davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Castle and Cookie Mortgage LLC (AZ)

To Whom It May Concern : I am writing to formally lodge a complaint regarding the improper handling of my mortgage loan servicing by Castle & Cooke Mortgage, which has caused significant financial and emotional distress. Prior to XX/XX/year>, I maintained a flawless payment history with no late payments. However, since the servicing of my loan was transferred, I have been reported as having five late payments, all of which I strongly dispute.

Here are the key issues I have encountered : Improper Notification of Loan Servicing Transfer : I was not informed about the transfer of my loan servicing through electronic communication, phone calls, or other timely notifications. I only learned of the transfer when I received a collection call regarding a late payment. At the time, I was out of the country for my wedding in my wifes home country, which compounded the challenges of addressing this issue promptly. 

Mishandling of Payments : I requested automatic payment drafts to ensure timely payments, yet Castle & Cooke has repeatedly mishandled my requests, leading to unwarranted late payments. 

Failure to Address Disputes and Resolve Errors : Over several months, I have diligently attempted to resolve these issues by speaking with customer service representatives who seemed sympathetic and assured me that the late payments and fees would be reversed. However, the written decisions have consistently reaffirmed their stance without adequately addressing my concerns. 

Given these issues, I am requesting the following resolutions : Removal of all late payment entries from my credit report to restore my credit standing. 
Reimbursement of all late fees and penalties assessed due to these mishandlings. 
Transfer of my loan servicing to a different servicer to prevent further issues. 
The repeated errors, lack of communication, and failure to provide timely resolutions have caused significant harm to my financial and personal well-being. I believe that Castle & Cooke Mortgage has violated federal regulations and failed to meet the standards of care required of a loan servicer. 

I respectfully request the CFPBs assistance in ensuring that these issues are resolved promptly and fairly. Please do not hesitate to contact me if you require additional documentation or information regarding my complaint. 

Thank you for your time and attention to this matter.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (VA)

XXXX XXXX contacted my brother on XX/XX/XXXX by phone and text regarding an old debt of mine that was discharged in bankruptcy in XXXX. I have tried contacting them to notify them that the debt was discharged -- but I keep getting automated texts and no acknowledgment of the debt being discharged in a previous bankruptcy.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp. (FL)

After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Armada Corp collection company. They are reporting multiple medical collection accounts from " The XXXX XXXX ''. I have never received a dunning letter from Armada Corp. On XXXX I requested Armada Crop to validate the debt as I legally have that right as a consumer. They did not respond until XXXX and I received their response on XXXX stating I have 7 days to respond to them and provide payment!!! I have never signed a HIPPA release form with The XXXX XXXX. Armada Corp is also illegally charging interest on the alleged medical debt. I live in Florida and Armada Corp is located in XXXX, WA. Armada Corp is not a licensed collection company in the state of Florida. Armada Corp also has violated FDCPA by not changing the account status on my credit report reflecting the current accounts are under dispute.
Consumer complaint received 2022-09-26
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. (IA)

On or about XX/XX/2022 I disputed the completeness and accuracy of a trade line reporting on my consumer report and Equifax said they updated the account only for the account to be reporting the same way. This is my final attempt at resolving this before I file a federal lawsuit.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My complaint starts with XXXX I called Mr. Copper lending company to check on my payments for mortgage. The letter statement showed XXXX but checking the website its was XXXX. This confusing situation began in XX/XX/2022, I spoke to Mr. Cooper on the phone about my shortage in escrow of XXXX and I talk to customer service and gave my account number, and routing number to electronically withdraw from my bank account. It was not done they said due to insufficient funds which was not true. Again I tried in XX/XX/2022 and spoke to Customer service and I got the same response from the REP. of INSUFFICIENT funds in account. All not true, so I mailed a check of XXXX and wrote on check memo line ESCROW ONLY along with sticky note in PINK. They applied it to my principle balance anyway. I again I called and talked to REP at Mr. Cooper to move funds to ESROW ACCOUNT. In the meantime they charged me XXXX on XX/XX/2022 and XXXX on XXXX 
I spoke to XXXX at Mr cooper XXXX XXXX and she said its a fee from my bank due to Insufficient funds and Mr. Cooper was charged by my bank that amount of money. I called XXXXXXXX XXXX  and NO transaction was filed with them. Also the check I mailed XXXX was from the same account as electronic withdrawal. I want a refund of XXXX and XXXX
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a few inquiries that has been reported to Transunion that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting to my credit report Transunion inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Bank of America credit card got lost in the mail, someone stole it and used it On XX/XX/XXXX & XXXX to make some Phone and Hospital payments, the total was {$230.00}. I call them to cancel the card and make a claim, they issue a temporary credit on my account on XX/XX/XXXX & XXXX, but the person who fill the claim didnt state that the card was stolen, and as a result of this it was solved against me. They put back the charges on my credit card on XX/XX/XXXX even when they knew I did not make those charges. 

I call back again, and reopen the claim, making sure that they state that my card got lost in the mail and stolen. I never used that card. So they open a new claim, but didnt issue a new temporary credit. Then I receive the notice that my claim has been resolved and the temporary credit was now permanent. But there was no temporary credit on my account. 
I call back again, and they said to wait 5 days. So I wait, and nothing. 
I call back again, and they said to wait 48h. So I wait, and nothing. 
I call back again, and they said that in 48h theyre going to call me back to figure out when to give back the money, because they cant do anything. 

Bank of America refuses to give me my money back even after willingly accepting they made a mistake and I did not in fact spent it. 

