davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

My recent mortgage was underwritten by XXXX Mortgage ( BHM ) for XXXX XXXX XXXX XXXX XXXX XXXX ). During the application, we advised XXXX that we intended to make a large payment to the principal amount shortly after closing and seek a recast of the payments. We were advised by XXXX that we could do this at any time. Shortly after we closed and before we had made a single payment, our loan was apparently purchased by XXXX and servicing transferred to Specialized Loan Servicing ( XXXX ). When I called XXXX to do the recast, I was told that I would have to " apply '' for the recast, pay a {$500.00} fee, and that it could not be done according to XXXX 's internal policy until after 90 days had elapsed from closing. 

I spoke to XXXX and this is not a requirement it imposes, but seems to be imposed by XXXX at its volition in an attempt to generate fee and interest income by charging unwarranted amounts to consumers. It is not disclosed in any of the documents I received from XXXX, XXXX, or XXXX. This seems to me to be an unfair practice under the XXXX XXXX XXXX as it causes substantial ( financial ) injury ( in my case, I estimate more than {$2000.00} ) ; it is not reasonably avoidable as it is not disclosed prior to closing ; and its benefit is not outweighed by the harm it caused me and potentially numerous other consumers.
Consumer complaint received 2022-10-18
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. (TX)

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$23000.00}
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (CA)

To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. 
I sent this letter by certified mail on XX/XX/XXXX. Please refer to the exhibit 1a. On XX/XX/XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal XXXX department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U.

Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I refinanced both of my automobile loans to receive a lower interest rate. Initially, all of the credit bureaus had both accounts for both cars listed on my credit report. They ( XXXX, Equifax, and XXXX ) dropped my credit score by almost ( XXXX ) XXXX points because of the transfer of the loans. It is inconceivable that the reduction was warranted and fair, as I have a caucasian friend who sold his house and his credit score didn't drop a point. The blatant disregard for Consumers is obvious or should be and warrants an investigation of the entities.
Consumer complaint received 2022-07-29
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. (NC)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX  XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$51.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$78.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$150.00}
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Run Solutions, LLC (IL)

I wrote a letter to a debt collection company, Mountain Run Systems dated XX/XX/2021 disputing a debt and requesting the company to cease and desist any further collection activity. Today, XX/XX/2021, my wife received a series of text messages on her cell phone from this company demanding payment of the alleged debt. This is after my written correspondence requesting them to not contact us and after receiving 3 letters in response last week to my inquiry which were dated XX/XX/2021 demanding payment.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (NY)

I have requested numerous times from Spring Oaks capital -A SIGNED CONTRACT SIGNATURE PAGE FROM THEM -PROOF OF SALE OR BILL OF SALE THAT THEY PURCHASED THIS DEBT CFPB closed complaint XXXX previously upon their response that they have or had sent any of this. Their statement is a bold faced lie. They have not provided a contract or signature page of the contract in line with the fair credit reporting act, they also can not and have not provided proof that they purchased this debt which is too old to be on any of my credit reports. They only sent a list of the previous companies statement. they are not XXXX XXXX and if they were they would understand this debt is too old to be on my report and they would also be able to provide debt validation such as A SIGNED CONTRACT SIGNATURE page- which they DO NOT HAVE and a proof of debt purchase. if they can not provide both of those items per the fair credit reporting act they MUST remove from my credit report. Their reply to complaint # XXXX before it was closed is a bold lie. Please ask them to provide both. THEY CAN NOT. I do not believe this debt was purchased at all. I believe they pulled public records and do not have the right to collect this debt. Per the FAIR CREDIT REPORTING ACT THERY NEED TO PROVIDE XXXX ) A SIGNED CONTRACT PAGE WITH DATE AND MY SIGNATURE and XXXX ) PROOF OF A BILL OF SALE OR A SIGNED SALE CONTRACT FOR THIS DEBT.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I currently have a home mortgage with Chase and have received several offers from them to refinance at a lower rate. I decided to pursue their offer and filled out an online refinance application. I was soon contact by one of their mortgage specialist, XXXX XXXX, who went over the process and documents that I would be required to provide for the application process. She also told me they would need to charge {$500.00} to my credit card to proceed. I have her permission to do so and promptly uploaded all requested documentation. Several days later XXXX contacted me and said the also were going to require that a provide internal financial statements and tax returns for an XXXX that I have minority ownership of. The corporate board will not allow me to share that info and a relayed that to XXXX. She said the would not be able to proceed with the the refinance application and I said ok refund me my {$500.00}. She now refuses to do that.
Consumer complaint received 2021-02-25
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

Checked XXXX Credit Report on XX/XX/XXXX following discovery on XX/XX/XXXX that my identity had been stolen. ( Note that I submitted a police report following discovery of identity theft. ) When I reviewed my XXXX Credit Report, I found the following credit card on my report that someone else opened in my name : Account info Account name COMENITYCAPITALBANK/XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$140.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX, OH XXXX I submitted a dispute with XXXX, and all they did was to add the notes : Your statement I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2023-05-26
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is not reporting accurately on each consumer report for each company. Furthermore this debt is not mine. Please help with this matter in a timely fashion please. I followed up with each company but have not heard anything back.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-06-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (NY)

