davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Overview : Originally I wanted a 15 year fixed loan for a new home purchase. I was advised that I did not qualify. I was never given a reason as to why. I then was advised by my broker that I could make two extra payments per year and get the same outcome. I signed up in XXXX of XXXX for XXXX payments to accomplish this XXXX goal. I explained that I wanted XXXX extra payments per year. 

Complaint : Payments were misapplied from XX/XX/XXXX to XX/XX/XXXX. Gross miscommunication. I was never given the option to recast. 

The company was requested several times to stop XXXX withdrawals that resulted in overpayments of approximately {$10000.00}. Finally in XXXX of XXXX XXXX payments were stopped. 
However, In XX/XX/XXXX, I had received the attached letter regarding their new prepayment policy. HomePoint advertises that they have a NO prepayment penalty policy. 

I agreed to let the payments be applied for the next several months. 
However, I was never given the option to recast. The overdraft dollars were not applied to the principal. They were applied to future fees and interest. 


Attached : Payment history, personal record of conversations, XXXX letter from HomePoint.
Consumer complaint received 2022-02-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I asked PHH Mortgage company several times for my year end interest statement so I can do my taxes. They told me they do not generate one. I was just transferred to them in XXXX from XXXX XXXX ( XXXX ) who also did not send me one. I can not do my taxes without knowing how much interest I paid to each of them. This is not legal! I have received those figures in the past. What is the big problem? Are they not reporting it to the IRS? They answer I get when I requested is '' we do not do that '' So what do they do? Charge exorbitant interest rates and leave the consumer hanging? Why could I get it in the past? I have had this mortgage since XXXX and never a problem until XXXX. Can you please help me get this info prior to XX/XX/XXXX when I am required to file?
Consumer complaint received 2022-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-30
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: Lendmark Financial Services (GA)

I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 


Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 


Furthermore, the Installment loan was an approval of a specific extension of line of credit used by my Social Security Card and Identification card. 
15 USC 1602 Definition of rules and construction States : ( I ) 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. 

( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have been trying to log into my account and call Comenity Bank to pay my bill for several days. Can't contact them at alI ( phones ine, went on XXXX to contact someone about the general issue I have been having, so many others having the same issue. If I can not pay my bill, I should not have to pay any late fees. 
Thank you for your time. XXXX
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (GA)

In XXXX of 2021 my loan was sold to Selene Finance LP by XXXX XXXX XXXX. I have not received any statements by mail or email. I am currently in bankruptcy and my attorney has not received any information concerning the statements. I have requested no less than 5 times in the last 3 months that a statement be sent to my physical address. I found an address to send the payments. But I do not know how many payments I am behind, what the exact amount of the payment is, or when the payments are due. It is very frustrating when I am making every effort to be current on all bills and the mortgage company refuses to send out statements. I am concerned there is a chance this company can file foreclosure on my home.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

Hello, This account that I am disputing, XXXX has been on my report before and I went through the credit bureaus, and they could not find anything tying me to this debt and it was deleted back in XXXX. A few months ago, I was contacted by the same company, and I told them to contact me by mail. They contacted me by email on XX/XX/XXXX and I wrote them back XX/XX/XXXX asking them to provide proof that I have this debt. They never provided proof and just added this to credit report. I have proof showing that I contacted XXXX during the 30 days for them to provide how I am tied to this debt. 

Thank you.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

It was XXXX when my phone and debit card were both stolen. XXXX XXXX, you can read app and text messages/notifications with your phone locked. That is how the money was stolen from the card. I immediately locked my debit card and ordered a new one. XX/XX/2022 a transaction for {$700.00} was posted on my account. The merchant was an online tech company, XXXX. Before this, I had never heard of it. The Capital One support team were very minimal with questions, which may also reflect on the extent of their investigation. My fraud claim was denied twice, even after explaining that my phone and card were stolen. They would not provide me with any reason for denying the claim.
Consumer complaint received 2022-01-19
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. (IN)

I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years.

