davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

OnXX/XX/XXXX I received a letter in the mail that stated that Loan care my mortgage company purchased insurance because I did n't have any on my property XXXX XXXX XXXX XXXX MI XXXX. After several hours on the phone and several different operators I was informed that my insurance payment was do on theXX/XX/XXXX and they ( Loan Care inquired the loan on XX/XX/XXXX. So there for the old mortgage company did n't pay the insurance out of my escrow account and therefore insurance was n't renewed. immediately I had to call my agent and acquire new insurance from a new company do to know fault of my own. At the time the new insurance was acquired I was informed that the may prorate my insurance that they bought for me for the period that I did n't have any insurance. Several times while I was on a three way call I informed the operator it was n't acceptable for them to prorate the insurance that they bought for XXXX but would be acceptable for them to prorate the insurance that I bought for! XXXX I was informed at that time that nothing could be done with that at that time because they may not even keep any money I would have to wait 2 weeks. approx. 2 weeks later onXX/XX/XXXX I had plenty of time to look into what had occurred and I called them back to inquire about the money that was prorated. After talking to several operators again I was told there was nothing that could be done I would have to go after the old mortgage company. I asked several people who my old mortgage company was so I could contact them because I only showed them ever owning this loan since a year ago. She told me she could n't help me but she would transfer me to someone that could help. After talking to the next person she informed me that she did n't know what they were talking about Loan care has owned this mortgage since XXXX. I then explained to her that I beloved there was fraudulent activity going on in my escrow account and she recommended me talking to the resolution department. On XXXX the XXXX I was on hold with the resolution department and she stated she would look into this matter but agreed they did in fact own the mortgage and neglected to pay the insurance by what she could see. She at that time told me there would be a resolution to this probably by today by the end of the business day or no later than XXXX. Without saying nobody contacted me back by XXXX and I made contact with them again trying to get a resolution to this fraudulent activity that appeared to be going on. During this process I also inquired to them about my escrow balance that did n't seem to be right but they had no explanation.
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (WV)

I obtained a copy of my credit reports and discovered an account under Monterey Collections pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within XXXX days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]  Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2017-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I went through a mortgage broker after I closed my house I was told Freedom Mortgage was to be my new lender. As part of the closing of the house, my flood insurance was prepaid for XXXX years, home insurance for XXXX year, and property taxes paid for the quarter. This information was enclosed from a letter, fax, and telephone from myself and my insurance provider. They misbilled my escrow for an entire year. I spent dozens of phone calls, emails, ect which is more of an incompetence and customer services issue. So after the required XXXX year period I asked to be removed from escrow and was denied. I just got a letter XXXX weeks before my payment is due that my loan payment increased by over XXXX XXXX to combat an increase in my flood insurance for the year. I immediately called to correct them and it was taken care of. XXXX weeks after my XXXX XXXX payment I was contacted by collections saying I had missed my payment. Of course I check my bank statement and there it is. I call again and start the process all over. My new payment is due, my credit is in ruins, and I have been bounced from deptartment to department without settlement. First off a XXXX XXXX increase in a mortgage payment is criminal and should have raised eyebrows, but now i dont know how to fix it because obviously no one in the company is helping me. I cant make my payments, i cant send more evidence of prepayment. My taxes are unchanged and my homeowners insurance increased by XXXX dollars for the year.
Consumer complaint received 2017-10-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (DE)

ON OR ABOUT XXXX, XXXX XXXX HAS BEEN REPORTING MY VEHICLE AS A REDEEM REPO IN CLOSED ACCOUNT ON MY XXXX CREDIT REPORT. THIS INFORMATION IS INACCURATE, IN I WOULD LIKE FOR IT TO BE UPDATED AS SOON AS POSSIBLE. I 'M TRYING TO PURCHASE A HOME, IN THIS INFORMATION THAT THEY HAVE BEEN REPORTING IS REFLECTING NEGATIVE ON MY CREDIT REPORT. PLEASE HAVE THE COMPANY REMOVE THAT NEGATIVE REMARK. THANK YOU
Consumer complaint received 2017-10-28
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. (MS)

I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # XXXX
Consumer complaint received 2017-10-28
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. (MS)

I went to college on and off for years which I paid for and my employer paid for. I did not get {$40000.00} in loans to pay for my education. For many years, my credit report has shown where others have used my social security number to get credit cards, take money from my checking account, order on my XXXX credit card, which leads me to know that this to is fraud. I do not owe XXXX {$55000.00} for student loans. This is id theft and someone other than myself profited from student loans that have been linked to my social security number. My mother, nor my sister, never signed any paperwork for me to consolidate student loans according to the paper work that XXXX has mailed to me. This is id theft and it has caused my credit score to decrease from a good credit score to a very negative credit score. Please remove this information from my credit report as it is not my debt. 

