davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
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. (NE)

XXXX XXXX Experian and XXXX are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (TX)

In early XXXX, it came to my attention that my mortgage lender, CMG Financial, had paid my property taxes for XXXX and XXXX to the wrong property. I only learned of this because the XXXX of XXXX XXXX informed me they were close to moving forward with foreclosure due to non-payment of taxes. I had seen that the taxes were " paid '' from my escrow account, but the lender paid them to the wrong unit. I confirmed that they got paid to unit XXXX in the same condo complex. My unit is number XXXX. 

While this does occasionally happen, the amount of time and effort it took to correct this was excessive. In the end, CMG paid the taxes, but the base amount had been increased by the XXXX of XXXX XXXX due to the late payments, and penalty and interest was also added. 

The original base amount for XXXX years of taxes was {$7200.00}. When the taxes were finally paid, the base amount had been increased to {$7800.00}, and additional penalty and interest was added to total {$8300.00}. CMG Financial paid me back for the original ( lower ) base amount of {$7200.00}, but did NOT pay me back for the difference of {$600.00}, which was deducted from my escrow account to pay toward the larger amount assessed by the XXXX of XXXX XXXX. 

I spoke with a representative of the XXXX XXXX XXXX XXXX Treasury, and he stated the original base amount was {$7200.00} and would have been paid in full for that amount if it had been sent to the correct property on time. They are going to email me the original bills totaling {$7200.00}. The larger amount was a result of the delinquent payment, which was CMG Financial 's fault since they paid my escrow funds to the wrong property. 

I can tell you that it is essentially impossible to reach anyone in customer service on the phone. I've spent HOURS on the phone on more than XXXX occasion, pressing " XXXX '' every XXXX minute to verify I want to continue holding. I've left multiple voicemails with customer service. I've also selected the option to " keep my place in line '' and get a call back several times, but I've never once had the call returned. 

I've sent multiple requests through the customer service portal for a call so that this could be easier explained, but I get a message through the portal stating they gave me the refund, and no further funds are due to me. I disagree. CMG Financial owes me {$600.00} due to using my escrow funds to pay the additional fees for their delinquent payment. 

I am not sure how to prevent this tax error from happening again in XXXX, but the unit has a unique legal description like all properties, so any confusion about the address should be a non-issue. 

XXXX XXXX
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

Mr. Cooper assumed responsibility for my fixed mortgage beginning XX/XX/XXXX. The first statement matched my previous monthly payments of {$3900.00}. The following month the statement increased {$4400.00}. In reviewing the statement it was primarily due to an increase in escrow from {$1500.00} to {$2000.00}. Knowing my taxes and insurance hadn't increased significantly it didn't appear correct so I called Mr. Cooper on XX/XX/XXXX and was able to confirm with the customer service rep I spoke with ( XXXX ) that their records reflected the following : -annual taxes were listed as {$17000.00} -annual homeowners cost was {$2700.00} -there was a shortfall in escrow of {$270.00} -there had not been an escrow analysis run by Mr. Cooper since taking over my mortgage -they claimed they did not change escrow charges without an analysis.

Getting that information took 56 minutes, every question was responded to with a pause of over several minutes until I would ask if they were still on the phone. 
I review the above numbers with XXXX and asked her to confirm that if an escrow analysis was done would the logic be to add the above numbers and divide by XXXX to reach the new escrow charge. She confirmed yes, we went thru the math ( total = {$20.00}, XXXX divided by XXXX = {$1600.00} ) and XXXX agreed. When asked what could be done XXXX responded " nothing ''. I asked if there was someone else that would be able to do something or at least explain and was transferred to XXXX who claimed she couldn't access my records, and suggested I call back later in the week. 
Feeling a little unsettled that my mortgage company didn't seem to have access to my records I submitted a " qualified written request '' as they suggest on the monthly statement explaining my concerns as well as all the details listed above. 
I called back on XX/XX/XXXX and spoke with XXXX. I recapped the earlier conversation with details and she said all she could do was " initiate an investigation ''. 
I received a response to my " qualified written response '' stating they would get back to me by XX/XX/XXXX. 
My overall impression is disorganization or incompetence- not feelings one likes to have towards the keepers of ones mortgage.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (TX)

On Saturday XX/XX/XXXX, I had deposited {$600.00} into my account and now I have learned that my account was frozen due to transactions that I have verified multiple times over the span of six months and having to go to the branch multiple times and it has been inconvenient and frustrating beyond belief. I have spoken to Truist multiple times to their debit card fraud department and now their enterprise fraud management and they're saying my account is under review and the money I deposited was money from my mother and was to be used for rent and now its behind and I'm beyond frustrated. They have done this over a span of six months where I have had to verify transactions such as XXXX XXXX XXXX XXXXXXXX purchases and it is ridiculous.
Consumer complaint received 2023-11-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

Westlake Portfolio Management stole my personal vehicle on XX/XX/XXXX from XXXX parking lot at XXXX. The XXXX address is XXXX XXXX XXXX, XXXX GA, XXXX. 

I reported the stolen at XXXX with A XXXX XXXX XXXX and received a case number On XX/XX/XXXX at XXXX, I spoke with XXXX and requested evidence of the original contract. I also requested evidence that I gave Westlake Portfolio Management permission to obtain my securities. XXXX ( XXXX ) informed me he would have to transfer me to his supervisor XXXX XXXX to speak about the securities. XXXX also informed me that he put in a request for evidence of the original contract. 