Here are just some of the errors being reported by all three bureaus : 1. Incorrect start date. 2. Incorrect last verified date. 3. Incorrect last payment date. 4. Incorrect closed date. 5. Incorrect account status. 6. Account number is not visible and complete. 7. The creditor name is abbreviated. 8. The supplier/creditor information is incorrect. 9. Late payment history is physically impossible. 10. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. Experian has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. XXXX has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bread Financial Holdings, Inc. (NJ)

Bread Financial ( formerly Comenity Bank ) online bank services have been inaccessible to everyone for over a week straight now ( XX/XX/22 - XX/XX/22 ). I, along with others, have been unable to view any charges and transactions history in any of my credit cards that I have with this banking institution. This appears to be in violation of the terms of their services to their consumers. I am also unable to make payments on any of those credit cards. This will hurt my credit. The bank has stated that they are " currently undergoing a planned system update that has taken longer than expected. '' However, they did not announce this update to its users and are not being transparent about what is taking place. I am the one who has to has to suffer and potentially incur fees and penalties for their mistakes.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (LA)

I submitted a Qualified Written Request ( RESPA ) to LAKEVIEW LOAN SERVICING LLC on XX/XX/XXXX via registered mail. Their Loan servicer, XXXX XXXX acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per 12 CFR 1024 if they are not obligated to respond to my RESPA request, they are supposed to notify me within 5 business days from their decision not to respond. I have not received any correspondence from LAKEVIEW or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been 41 business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to XXXX today XX/XX/XXXX @ XXXX central time. The call lasted 25min 36sec with XXXX XXXX I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( 25 business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, LAKEVIEW nor XXXX. This is also out of line with the FDCPA. Legal action will be taken.
Consumer complaint received 2022-02-28
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. (IL)

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question.

I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation.

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. I request that this information be blocked and removed immediately.
Consumer complaint received 2022-06-28
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. (CA)

I have been dealing with Transunion for some time now. Still to no avail, they have not helped me. There is an account on my credit profile, that has inaccurate information reporting. XXXX XXXX - XXXX. The date the account was opened is incorrect. 
The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute XXXX XXXX
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor contacted MIDLAND CREDIT MANAGEMENT in writing on XX/XX/2021 requested validation of alleged debt and cease and desist of alleged debt. MIDLAND CREDIT MANAGEMENT has yet to respond in the given XXXX day time period that was given. This alleged debt continues to show on my consumer credit report and has not been reported and disputed. I have received no communication from MIDLAND CREDIT MANAGEMENT to validate this alleged debt. MIDLAND CREDIT MANAGEMENT has harmed me and my credit report and file due to housing unverified and unvalidated debt on my consumer report and they are now civilly liable to pay me for damages.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (FL)

In accordance with fair credit reporting act XXXX XXXX XXXX ACCTOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-28
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. (CA)

I recently disputed two negative accounts reporting on my credit portfolio. 
XXXX - XXXX XXXX - XXXX I've contacted both Experian and XXXX. XXXX never responds. Experian responds and says information has been updated. Still, I see no change on my report. Both accounts have inaccuracies reporting. The dates the accounts were opened are both inaccurate. The dates of last activity and last payments are both incorrect. XXXX is being very sloppy and unprofessional by not responding to any of my requests. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating the account to prolong it being on my credit report. I have emailed and sent certified mail copies of proof that the information being reported is incorrect.
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I realized that I have a ton of inquires that I did not authorize and it is a lot of work to contact these companies. By time I get off work the credit reporting agencies are closed. Being that XXXX, TransUnion and XXXX are reporting these inquiries I would like them to remove them.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (TX)

While in the process of refinancing my mortgage, Flagstar charged me {$30.00} to supply payoff statements by email to my new lender. This fee was assessed 3 times, for a total of {$90.00}. I was not made aware of the charges until the day of closing, so was unable to avoid this fees. These charges are deceptive, extortionate, and insanely excessive. 

Flagstar Release of Lien misspelled my name.

I attempted to contact Flagstar regarding these issues, they stated that there would have been no fee to have the payoff statements mailed. This doesn't make any sense since mailing is the only option that would have cost Flagstar money. I was never informed of the $ XXXX statement fee, nor given the option to request payoff by mail. Since I can generate payoff statements for free online, $ XXXX is insane. 

Furthermore, this fee was deceptively listed on the payoff statement as a " email/fax fee ''. I had to call for an explanation. Having been transferred several times, they eventually hung up on me.
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

This company is calling in an abusive manner. They are calling 10-12 times a day and XXXX times in a row. They've been asked to stop calling. I was told that they are collecting a debt from XXXX. I called XXXX and they confirmed that not only do I not owe any debt, that all my accounts from previous addresses have a {$0.00} balance. These constant, abusive calls must end before I file a complain in XXXX XXXX civil court.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

In accordance with Fair Credit Reporting Act, US DIST CT account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX  XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.