I have repeatedly tried to get ANYONE to see what this Company did along with XXXX XXXX XXXX and XXXX. If I get nowhere with my complaints I have no alternative but to have the XXXXXXXX XXXX XXXX file litigation in Federal Court. XXXX did not honor XXXX modification offered to me in XXXX of 2016. I was unaware that they were obligated to at the time. When I inquired about the modification XXXX had me complete another application. I sent a completed application to XXXX they claimed they were missing one document. The letter to me is dated XX/XX/2016. I sent the other document again and waited for yet another modification. Instead, I received a notice that they had received Judgement on XX/XX/2016. When I inquired why none of the modifications were honored they stated it was too late judgment was entered. This was pure discrimination between recorded remarks from employees ( stating I should have just paid the mortgage then I wouldn't have to worry about a modification ) and the way I was treaed.
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TN)

On XX/XX/22 I filed a complaint against Frost Arnett, complaint ID # XXXX. 
Frost Arnett replied, stating they would submit an itemized bill and remove the collection from my credit reports. 

I just received the itemized bill this past Saturday, XX/XX/22 ( although the letter and bill are dated XX/XX/22 and XX/XX/22 ). Please see attached. I thought I had 60 days to reply and was waiting on the requested documentation to appropriately reply, but the case was closed without being successfully resolved. 

You will find the attached itemized bill reflects {$580.00} owed, {$110.00} in payments made, {$460.00} in adjustments, and a {$0.00} balance. 

I called Frost Arnett today, XX/XX/22, at XXXXXXXX XXXX. and spoke to XXXX, asking her to review the bill and {$0.00} balance. She told me she could not see the bill and that another department could assist, but never transferred me to someone who could assist, and ended the call by telling me to call XXXX XXXX. Did Frost Arnett not save the medical bill in my Frost Arnett file for follow-up?

So, here I am again with Frost Arnett refusing to work with me and now having a {$0.00} balance. From very many online reviews there appears to be a pattern of miscommunication and a consistent lack of professional courtesy from Frost Arnett for those consumers who are attempting to work with Frost Arnett 's debt collection practices. Due to this as well as the multiple comments from consumers regarding debt collection being executed against them by Frost Arnett for medical bills that they did not owe, I am apprehensive to pay this bill without proof of debt.
Consumer complaint received 2022-10-13
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. (GA)

This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/22 Wire Transfer from Wells Fargo to XXXX XXXX  XXXX XXXX XXXX Beneficiary account number XXXX from Wells account XXXX for {$190000.00}. Wells is in the process of trying to recover the money but they did not try to verify the validity of the receiving entity. The person who did the transfer was XXXX years old and they did not take his age into consideration. They should not have approved the transaction. They have done a due diligence to at least call the wife who is co-owner who did not have knowledge of the transaction.Being a neighboring bank I used them for investments
Consumer complaint received 2022-07-29
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. (NC)

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$200.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2021-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CA)

I have been working with Mortgage Solutions Financial to resolve a lost draft claim for nearly 12 months throughout XXXX. In XXXX, our home had water damage where we filed a claim with our insurance company. The mortgage company held the funds and was to release them back to me as we completed work and received sign off. In XXXX of XXXX, construction was completed and all the final documentation was submitted to the lender for final disbursement. I contacted them and they said they had everything and would send out an adjuster/appraiser to verify the work was complete. That was done the second week of XXXX and I was told I would have the final disbursement in two weeks. 
In XXXX of XXXX, my load was transferred from one lender to another and during that process, all the paperwork for the lost draft reimbursement was lost by the lender. I had to work with them through XXXX to recover as much as possible to resolve the reimbursement which came in XXXX. 
During this time, the lender charged me late fees for the mortgage payments they were holding in lost draft and wouldn't release. I escalated often that this can be handled one of two ways, either pay me interest owed on the monies they incorrectly withheld and I will pay them the late fees or waive the late fees and I will waive the interest charges they should pay. They are unwilling to do either and after nearly 30+ phone calls, they fail to take ownership of their failure/mistakes and never have they owned the problem. They continue to pay not my department game and shuffle me back an forth to avoid accountability. Clearly they not only have faulted processes and systems but their employees and leadership don't take accountability for their actions as a company. This could be easily resolved but their leadership won't step up, which is disgraceful Please contact me for additional details as necessary.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Chex Systems is refusing to unfreeze my report for employment background check which means they may refuse to hire me. I need a copy of my report ASAP.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (NY)

Collection agency contacts my phone multiple times daily from different spoofed numbers. Today, an agent called my phone, left a voicemail, then proceeded to call my wife 's phone. On that call, the agent disclosed private information before verifying they were, in fact, speaking to a right party. As a debt collector myself, I know it is a violation of the Fair Debt Collection Practices Act to disclose information to ANY party before first verifying that they are speaking to the right party by confirming one private information ( such as date of birth or last four of social security number ) and/or a second piece of private or one piece of public information ( i.e. address or phone number ). They are then required to inform that it is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Also, in the state of NY, they are also required to inform spouses that, although a spouse can discuss their spouses debt, the spouse is not personally liable for said debt. None of these actions were taken on the call to my wife on XX/XX/21. The person asked if they were speaking to my wife by first name only, then proceeded to state that they were looking for me and that they wanted me to call them about a debt to discuss a settlement option before they took legal action. The same company then called my phone minutes later leaving their standard voicemail. The woman then called my parents phone looking for me. Four calls within an hour is definitely harassment according to the FDCPA.