davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (MI)

The process the mortgage company put me through as I attempted to save my home was one thing but the fact that this mortgage company held a foreclosure sale on the home in XX/XX/2020 is my current issue. The buyer of my home which Im still living in And never left plans to flip it for profit, according to the fha moratorium the sale should not of occurred And the events me Avd my kids have been put through with their attempts to evict me should. Not have been allowed to occur.. I have been put through XXXX with court And have had to pay close to XXXX and was even forced to sign court documents while sick with covid or be evicted within 24hours. I have proof of those statements and threats. They told me they would throw me Avd my kids out while we were sick with covid this month. The justice system failed me. How was this missed why wasnt the moratorium used to protect me. At one court hearing the judge gave me 3 hours to pay XXXX or be evicted within 24 hours, while unemployed with XXXX kids. How can this be ok, how or why did the judge ignore the moratorium? Why was I treated so unfairly??? Why would a writ for eviction be given with the federal government having these moratoriums In place to protect homeowners like me. Is the local court allowed to just ignore those rules?? I dont understand and Im in disbelief of the treatment I received through the judicial system. Im currently being threatened to be evicted again because they are aware I have filed complaints and am questioning the moratorium And the mishandling of my case. I even lost my job Bc of what was happening with eviction. There are programs now that even foreclosed borrowers can use to get help to retain their home I have wanted my home this whole time but have been given no options. I believe the sale held in XX/XX/2020 is not valid and only makes it impossible for me to retain my home and I believe what I went through Is unlawful And unjust as the moratorium was there to protect me.I need the proper authoritys to take charge Avd get answers and fight for me And my rights, please help me, please Stand up for me, this is not fair, why is it so difficult for a borrower to be able to regain their home? Why did the mortgage company ignore the moratorium and continue having a sale of the home knowing still living there?
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (MD)

After being denied the ability to use my XXXX  XXXX debit card for automatic payment of my XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX had informed me that the denial was the result of a report from Early Warning. I obtain my report from Early Warning. In a phone call with Early Warning their representative denied producing any score and did not reveal what information on my report they considered derogatory. 

I did notice on my Early Warning report they reported the status of one of my accounts ( with XXXX XXXX ) as " Deceased '' in XXXX and present in XXXX even though I am still alive ( my wife who was a co-owner passed away in XXXX, but the report gave no indication of joint ownership. 

I disputed the characterization that I was deceased in XXXX via letter. They initially responded that their investigation determined that the status was accurate. I tried faxing them a letter requesting that they report to me how they verified the information, but their fax system refused to receive it. 

Today ( XX/XX/XXXX ) I received a report that they claim represents a correction of the information ; however what it appears they have done they have left in the report the allegation that I was deceased in XXXX and removed the claim I am alive in XXXX. 

Now for my XXXX bank account, Early Warning shows as the current status of the account " deceased ''.
Consumer complaint received 2021-08-24
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: Bread Financial Holdings, Inc. (FL)

I already disputed this account ( CCB XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is COMENITYCB/XXXX  which is basically the same as CCB because CCB stands for Comenity Capital Bank and with the same account number XXXX is reporting negative under XXXX  & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (GA)

The first dispute occurred while I was on XXXX XXXX for the XXXX in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my Discover card bill during this time. I made a dispute with all 3 credit Bureau and Discover Card and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the US Govt at the time. I have uploaded my orders to this file. The second dispute I have is with a company called XXXX XXXX XXXX Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX XXXX  should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago. 

This is related to complaint # XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

all theses address are being repoted that i never lived there XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BMO Bank, N.A. (IL)

I had a money order made out to Thresholds that was stolen and cashed at XXXX bank. I made 2 complaints to the consumer financial protection bureau about this and XXXX claimed to have sent a check to my bank on XX/XX/2023. My bank, XXXX has yet to receive this check for {$290.00} as of this writing. I am filing a 3rd complaint, this time with a declaration of unauthorized endorsement or altered item signed by my landlord saying they never received the payment in question. I also submitted my checking account statement of deposits going back 6 months showing no deposit of {$290.00} from XXXX has been made to my account. this getting increasingly frustrating to me. The fraud recovery manager from XXXX, XXXX XXXX has been impossible to reach.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on FICO.
Consumer complaint received 2021-08-24
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. (NC)

See highlighted information.