XXXX XXXX Police Report # XXXX
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (SC)

I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (TX)

XXXX XXXX XXXX XXXX XXXX XXXX customer service representative without my consent blocked my XXXX XXXX XXXX. I called into their customer service inquiring about a purchase on XXXX XXXX, XXXX {$94.00}. The CSR said she is going to block the card. I explained, I only have an inquiry please do not block the card for I have a balance on the card. I explained I need to purchase medicine. The CSR blocked the card anyway and now I have to wait 7 to 10 days for XXXX XXXX XXXX XXXX to send another card. The money to purchase medicine was loaded on the card the CSR blocked and now I will have to wait 7 to 10 days to buy medicine. I am a XXXX XXXX XXXX.
Consumer complaint received 2017-10-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

This is my third complaint to have my issue addressed regarding mortgage payments through USAA XXXX XXXX that are not showing on all three credit reporting agencies. All three agencies are still only showing XXXX and XXXX payments being made to USAA XXXX XXXX which is incorrect. There are payments that are still not reported which are in turn diminishing my XXXX XXXX and credit in general. I have also asked now a third time that USAA XXXX XXXX reestablish my XXXX score which has diminished due to them not reporting payments that I have cashed checks signed by their company. Once again, I am only seeing XXXX and XXXX XXXX reported. There are other payments that have still not been reported by USAA XXXX XXXX XXXX. I need all payments as they have on XXXX file that have been received by their customer. Me. I also need my XXXX XXXX reinstated as was told by another bank in which they stated USAA XXXX can yes, very well reinstate your credit to all XXXX credit bureaus.
Consumer complaint received 2017-10-28
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. (CA)

XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years!  They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish  credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me,  and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Consumer complaint received 2017-10-28
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. (CA)

XXXX is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. XXXX is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Evans & Green LLP (MO)

Evans & Green, LLP in XXXX, MO was hired around XXXX 2017 to collect a debt from our business regarding advertising with a local tv station - XXXX aka XXXX XXXX XXXX. 
During the attempt to collect the debt this law firm as repeatedly come into both retail stores taking pictures, harassing employees telling them that the store will be closing because all assets are being seized, harassed employees over the phone. 
Now as of today this law firm has posted defaming comments on both stores XXXX pages on all of the posts attempting to announce the unpaid debt to all of our companies XXXX fans and customers. The posts appeared 21 times throughout both XXXX pages. 
This is clearly a violation of privacy and a violation of the Fair Debt Collection Act.
Consumer complaint received 2017-10-28
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)

Equifax is the bane of my existence! I have been dealing with them and these issues for over 3 years! They lie through their teeth about actually taking care of anything. I have been the victim of identity theft about 3-4 times so there is all kindf variations on my name. Bills, addresses, and phone numbers of states I never been to like FLORIDA! I was told I needed to reestablish credit. I tried, and due to their incompetence, I was turned down. Also medical bills are on my account that the hospital never reported to my insurance company due to the fact they illegally held me against my will. I called my insurance company and they had no idea that I was admitted to a hospital in Ohio which abused me, and tried label me XXXX XXXX to protect themselves and retaliation. Medical doctor laughed in my face, and bragged they were teaching me a lesson for reporting their illegal practices to the federal government. I confronted the hospital, and they claim there are no records of me that exist in their databases. Equifax is not doing their job. I plan on suing them if I have to for damages because of all the hassle, and frustration this has caused. Enough is enough!
Consumer complaint received 2017-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (DC)

I opened a US Bank XXXX XXXX account online on XXXX/XXXX/XXXX as part of a {$200.00} opening bonus promotion. The terms of the promotion required either direct deposits totaling {$500.00}, or two or more online bill pay transactions of {$25.00} each or more, within 60 days of account opening. I chose to schedule two bill pays : a {$250.00} payment to one of my XXXX credit cards on XXXX/XXXX/XXXX, and another {$250.00} payment to a different XXXX credit card, also on XXXX/XXXX/XXXX. The promotion terms state that the {$200.00} bonus is payable within 60 days of satisfying the bill pay requirement, so in my case, by XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I noticed that I had not yet received the bonus, and e-mailed US Bank customer service using their online banking secure e-mail service. The auto-reply promised a response from a US Bank representative within 2-3 business days ; no response was received. I called US Bank customer service by phone on XXXX/XXXX/XXXX to follow up. The representative noted that they would create a research request, and that I could expect a response within 2-3 business days ; again, no response was received. I filed a complaint with CFPB on XXXX/XXXX/XXXX ( complaint # XXXX XXXX, stating the above facts. On XXXX/XXXX/XXXX, I received a response from US Bank via the CFPB complaints portal that denied my claim based on the patently false assertion that I opened the account on XXXX/XXXX/XXXX - when in fact the account was opened one month prior, on XXXX/XXXX/XXXX, which was very much during the eligibility period for the {$200.00} bonus. US Bank has engaged in a bait-and-switch tactic and is now denying me a bonus for which I clearly qualified according to the terms of the promotion. I am therefore refiling this complaint, along with the necessary documentation to refute the false assertion made by US Bank 's representative, XXXX XXXX XXXX. 

In this refiled complaint, I am attaching : ( 1 ) the response from US Bank that contains the false assertion used to deny my initial complaint to CFPB ; ( 2 ) a copy of an e-mail received from a US Bank representative on XXXX/XXXX/XXXX to confirm that my account had been successfully opened ; and ( 3 ) copies of my XXXX and XXXX checking account statements, with the dates of each of the qualifying bill pay transactions highlighted. I trust that this documentation clearly demonstrates I complied with the terms of the promotion.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
Consumer complaint received 2017-10-28
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. (FL)

XXXX XXXX XXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX  2017. I informed them I would finance it through XXXX. I specifically called XXXX to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed XXXX credit inquiries, XXXX for XXXX and XXXX for XXXX XXXX. Also, Transunion shows an inquiry for XXXX and XXXX  for XXXX XXXX.
I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the XXXX '' to XXXX XXXX  management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XX/XX/XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion.
I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do XXXX credit inquiries for 1 sale.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Fed Loan Servicing is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and  was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.