On XX/XX/XXXX I called at XXXX and spoke with XXXX ( XXXX ) and she transferred me to XXXX XXXX her supervisor. XXXX gave me the personal number to XXXX XXXX. In the voicemail, I demanded evidence of the original contract which is an asset. 

on XX/XX/XXXX @ XXXX XXXX. I spoke to XXXX who transferred me to XXXX XXXX, the individual who has been working on my file. I informed XXXX that the time allotted XXXX hours for the contract has almost passed. He informed me to keep calling back until I received the email. As of XX/XX/XXXX, no contract has not been received. 

on XX/XX/XXXX I spoke with XXXX and emailed my notarized XXXX certificate of origin document to Westlake as evidence that it is my personal vehicle and Westlake in conjunction with XXXX is restricting my constitutional right to travel.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

XXXX XXXX XXXX and Transunion are reporting incorrectly a collection in the amount of {$2300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was originally with XXXX XXXX. The money borrowed on the credit card had a term of ( 12 ) months at 0 % interest. I was making the required monthly payments on-time. XXXX XXXX did not honor the terms of the agreement and started to charge interest prior to the expiration of the promotional period. I was continuing to make the monthly payments without knowing that the payments that were being made fell short of the monthly amount due. I was never notified that XXXX XXXX had started to charge interest ( prematurely ) and that the monthly payments had changed. It came to my attention that this account went to collection when I obtained a recent copy of my credit report. This account has since been paid and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc. (AZ)

- My credit report was falsely accessed and without legal authorization twice with inquires placed on my file thus lowering my credit score and hindering my families way of life from XXXX XXXX XXXX XXXX   Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (FL)

I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : APPLE CARD/GS BANK USA XXXXXXXX . I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NYXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VT)

I have a monthly account with XXXX  as I have been preparing for a mortgage for this year. I pay to have all 3 pulled together monthly on the XX/XX/XXXX so I can also see my Fico 8 score and my mortgage score and get it to where its needed to secure a mortgage. I had recently pulled it manually on XX/XX/XXXX because I had paid things off and wanted to see where I stood and I wasnt able to get the report from Equifax but had no problem with a new report through the other 2 bureaus.

I also tried directly on the Equifax site and havent been able to obtain one since  XX/XX/XXXX. I immediately called Equifax and was told I had to verify my identity and send them a copy of my s.s. card, license and utility bills. I immediately faxed that on XX/XX/XXXX. I called them a few days later they confirmed all the information and verified that it was good and continued on to ask some more identification questions to pass. Once that was done she said all was good and she would process everything. When she did that she said an error was coming up and that it needed to be escalated to consumer affairs but unfortunately they werent open at that time. I spent more time during the week calling having to verify information again with questions, having calls drop regularly and their phone systems not working properly. Finally on Saturday the XX/XX/XXXX after many dropped calls and hours on phone I was sent to consumer affairs. They said it was just a matter of updating names because of the capitalization and lowercase and uppercase. That was there reasoning for my mismatch error I was getting through XXXX, so they say. During the updating he suggested I go directly through equifax too and purchase their product so I agreed but they had problems with that and said they would put a ticket in and figure it out but that wouldnt affect my credit being pulled anywhere. They assured me I would not have any problems with my report being pulled. Well today XXXX could not automatically pull my 3B credit score and report with equifax because of mismatch information. They said they fixed it and I spent hours on the phone and am at my wits end. If I call back I will go through all the verification again if Im lucky Ill get to the consumer affairs. They didnt seem to really know how to deal with this. I have a mortgage application that I will need to pull to begin my process come end of XX/XX/XXXX and this right now does not help and Im not sure where I completely stand without those scores included. Im reading horror stories of many others having their mortgages held up because of this. I find that this happening in our country to be unacceptable to not be able to pull our own credit report and feeling held hostage by one company. I would very much like this resolved. 
Any help going forward would be appreciated. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX
Consumer complaint received 2020-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MO)

To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from ACCOUNT RESOLUTION CORPORATION COLLECTION AGENCY stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I contacted XXXX via XXXX XXXX mail and Fax. XXXX claims its been verified the XXXX XXXX  on my public record as Accurate and True. They cant verify as such. I have a letter directly from the XXXX XXXX  Bankruptcy Court saying they report to NO ONE!! XXXX is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have XXXX interaction with the court. Ive asked XXXX for proof for 2 years!! I want legit documents, emails or postal mail. XXXX can not produce evidence that they have been in direct contact with the XXXX Bankruptcy Court regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from pacer. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

XX/XX/2023 : I contacted all three agencies Equifax, XXXX and XXXX. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.
Consumer complaint received 2023-11-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (SC)

I am a XXXX XXXX XXXX XXXX, and I have been asking for help to discharge this account since 2016. I was trying to keep up with payments on the account, until I figured out the proper way to discharge it, but I just fell behind in the account. After taking a deeper dive, I realized due to 20 U.S. Code 1232g, this account should've never existed or shown up on my credit report ... as, No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. 
What makes matters worse is they have slandered me to the credit bureaus and they did not have my written permission in order to do so ( 15 U.S. Code 1681b ).
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.