Every item that is circled and highlighted is a violation. Every account in violation needs to be removed. There are multiple federal violations and discrepancies in accuracy of reporting that will cause information to be reported after the statute of limitations.

I will be taking legal action for every item that is not removed as it each violation is breaking federal law per the Fair Credit Reporting Act.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company informationTransunion. XXXX XXXX XXXX XXXX Balance {$1000.00}
Consumer complaint received 2022-02-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

I had a hardship with Covid was encouraged to skip payments and was told after the 18 months that there would be an easy process to resume making payments. After 18 months I called dozens of times while waiting on hold for hours at a time was told a different story every time and then after four months was told that I would have to fill out a XXXX page application and submit documentation of income and other things to be considered to resume payments, I did as was asked and then called multiple times was wasn't told there was anything I needed to do. A month or so later I get a letter saying I didn't provide enough information. I called and told them what had happend and they said I need to start the process over again and so I did this time including my W-2 's as well as paystubs showing I personally make over {$80000.00} a year and want to start making my {$400.00} loan payment. The then tell me that my application is incomplete cause my reason for hardship wasn't what they wanted ( no clear understanding of what they want ), that they don't have my home loan information from where I live ( never asked for it ) and they want paystubs and from my wife even though I make more than enough to pay the loan, then after asking me for all of this I get a letter from a debt collection law firm demanding payment of my loan in full in two weeks or else. I have spent hundreds of hours being mislead and fighting with this company and I am tired.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc (MI)

Hello, I am having a hard time dealing with this collection agency, JJ Marshall & Associates. The alleged debt was originally from a credit union. JJ Marshall & Associates claims that I owe {$270.00}, this is inaccurate and untrue. Not to mention, I never received any type of notification that I owed money, this collection just randomly showed up on my credit report. I have emailed and sent hand written letters to the executive departments of both the original creditor and JJ Marshall & Associates, neither of them can validate the exact amount they claim that I owe or the dates of any activity. I have also disputed this collection account through the credit bureaus and each time it comes back verified. It is disturbing how much damage these companies can do to a person 's financial life and yet not even blink an eye when we request information and accuracy.
Consumer complaint received 2021-08-24
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 have been trying to get these fraudulent accounts off my credit for some time now. In XXXX I sent in a mail document to get these fraudelent account off but i still havent heard back. Its been well over 60 days now. I called the credit bureaus to figure out whats going on and they told me that there was an error on my FTC report that i needed to date the account. This doesnt make any sense to me at all. Also, I have a few unauthorized credit inquires on my credit profile. I did not authorized noone to check my credit report. I have never done business with this company. I have attached the updated FTC report along with my Drivers license
Consumer complaint received 2021-08-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

I BECAME XXXX IN XX/XX/2019 AND ENDED UP IN A VA XXXX AND THEN A VA XXXX XXXX. UPON, MY RELEASE FROM XXXX, I CONTACTED MY MORTGAGE COMPANY ( FREEDOM MORTGAGE ) ; TO INQUIRE ABOUT A LOAN MODIFICATION, DUE TO MISSING A FEW PAYMENTS. I WAS SENT THE INFORMATION TO FILL OUT AND RETURN, WHICH I DID. I HAVE BEEN TRYING FOR 2 YEARS ALMOST FOR THE LOAN MODIFICATION. I HAVE COMPLETED SEVERAL PACKAGES DUE TO FREEDOM MORTGAGE CLAIMING A DOCUMENT IS ALWAYS MISSING OR SEVERAL ARE MISSING. I FINALLY GOT THEM TO ACCEPT A PACKAGE ONLY TO BE TOLD THAT ONE OF THE FORMS FOR ME TO SIGN XXXX OBSOLETE. THEY SENT ANOTHER FORM TO SIGN AND I EMAILED IT TO FREEDOM MORTGAGE. WHEN I CHECKED ON THE STATUS BECAUSE I HADN'T HEARD FROM FREEDOM MORTGAGE ; I WAS TOLD THE EMAIL WAS RECIEVED IN XXXX, BUT THEY COULDN'T READ IT. SO, I REPLIED WHEN WAS SOMEONE GOING TO CONTACT ME AND THEN I WAS TOLD THAT I WOULD HAVE TO START A COMPLETELY NEW APPLICATIOON. THIS MATTER HAS BE STRESSFUL AND VERY DISCOURAGING. FOR 2 YEARS I HAVE BEEN CHARGED LATE FEES AND INTEREST ON THE LATE PAYMENTS. IT HAS WENT FROM A LITTTLE TO A LOT OF MONEY. I FEEL, THAT I AM BEING DISCRIMINATED AGAINST, DUE TO MY XXXX ( XXXX MAN AND BEING A XXXX XXXX VETERAN ). " I KNOW I AM NOT THE ONLY TO GO THROUGH THIS. I KNOW I WON'T BE THE LAST TO GO THROUGH THIS, BUT AT LEAST I WANT ELSE TO UNDERSTAND THAT THIS IS UNFAIR AND THIS IS NOT RIGHT. JUST XXXX.
Consumer complaint received 2021-08-24
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)

