not received a response that provides insight to what debt I supposedly owe.
Consumer complaint received 2021-08-17
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. (GA)

On XXXX, XXXX, XXXX I disputed the following accounts directly with EXPERIAN for validation and removal ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. Each time EXPERIAN responded, they CLAIMED they investigated the account and verified it but failed to provide me with the proper documentation necessary to validate such items, from my understanding if an item is not validated/verified lawfully within 30 days then the credit reporting agency must delete said item. But as of today XXXX each item is still being furnished unverified to my consumer report 158 days after my initial correspondence to EXPERIAN. I decided to take my dispute efforts to remove these items a step further and sent EXPERIAN a letter stating they violated the law because they did not have my written consent to furnish any information, as a result they ignored the law, cease and desist and affidavit of truth I sent and sent me back boilerplate notice that the items were verified. I didnt ask for verification in this particular dispute so that tells me theyve been completely disregarding the contents of each dispute and sending an automatic response. Furthermore I decided to do a UCC-11 search on myself to see if I did have any debt registered under my name, and the results directly from the Georgia Superior Court Clerks Cooperative Authority proved as of XXXX I have no records of debt registered under my name, therefore each account listed above is being furnished illegally and harming my ability to obtain credit.
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX I emailed PHH asking why I received a delinquency notice. 
On XXXX they advised {$460.00} was paid in XXXX of XXXX. 
On XX/XX/XXXX I sent them a photo via email showing that {$5300.00} was due and the amount they paid was not sufficient. 
On XX/XX/XXXX they advised the bill is a supplement tax and is my responsibility. 
I have not added any square footage to the house or a pool so I do not see how that is the case. Each week they keep saying they need more time to resolve. 
Now I am getting penalty fees from the county. Two months and nothing has been resolved.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (CA)

Citibank failed to protect my nonpublic information from non affiliated third party, they sold my nonpublic information to a debt collector ( XXXX XXXX ) who has been threatening/ harassing and gained unauthorized use to my records of information which resulted in substantial harm and inconvenience to me as a consumer. pursuant to 15 usc 6802 ( e ) ( 7 ) shall not prohibit the disclosure of nonpublic personal information in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of nonpublic personal information concerns of the consumers
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NC)

To whom it may concern, My name is XXXX XXXX XXXX and I'm writing to dispute a fraudulent account on my credit report as a result of identity theft. 
A couple of years back I had someone take out 2 credit cards and a phone plan with my social security number. 
I disuputed these accounts initially roughly 2 years back. All of the fraudulent accounts were investigated and then deleted. 

A couple of months back, it seems that the XXXX phone account has popped back up for whatever reason. 
Since this has not been resolved, I have filed a police report with the XXXX Police Department in XXXX, North Carolina this week. 
The address of the police department is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

I'm requesting that this debt be removed immediately from my credit report as it is completely fraudulent. 
If this issue is not resolved and pops back up again in the future, I will proceed with further necessary legal action. 

Amount : {$790.00} Opened : XX/XX/2020 Original creditor : XXXX Current creditor : Convergent Outsourcing
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX Dispute XX/XX/XXXX Report - XXXX Ive paid my TD Bank mortgage ( including tax and home owners statement ) on-time and sometimes early for years. On at least four ( 4 ) occasions in the last year, a TD bank teller or someone in the TD bank central office incorrectly entered my mortgage payment in an incorrect account ( I also have a home equity and checking account at this branch ).

On each occasion, when I received my next statement showing the issue, I met with one of the bank managers at my branch office ( TD Bank, XXXX XXXX XXXX, XXXX, NJ, XXXX ) and he addressed the problem by calling the TD bank central office and correcting the error. I have notes and names of three of these people if this is needed to investigate this problem.

The most recent repeat of these errors was in XXXX, XXXX. On XX/XX/XXXX, I met with one TD bank manager, XXXX XXXX, who spent a half hour on the phone with TD bank central office, concluding that the problem was resolved. However, my next TD bank statement on XX/XX/XXXX did not show the resolution. I called the TD bank central office on XX/XX/XXXX and was eventually connected with a representative ( XXXX XXXX who spent the next hour on the phone with me without any resolution of my problem. XXXX did not appear to be very competent ( i.e., he could not find records of this or previous disputes on his computer and he indicated that some other department would need to become involved ). Apparently, there was never any follow up on my problem by the anyone else since I was never contacted by the TD bank central office after that frustrating, long phone call.

Lacking useful customer service by the TD bank central office, I met again with one of the local TD bank managers at my branch office on XX/XX/XXXX, this time with XXXX XXXX, who also spent a half hour on the phone with TD bank central office trying to correct the problem. He requested material from the home office to resolve the problem but added that the problem should be taken care of by the TD bank central office shortly. Yesterday ( XX/XX/XXXX ) I stopped at the bank and spoke with XXXX, adding that I received bank records from TD bank central office. He told me that they had not sent the information to him as requested and told me that he would follow up on why this oversight occurred by TD bank central office and why the problem was still not resolved.

Apparently, the TD bank central office has incorrectly reported my mortgage account as unpaid and, as a result, my credit score has dropped XXXX points from XXXX to XXXX. I place great pride in having a near perfect credit score and having it diminished by the sloppy, incorrect accounting of the main office of TD Bank is frustrating, annoying, and extraordinarily time-consuming. I want this dispute to be corrected and my TD bank account removed from my credit score evaluation. If TD bank central office cant keep my records straight, I dont want my credit score to reflect their errors.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA XXXX violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report immediately
Consumer complaint received 2021-08-13
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2022-06-24
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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dobberstein Law Firm, LLC (WI)

I had a credit debt from XXXX which I wasn't able to payback due to my situation at the time. I wasn't released till XXXX. Now, I have received no notifications until XXXX when my employer garnished my wages for a court order from Dobberstein Law Firm , LLC. An lawyer in XXXX, Wisconsin. According to Executive Order 20-50 and in extension 21-02, prohibits such actions with fines and penalties of at least {$25000.00} dollars. I did not receive any summons or notifications from the law firm nor did I receive any notice from my employer prior to garnishing my wages during a pandemic. My employer just took {$400.00} from my wages and sent it. There should have been a form in which gave me the chance to dispute the debt. I have tried to contact said law firm. My employer has tried as well. There has been no response nor any attempt to resolve the situation. And recently, keeping my own tabs on public court information, have I noticed that they have filed and received a extension from the county courts to continue harassing and circumventing proper etiquette pertaining to the case. Based on the dates of last payment cited, the debt has been " time-barred '' since XXXX. The law firm understands this and does not cooperate in resolving this issue.