davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (PA)

In XXXX, the mortgage company ran an escrow analysis which showed an escrow shortage on our account. In XXXX XXXX payment, our payment showed significantly higher because of the shortage but because we could not afford the shortage of approximately {$3000.00} at the time, we paid the mortgage due. Mid XXXX, we paid the escrow shortage of {$2700.00}. Weeks go by and to our dismay, Homebridge misapplies our escrow shortage payment to XXXX XXXX   mortgage payment, which is why we did not have a XXXX payment due. I was expecting our payment to go back to normal. 

I call the mortgage company repeatedly to get them to reapply the payment and fix our monthly payment for XXXX. This takes multiple phone calls. XX/XX/XXXX rolls around and the XXXX payment is still showing the incorrect payment amount and they still have not updated it. Then, they finally move the funds around to our escrow, however, they run another escrow analysis WITHOUT MY PERMISSION, showing another ESCROW SHORTAGE of another {$400.00} after I HAD PAID THE INITIAL {$3000.00}. Around this time ( it is the second week of XXXX ), I have called them repeatedly to have them update the XXXX payment, and still to no avail, because I have gotten tired of waiting, I had no choice but to pay the XXXX mortgage payment + the {$400.00} shortage. 

NOW, we are stuck waiting for them to update XXXX XXXX payment. WHICH IS SHOWING the full payment amount AGAIN. This has been a whirlwind and I have been so incredibly tired of dealing with such a disorganized company.
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC (MD)

On Wednesday, XX/XX/XXXX at approximately XXXX. EST, my ex spouse and I contacted Mariner Finance , LLC. regarding general information about our account. Specifically, we requested that Mariner Finance furnish us with periodic account statements so as to review payment history, information on the life of the loan, how our payments are being applied ( principal vs interest ), etc. 

I was informed, on the Wednesday call, that in late XXXX of this year my ex spouse submitted a " dishonored '' check and therefore she was denied access to review such account information. However, she would be granted access once the company worked out the " kinks '' in its online system, and approximately six ( 6 ) months after the dishonored check incident. To be clear, we have submitted money orders for nearly five ( 5 ) months now and next month will be the six ( 6 ) month where we may or may not have access to account information. 

Personally, this raised a red flag for me as I am unaware of any financial institution prohibiting a customer/consumer from reviewing account information due to a " dishonored '' check. Perhaps the customer is not allowed to pay online, but being denied access to account information seems completely unjust and unlawful. 

I asked both the account representative and her manager was this company policy or in accordance with Federal law? Each noted company policy. Troublesome, indeed. To deny a customer access to account information on the basis of one unfortunate incident seems completely draconian and out of sync with normal business protocol and leaves the customer unclear of the basic information to make timely and accurate financial decisions. 

To the manager 's credit she did offer to send a payment history report to us for review, but that we could not gain access online at this time. In my discussion with both the manager and account representative, my ex spouse was on the phone call with me. 

Mariner Finance has had a string of complaints over the years, I am more than sure this issue is not endemic to the XXXX family. In short, there should not be any prohibitions or account restrictions ( at least viewing account information ) on active accounts. We are blindly making payments based on the amount our account rep says at the Mariner Finance branch office. This is overly cumbersome and completely off-base. And entirely against basic consumer rights.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

I had an account with XXXXXXXX XXXX  XXXX XXXX. I fell behind in making payments. I had a past due balance of {$1900.00} as of XX/XX/XXXX. I was finally able to make payments again starting in XX/XX/XXXX. XX/XX/XXXX, I was served with court papers that I was being sued by Midland Funding LLC for this account and that I must make a court appearance on XX/XX/XXXX to defend myself. In the meantime, I completed paying off this debt to XXXX XXXX   XXXX/XXXX XXXX on XX/XX/XXXX ( overpaid on the account - paid {$2000.00} ). I waited 1 week to give everyone time to process the transactions and then sent Midland and the lawyer named on the court documents a letter stating that the account has been over-paid in full and to please dismiss the law suit. I provided a statement from my bank account, with claim numbers, showing the amounts paid and the dates the payments were made.Payments on the account began before the lawsuit was filed and was partially paid off by the time I was served with the court papers. 

When I came home from work on XX/XX/XXXX, there was a letter from Midland Funding stating that a lawsuit was filed against me and that I had until XX/XX/XXXX to respond, 5 days AFTER I must appear in court to defend myself, which seems like a way to mislead me into allowing a default judgement against me. I contacted the number on the letter and spoke to an operator who stated that they did receive {$1300.00}. I reviewed the payment dates with her. She said she was unable to locate the additional payments in their system and it may take a few more days for the remaining funds to be transferred to them. She asked me to email her a copy of my statement showing the payment dates, amounts, and claim numbers, which I did. They told me they would call me back, which hasn't occurred. 