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX  XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX, XXXX.-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pollack & Rosen, P.A. (FL)

As recent as last month, I have been requesting to have an old charged off account with XXXX XXXX removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for XXXX XXXX in 2018. 

They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

My original mortgage lender ( XXXX  ) sold my loan to Flagstar Bank. Simultaneously, I started working with XXXX XXXX  to refinance my loan. This is important to note that I did not choose to engage in business with Flagstar. XXXX XXXX paid of my loan on XX/XX/21. See attached documents for entire history with Flagstar. The payoff amount that was sent created a refund of XXXX, plus an escrow balance of XXXX created a total refund owed to me of {$4000.00}. I had never needed as refund before so I call Flagstar around the XXXX of XXXX and ask how it would work. They said they had 20 days to return the money and the check was scheduled to be mailed on XX/XX/XXXX. On approximately XX/XX/XXXX I received the original promissory note showing the loan paid off but no check. Per the envelope it was mail on XX/XX/XXXX. I called back around the XXXX and ask why I hadnt received the check with the note. They said the check could take the mail another 15 days. This made no sense. After having not yet received the check as of XX/XX/XXXX, I called back. A stop payment was put on the check and I was told a new check was going to be mailed out. I asked if the check could be sent XXXX  with tracking, ideally overnight. XXXX  manager was supposed to call me back. I did not get a call. After waiting 8 days and still no check I called back on the XX/XX/XXXX. I was told the check was created on the XX/XX/XXXX, but a manager was supposed to call me back to see if the funds could be wired. On XX/XX/XXXX, I called back and was told the check had been mailed on the XXXX. I asked for a wire to be send instead because the original check never made it to me, even after stop payment and the second check already appeared to be lost. The second check hadnt yet arrived after 5 days after the promissory note proved the mail only takes 2 days from Michigan to Colorado. The reps have lied, been deceitful, have not address the issue, are non-compliant with the regulation around refunds by mortgage lenders. They have placed the blame on the postal service and refused to seek alternative remedies such as wire transfers or XXXX  with tracking. This attitude extended all the way to the most sr. manager ( that I know oversees other managers ) of the payoff department named XXXX. Honestly, I feel they are holding my funds and using excuses. Returning my funds should not be this hard and I need help. This could go on indefinitely. {$4000.00} is enough that can cause hardship when a person still has another mortgage.
Consumer complaint received 2021-08-24
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: NAVY FEDERAL CREDIT UNION (MA)

I purchased a treadmill from XXXX XXXX XXXX on XX/XX/2020. The cost of the item was XXXX. When I received the treadmill it was damaged. I tried to return it and reported the issue the first day it arrived. On the website the company lists that there is a 30 day guarantee return policy. I attempted to return the product for an entire year and for some reason my return was never accepted and even when I disputed the transaction I lost the dispute. When I asked why, I was told by my bank that the information about the 30 day return policy was a new discovery but it was too late to dispute the purchase by the time it was discovered. Due to False Advertising and Poor Clerical Work I was robbed out of my money.