davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (WI)

Plant Home Lending decided on their own to pay our property taxes on an annual payment when we decided to pay them in installments. The decsion to pay in installments was made at the closing table, we signed a form for this to happen. Now that they decided to pay in annual payments they have increased our mortgage payment from {$1500.00} a month to over {$2000.00} a month because of the escrow shortage they created. 
We have been calling them and talking to their escrow department since early XXXX of XXXX. Property taxes arent due till XX/XX/XXXX, semi annual payments due XX/XX/XXXX and XX/XX/XXXX. We have been calling customer service and their escrow department every 7-10 days that is becasue they said they were working on a resolution and it will take this long to process. it has been over 60 days as of XX/XX/XXXX. Our last call was on XX/XX/XXXX and they stated that the escrows are now setup for the semi annual installment plan. Now as of XX/XX/XXXX Planet Home Lending decided to at some point on the XXXX of XXXX to make the full payment. Planet Home Lending has now created a financial hardship becasue they couldnt correct a mistake they made for over 60 days.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I sent a debt validation letter on XX/XX/20 asking that they would validate the amounts of XXXX listed on each bill they claim I owe. This company has failed to validate my debt. Instead they sent a list of medical records which I know is a direct violation of HIPAA Regulations. I never signed a HIPAA Release Form authorizing them to have access to this information. My privacy has been violated completely. Please delete this from my credit file and cease all collection activities immediately.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Citi / AAdvantage Platinum Select card offers, " Spend {$2500.00} in three months and get XXXX XXXX XXXX bonus points. '' The problem is, you don't get 3 months because the clock starts the moment they approve the card. 
They will only send the card regular mail. They say that is 7-10 days. So they admit you won't get three months. 
Additionally, if card is lost in transit and they cancel and send new card, another 7-10 days from that point. So now we're at 2 weeks gone by ( at least ). 

Therefore, they are making an offer that they can never honor because no one is going to get 3 months. 

I believe the offer should say, " three months from time card is activated '' ( which is actually what I assumed was the offer ). That way, the consumer does get three months. 
The could even say, " three months from time card is activated or 15 days after approval, which ever comes first. '' That at least satisfies both parties ' needs. 

I have contacted Citi three times on this matter and they refuse to let me speak to a supervisor, they refuse to overnight the card, they refuse to give me card number so I can make online purchases. I was approved on XX/XX/2020 and it is XX/XX/XXXX and still don't have card. I have contacted XXXX XXXX three times and they finally called me today to say they will do nothing.
Consumer complaint received 2022-07-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OR)

Homepoint Financial Corp. transferred our mortgage to their service provider on XX/XX/2022. This change gave us a new acct no. We received 2 previous emails XXXX and XXXX stating that if our acct was autopay it will transition the autopay to the new acct and we do not need to do anything. It also stated that if our normal autopay was from the XXXX to the XXXX, they will run the autopay late for XXXX and it would come out on the evening of XX/XX/XXXX. I checked my checking acct on XX/XX/XXXX, and Homepoint took the autopay on the XXXX. Because of their email stating they would take it late in XXXX but they already debited our checking, I felt the need to call Homepoint on XX/XX/XXXX and be sure that there would not be any errors and them taking it out twice thus causing an overdraft. The CSR I spoke with assured me that if it was already taken out prior to the transfer, that it would NOT be taken out again in XXXX. 
Sat. XX/XX/2022, I received a text from XXXX that our acct was in overdraft status. We NEVER overdraft our account. I went into online XXXX and sure enough Homepoint ran the autopay twice in XXXX. They have no customer service on weekends so phoned them at XXXX Monday am. XXXX at Homepoint told me he saw a memo that this happened to other mortgages and that I would receive an email at any time on how they will resolve. I told him I want a supervisor as I need a wire transfer of this money back to my checking today. He told me he requested a manager to call me back. XXXX am, still no return call from anyone, no pending debit. XXXX am I left another message on the Homepoint return call line and as of XXXX am haven't been called back yet. This is unacceptable. This is not a small double payment, this is several XXXX dollars of an unauthorized debit.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 1st Franklin Financial Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (FL)