On XX/XX/XXXX, I received the postcard back from their lawyers office showing that they received my letter. On XX/XX/XXXX I received back the letter to Midland that the post office is unable to locate the address listed. The address used for Midland is the same address used in the court documents, which I find odd that the post office is unable to locate this business. Nothing has been done to dismiss this lawsuit. This debt has been over-paid in full. All payments were made the exact same way, which means if they received one, they received them all.
Consumer complaint received 2019-11-13
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. (CA)

I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and XXXX representative said it was a mistake ( XX/XX/19 ). 
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. 

Help is much appreciated!
Consumer complaint received 2019-11-13
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. (KS)

I recently filed a dispute with Equifax for an account with XXXX XXXX XXXX  that is still reporting. I stated it needed to be removed because the DOFD is showing XX/XX/XXXX and pointed out that there is a huge discrepancy in how this trade line was reported to the credit bureaus. 
This account naturally aged off my XXXX credit report XX/XX/XXXX and was removed from my XXXX  credit report XX/XX/XXXX. The DOFD reported to Equifax is an EIGHT MONTH DIFFERENCE from Experian. 
Equifax sent me an email on XX/XX/XXXX stating dispute is complete and added the remarks : Account previously in dispute - Now resolved by data furnisher. 
Obviously Equifax has done no real investigation and is merely parroting what XXXX XXXX XXXX  told them. 
How does XXXX XXXX XXXX  report a DOFD of XX/XX/XXXX to XXXX, and then wait EIGHT MONTHS to report a DOFD of XX/XX/XXXX to Equifax?? This is grossly erroneous and I have recently been denied an auto loan because this also is reporting as a recent derogatory. 
XXXX XXXX XXXX  has unlawful reporting practices. I filed a dispute against XXXX XXXX XXXX  in XX/XX/XXXX because they reported my account as Charged-Off and Sold to Another Lender, yet they were still reporting a balance even though they sold the account several years before. 
I have also asked XXXX XXXX XXXX  to provide documentation in XXXX to substantiate the information being reported to the credit bureaus. They produced no paperwork. It is illegal for any creditor to change the DOFD,  but clearly XXXX XXXX XXXX  has done this and Equifax just looked the other way. 
I want this XXXX XXXX XXXX  account removed from my Equifax credit report because the statute of limitations has expired and my reputation is being damaged.
Consumer complaint received 2019-11-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

This is another complaint against XXXX XXXX which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby XXXX XXXX failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.
Consumer complaint received 2019-11-13
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. (CA)

I applied for a personal loan today XX/XX/19 and I was not approved because when they ran y credit, they said that there was an account and some inquiries reflecting badly on my credit report. That account does not belong to me. I did not open that account and I did not allow anyone to open this account in my name. I have never opened an account with that company nor did I ever make any purchases or payments towards the account that I have listed on this report. I filed a police report as soon as I found out about these unauthorized items on my credit report.
Consumer complaint received 2019-11-13
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. (FL)

There are apparently several models for your FICO score. For example : My FICO score through Experian 's FICO Score XXXX model is reporting XXXX while it's XXXX for the FICO score XXXX model. Score XXXX is what lenders use for mortgages. I have never been late on a mortgage, and have even paid them off. This score in my opinion should be higher than the score XXXX, but instead it's 72 points lower. There is no explanation for this disparity and can not get answers from Experian, XXXX or XXXX. My complaint is against the FICO scoring system. They are also showing a low score on my auto, and I have never been late on an Autoloan. I have had 2 auto loans, both of which were paid in full.
Consumer complaint received 2019-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX MIDLAND FUNDING LLC removed ALL of my funds from my both my savings and checking accounts at XXXX  XXXX XXXX. They continue to do so, including my child support depict deposits. In addition to these unexpected actions, MIDLAND FUNDING LLC removed an additional {$15000.00} from my checking and an additional {$15000.00} from my Savings. I spoke in person and phone multiple times with XXXX  XXXX XXXX and they could only say this is a garnishment, appeared very uninformed themselves, and allowed this garnishment without any provided documentation proving that this is a valid garnishment. MIDLAND FUNDING LLC was then put on the phone with me ( without my knowledge or permission through XXXX  XXXX XXXX Branch Management ) and said they believe I opened a credit card in XXXX for {$2500.00} and had a court case with the credit card company called XXXX, which is false and this debt has nothing to do with me, nor do any of my credit reports show this debt. They still continue to take funds out of my accounts, including my XXXX XXXX payment. I have had zero communication with this company and there have been NO papers served to me prior to these actions about any court case. They do not have the right to take my funds out of my accounts and an additional over {$31000.00}. XXXX XXXX XXXX has not protected my funds and they also have not previously contacted me about these actions, nor have I had any communication with MIDLAND FUNDING LLC. Neither have shown any documentation proving that this garnishment is valid and why they honored the garnishment. I have formally disputed this as an invalid and false garnishment under Regulation E. I have filed a report with the XXXX Police Department Financial Crimes Division case # XXXX. XXXX   XXXX XXXX has a fiduciary duty to protect my funds. I have excellent credit and just recently obtained an auto loan and credit card with XXXX  XXXX XXXX a couple of weeks prior to these events. This is a crime and I have been wronged, my accounts are in the negative and my own funds not accessible while I'm in XXXX  and raising my daughter as a single mother. MIDLAND FUNDING LLC, after my own personal research, have multiple names and seem to illegally acting under different names. Any money removed from my accounts is not acceptable and illegal.
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2019, I signed up for Bank of America credit card. I received the card and promptly registered my card online. At the same time, I set up an autopay option to pay my credit card automatically when payment was due. During the autopay payment option selection, I chose the pay " Amount Due '' option versus the " Minimum Amount Due '', believing that Amount Due doesn't mean the Minimum Amount Due. Turns out, the Amount Due selection is the SAME THING as the Minimum Amount Due option and when the autopay was applied for my statement on XX/XX/XXXX it only applied the minimum {$25.00} due. Bank of America then in turned charged me {$27.00} in interest on XX/XX/XXXX. 