They have stated in 4 different recorded phone calls I will get the money back in a certain timeframe, but every time they fail to do so, its almost like they just want to get me off the line and scrub this under the rug.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Consumer complaint received 2020-07-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have sent multiple disputes asking Transunion asking them to verify of immediately remove this collection from XXXX XXXX from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (AL)

These companies are reporting account as late payment doing COVID 19 I am asking for these late payment be removed it wasn't no way I could have made payments do to COVID-19 I caught XXXX XXXX and also some account are reporting inaccurate information.. credit central.. XXXX XXXX XXXX XXXX XXXX  XXXX  is reporting inaccurate information account belongs to my XXXX XXXX XXXX
Consumer complaint received 2020-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (NC)

Wilmington Savings Fund Society owns my second mortgage. The servicing company representing WSFS for this second mortgage, XXXX XXXX XXXX, took over servicing this second mortgage in XX/XX/2019. For the first payment for XX/XX/2019 XXXX sent me a bill for {$1400.00} in overdue fees. Without explanation in writing or over the phone, XXXX immediately put negative and false information on my 3 credit files which is a violation of FDCPA. For whatever reason XXXX removed the {$1400.00} after approximately 7 months. But statebridge will not remove the false credit information. Further, XXXX charged an additional {$90.00} in overdue fees without any explanation prior to charging the fee. This second mortgage prior to XXXX involvement was managed without incident for approximately 5 years with XXXX XXXX. XXXX has violated NC GS 75-1.1 for fraud and mismanagement in addition to violations of FDCPA.
Consumer complaint received 2024-10-16
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. (FL)

I need your assistance with the incorrect account thats currently listed on my credit report. This mistake has hurt my reputation, and I need your help to address it. Your inaccurate reporting has put me in a tough spot, and it has ruined my good name. You must remove this false information from my credit report.
Consumer complaint received 2020-07-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (MS)

On XX/XX/2020 I received a letter and repeated calls from NCB management services claiming I owe them {$1200.00} and they are representing an account for XXXX XXXX XXXX XXXX ( which I do not believe is a real and licensed business in the state of Mississippi ). I contacted them immediately because I did not believe I owed this amount, or anything at all to NCB or XXXX XXXX XXXX XXXX. I emailed their listed email address info@ncbi.com, and mailed them a physical copy- after no response in several business days, I called their number and spoke with someone named XXXX , he stated they received my email and letter and that all communications have stopped and I should not received any calls or emails about the debt owed ( per my request in the email/letter ). He also stated the company was working on providing me with the validation or how it can be resolved regarding my credit bureau ( as my email requested the trade line be fully deleted from my credit bureau ). I thanked him for his time and we ended the call. Since I have had zero information provided to me from them in anyway, they continue to send me collection emails ( last received one to my school email on XX/XX/2020 ), and they have not provided validation of this debt to me or any credit bureau other then their falsified charge off. Since it has been well over 30 days and they received my request via email, writing, and verbally, as well as verbally confirmed acceptance of these requests- I seek to have the trade line 100 % removed from all credit reporting agencies as they have failed to comply with the FCRA.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capitol One Walmart XXXX, XXXX, XXXX Customer service Supervisors. 
Poor customer service when trying to resolve debt issues. 
Credit Card balance still in debt after paying settlement amount. This company is ripping off consumers affected by COVID 19. Capitol One Walmart is still charging late fees on debts during this horrible pandemic.Taking advantage of consumers with false unclear settlement agreements. Walmart Charged XXXX on XX/XX/2020 to my bank card under false acknowledgement from phone Rep XXXX XXXX that after payment processed I would be debt free. I find out a mouth later I still owe a balance of XXXX. Every time I called CS I was bounced around from dept to dept never to resolve issue. This Credit Card company is not trustworthy and money grubbing consumers during COVID-19.This needs to stop.
Consumer complaint received 2020-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Sir/Madam, I purchased a merchant for {$240.00} online on XX/XX/XXXX. a representative of the merchant informed me that item was not available by email. She asked if I wanted to change to other item. I said no. I asked her canceling my order by email. However, the item was still was mailed to me. I asked the address I could return the item. I got no response. I informed my credit card company Capital one. They asked me the copy of invoice. date of cancellation, etc. I have no these document. All I have are the emails I communicated with the a representative of the merchant. The email proved me I have cancel the order before they mailed the item. I mailed the emails and fax to them, But I was still be charged back {$240.00}. 

Thank you for your time. 

XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-08
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. (LA)

XXXX XXXX XXXX  has repeatedly - 8 times- attempted to open a fraudulent line of credit in my name AFTER they have been contacted by me and told this was an issue of identity theft and I have filed complaints against them. Their only response is to tell me to keep my credit report frozen on all three bureaus. They are doing nothing to address the issue. Each attempt is a hard hit on my credit. Thankfully I have a fraud warning so these attempts get rejected but I still have to address it each time they attempt to open an account.
Consumer complaint received 2022-07-08
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX OTHER has violated my rights. 

15 U.S.C 1681 Section 602 A. States that 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 furniture an account without my written instructions.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

I have submitted multiple emails to PHH Mortgage services regarding my account modification offer but I have not received a response. The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attached documents ) It is absolutely critical that I receive responses in a timely manner to avoid any potential of foreclosure. I have had previous issues with the communication and misinformation provided by PHH Mortgage Services. ( Complaint ID XXXX ) I was required to reapply for a loan modification due their errors in communication. I have requested numerous times that PHH Mortgage Services respond to my inquiries via the email on file ... which is XXXX My account was billed a BPO cost and NC FC Prev Fee without my approval. I would like to have these fees refunded back to my account. They posted to my account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Also, I do not have access to my account online as it has been blocked by PHH Mortgage Services. ( See screen shot )
Consumer complaint received 2020-05-15
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.