My son had some XXXX work done. He financed the {$6000.00} procedure with XXXX XXXX XXXX XXXXComenity Bank. However, the bank charged ME with the debt. I have made consistent attempts to get them to transfer the loan to my son 's name, but they insist that that they can not transfer the account and that my son is guilty of XXXX. They presented me with my " signature '' as evidence of my liability. 
Meanwhile, my credit rating plummeted, they constantly hounded me with threatening phone calls, and continued to accuse my son of XXXX. After a year and a half of this I showed my son a comparison of my signature with the one they had. Lo and behold, it was my son 's ( illegible ) signature all along! Yet, even when presented with this new evidence they persisted in the insulting directive to send my son to XXXX for XXXX! If there was any fraud, it was on their part not ours. Both my son and I have repeatedly tried to rectify this situation, but they will not listen.
Consumer complaint received 2020-07-06
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 AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO XXXX, EQUIFAX AND XXXX. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ORIONS MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I opened a Wells Fargo checking account as part of a promotion to earn a {$400.00} bonus. I set up part of my salary to be direct deposited to the account each month. I used this part of my salary to pay my rent as recently as XX/XX/XXXX. Because of COVID, my girlfriend lost her job, so I began transferring money out of the Wells Fargo account to my XXXX account that I share with my girlfriend so she could use the funds for expenses. Last week, I logged into my Wells Fargo account to check if I was paid, and the account was closed. I had, and still have not, received any communication at all about my account being closed. I have not received a single email, letter, or phone call. Because my account was closed without notice, I went past due on my rent because the account was not open to receive the deposit of my paycheck. When I called, the representative that I spoke with agreed with me and did not think it was right that my account was closed. He said the reason was no customer initiated activity in the last 60 to 180 days, but again, I had recently paid my rent on XX/XX/XXXX which he acknowledged. Wells Fargo closed my account for a bogus reason as a bait and switch to avoid paying out the promised bonus.
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2020, I was the victim of bank fraud. An individual walked into a Bank of America banking center, claimed to be me, and withdrew {$4000.00} from my checking account. The fraudulent transaction occurred in North Carolina ; I live in Maryland ( and was in-state taking a training course ). The individual did not use a stolen check, nor a stolen debit card, nor a stolen ATM card ; I purposefully do not have a debit card associated with this account. 

Through no fault of my own, a Bank of America employee failed to properly verify that this individual was, in fact, the account owner, and then handed the person {$4000.00} of my money. 

Bank of America is taking up to 60 days to investigate this fraud. In the interim, the bank IS NOT providing my a provisional credit of the fraudulent transaction. So, in the midst of a global pandemic, and the upcoming holidays, I am out {$4000.00}, cash. 

I've spoken with Bank of America fraud associates regarding the credit timeline -- I had read that banks must credit customers accounts within 10 days of fraud. Unfortunately, this only applies to electronic transactions and not to in-person teller transactions ( which should, presumably, be more secure ). 

I alerted Bank of America of the fraud on the SAME day that it occurred. I have filed a identity theft report with the FTC. I have flagged my SSN with credit bureaus.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

We received a modem for our childrens schooling. Was supposed to be free for first 2 months. We never used it and returned it. We were billed. I contacted XXXX  and they agreed. Now we have a bill in collections for something we never even used or have anymore. We were assured it would be taken care of. Now debt was sold with no explaination. Never even received notification for this.
Consumer complaint received 2022-12-15
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 XXXXXX/XX/2021
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  AND XXXX  XXXX XXXX should not be reporting to XXXX ; XXXX and Transunion inquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached ( XXXX ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to have these inquires removed however, I have not been successful.
Consumer complaint received 2023-06-01
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. (NJ)

I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a mental break down during XXXX. My mother passed away from XXXX XX/XX/XXXX, I was in a XXXX XXXX, I was diagnosed with XXXX in XX/XX/XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX daughters were in a terrible car accident my XXXX daughter almost lost her eye and needed XXXX  XXXX. I explained this to them I sent in my mothers death certificate and a copy of the accident with my daughters names listed and copies of their birth certificate as proof I was their mother. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to XXXX, XXXX and Equifax for the following violations : CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
Consumer complaint received 2021-06-09
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TN)