I called in to dispute this and call out the deceptive and confusing wording for the autopay options but they are refusing to refund my interest charge because " I should've known there's a difference in the options ''. This is clearly deceptive practices from Bank of America and I would like my interest returned to me and for them to clearly word and differentiate their options in a non-deceptive manner.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

As a follow up to complaint # XXXX-XXXX. My case was assigned to XXXX XXXX of the Executive Offices. He is by far the most condescending, and belittling individual I have come across in my entire adult life. He continued to talk down to me, and imply that I was not smart, and that I do not understand the Mortgage process. He kept saying that we need to " agree to disagree. '' When I refused to agree to any of it. He stated the same thing that I had stated when I filled the complaint. which is that the taxes were appraised at XXXX, when the appraised value was XXXX. He doesn't seem to understand that homeowners pay taxes on the appraised value. The same appraisal that Huntington conducted. My question remains, why were the taxes not assessed on the appraised value. He didn't have a response. Asked me to go to my tax department. um, what are they going to do? they are going to tax me on the appraised value that Huntington reported. I am quite versed on Mortgage originations and collections. These are all predatory practices that were used to make the home affordable at closing. Had I known that the taxes were beyond my budget, I would not have closed on the mortgage.

On a final note, Huntington needs to re-evaluate the staff they have on their Executive Response team. Not sure if he though that he could treat me like a 3rd grade individual because I have an accent. May be he is racists towards foreign accents? But the response received is not fitting to represent the Office of the President. When I asked to escalate above him, so that I could complain about his condescending attitude towards me. He stated " we will agree to disagree, this is your responsibility '' and then proceeded to hang up on me. This is completely unacceptable, and a true indication of where Huntington stands with their predatory practices. this report will be taken to the news. XXXX 's full name and phone number of XXXX will be disclosed to them. I require an immediate rectification, and apology for the insulting behavior that I was subjected to. It is mortifying, that after all that we went through with the Mortgage crisis, we are still subjected to individuals such as XXXX XXXX, who essentially represent the President of Huntington Bank.
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Hello CFPB : I am contacting you in an attempt to have expeditious results regarding the escrow analysis that I received in the mail on yesterday with a payment due on XXXX XXXX. I contacted the Senior VP/General Counsel ( XXXX XXXX ) via email and asked that Please correct this matter within five business days of this communication. I also talked with XXXX XXXX of the Specialty Division of Shellpoint Mortgage at XXXX. 



In XXXX, I secured a construction loan from XXXX XXXX XXXX   who later transferred to XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, XXXX transferred to ShellPoint Mortgage Services. Since that time, I have experienced repeated errors in the accounting and billing which have caused much grief and anxiety. 



Last Spring, I sent a mortgage payment in with three advance payments earmarked for three future mortgage payments. The mortgage was applied to my principal. Surprisingly, I received a default letter for the next month. It took over a month and six phone calls to different representatives and four emails to various departments to have it corrected. Even after it was corrected, another error occurred which led to more phone calls and inconveniences. 



On last night, I came home to read my escrow analysis. The XX/XX/XXXX amount due is {$6300.00}. I am showing a current escrow balance of - {$24.00}, XXXX. This can not be correct. My yearly taxes and insurance don't exceed {$2500.00} a year. In addition, XXXX XXXX sent a copy of the homeowners insurance twice to Shellpoint when requested. 

I am being told that my taxes were delinquent form XX/XX/XXXX-XX/XX/XXXX.  However, the County Tax Portal shows that the taxes were paid. I have never been delinquent on taxes. 


Also, the cushion of {$4.00}, XXXX ( 1/6 ) is unconscionable. My original lender has a 1/12 cushion clause. Therefore, the terms of my loan can not change due to transfer. This cushion was not contracted for and is NOT reasonable. How many average working persons can afford to pay an extra {$4900.00} with less than a months notice. 

In closing, I am requesting that this matter be corrected within five business days of this correspondence to you. I should only be responsible for the {$790.00} contracted in the original loan and the {$160.00} escrow and possibly a cushion on 1/12 not 1/6 per my  original loan. 



Regards, GP
Consumer complaint received 2019-11-13
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. (FL)

I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2019-11-13
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. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.