Are you the original creditor and do i owe you? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Freedom Mortgage Company (FL)

On XX/XX/2020, we conducted a real estate closing and wired a payoff to Freedom Mortgage Corporation in the amount of {$460000.00} to payoff loan number XXXX. A duplicate check was erroneously sent to Freedom Mortgage. Freedom Mortgage on XX/XX/2020 and was tendered for payment on XX/XX/2020 in the amount of {$460000.00}. We notified the escalation team of Freedom Mortgage on XX/XX/2020 of the issue and were assured the check would be returned to our firm. 

Upon being notified of the tendered check we have been in constant communication with representatives of Freedom Mortgage to no avail. Instead, they applied the funds to a different account known as Loan # XXXX On XX/XX/2020 we were transferred to XXXX XXXX at extension XXXX and we were informed that the error of the duplicate payment was resolved and we would receive a wire within 24 hours ( XX/XX/2020 ). The funds were not received and we were unsuccesful in attempting to communicate with Ms. XXXX. 

On XX/XX/2020, I spoke to XXXX ( ID XXXX ), and he was receptive to my explanation and we were assigned a new escalation member to assist us. The escalation team member that we are currently working with is XXXX ( ID XXXX ) at extension XXXX. She informed me that she reviewed the file and asked for 48 hours to review the matter. 

On XX/XX/2020, after not receiving any communication from XXXX, I called Freedom Mortgage and spoke with XXXX ( no ID given ) and she was able to connect me with XXXX. XXXX stated that we should be receiving a wire transfer containing our funds for the full amount of {$460000.00} by the end of the business day. Once again, we did not receive a follow up call from XXXX nor did we receive the wire transfer. 

Today, XX/XX/2020, I contacted Freedom Mortgage again to receive some sort of explanation. I explained the situation to XXXX ( No ID no given ) and she transferred me directly to escalation team member XXXX ( IDXXXX ) who stated she would contact XXXX and have her call us. 

Please note that these funds belong to our firm and are necessary for the operation of our firm. To date, Freedom Mortgage has acknowledged receipt of the funds but has failed to release the funds or provide any explanation as to why the funds have not been returned to us. The monies belong to our firm and are essential to the operation of our Firm 's service to the public. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( O ) XXXX XXXX XXXX ( C ) Attachments contain proof of outgoing wire transfer and tendered check
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount Recovery Systems, L.P. (FL)

The original debt belonged to my XXXX year old daughter XX/XX/XXXX. I was not aware of it's existence until checking my credit report in XX/XX/XXXX because the original bill was in her name. 
I called the collector and paid this debt via " direct payment '' through my bank with the bank customer service agent on the phone line on XX/XX/XXXX The company refreshed this debt as active and unpaid XXXX as of XX/XX/XXXX. 

They then sent me a letter dated XX/XX/XXXX confirming the debt paid in full with a {$0.00}. balance. 
Dispite my paying the balance on XX/XX/XXXX, ( and then sending me the confirmation paid in full letter on XX/XX/XXXX ) they reported the account as updated XX/XX/XXXX with the original balance of {$400.00}. as remaining active. 

They Did Not update the new {$0.00}. balance. I called them repeatedly and requested they update their report. 

As of today XX/XX/XXXX they still shows {$400.00}. balance unpaid. 
The correct {$0.00}. balance has not been submitted to my report. 
This deliberate negligence in withholding updated information has caused me hardship. 
Please Help Resolve. ASAP! 
XXXX XXXX XXXX.
Consumer complaint received 2021-02-22
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. (TX)

i sent transunion and XXXX letters on XX/XX/2021 regarding the inaccurate and incomplete items that they are reporting on my credit report and they hasn't did anything.this is my 4th attempt into getting this handle and they haven't verified anything nor deleted it.i will attached copies of the letters below
Consumer complaint received 2022-07-11
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. (TX)

On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent.

I did not give permission for any of these companies to furnish my information.