davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (KY)

I contacted customer service for my mortgage co. on about XX/XX/2018. I had received an escrow analysis, which showed my account in the black ''. I asked the agent if I could pay extra escrow in order to maintain my same monthly payment. I had done this same transaction on my escrow account two years before ( to keep my payment at the same amount as previous year ). However, the agent said I could not contribute to my escrow and my payment would be going up XX/XX/2018. So, I told the agent that if over this year I contribute extra to my escrow in order for next years ' escrow analysis to show I have enough to cover any increase in tax or insurance. The agent said that no matter what I did to my escrow account, if tax or insurance increase each year, your payment will increase each year. I asked the agent if I had {$400.00} surplus in my escrow and my payment was to increase {$20.00} per month, my escrow would more than cover the increase even by keeping my monthly payment the same. to me this does not make sense. I want to keep my payment the same, as I am retired and on a fixed income. If I have some extra money during the year and what to put it in to extra escrow, so that my payment will remain the same ... .what is wrong with that?
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I used my 2006 XXXX XXXX as collateral for a loan with Springleaf now  know as OneMain Financial. the initial loan with the collateral was only {$2000.00}. When subsequent loans were made, OneMain will always attach the vehicle as collateral. They kept piling loans on the worthless collateral to the tune of {$8000.00}. I have never missed a payment with Onemain Financial. 
The vehicle is 12 years old with XXXX miles and worth nothing. I have tried to sell the vehicle to pay down the loan but no one would buy it. One Main agreed that if someone buys it for {$2000.00}, they would release the title to them. Unfortunately the vehicle has broken down for 2 months now and there is no way Ioan sell it. The cost for fixing the problem is {$3000.00} and not worth since other problems may come up. I do not want to throw money into it so I have decided to give it out for donation. I do not have space to store it and the mechanic is also asking that we pick it up as they dont have space for storage as well. 
I visited my local OneMain to discuss a solution since they had agreed that something could be done. However all attempts to resolve the matter so we get the vehicle donated proved futile. 
I even offerred to pay {$500.00} but that was rejected. The only thing they would do was to remove the insurance off the vehicle. 
The fact that all other loans were forcefully put under this collateral knowing very well the value of this vehicle is predatory and causing unnecessary hardships for me
Consumer complaint received 2018-07-05
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. (NV)

I used a XXXX XXXX credit card to make a large purchase, and paid it off the following week, I got a message from XXXX XXXX saying my score went down, when i checking Trans Union lowered my score by 49 points, because i used the card?? it was not over my limit and it was paid back right away, why would this be allowed and for that many points is just crazy, and not fair to the consumer at all, seems this is a win win for the credit companies, but consumer lose all the way around and i called twice and both times while the agent was speaking with me the call was disconnected, poor customer service and no resolution as they dont even give you a chance to speak, they have a standard corp speech the hand out
Consumer complaint received 2018-07-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

XX/XX/XXXXNew Hampshire Revised Statutes Title XLVIII - CONVEYANCES AND MORTGAGES OF REALTY Chapter 478 - REGISTERS OF DEEDS Section 478:42 - Fraudulent Filings. 
Universal Citation : NH Rev Stat 478:42 ( XX/XX/XXXX) 478:42 Fraudulent Filings. 
I. A person may not knowingly present for filing or cause to be presented for filing in a registry or other public office, any type of document that fraudulently purports to be a judgment or other document to memorialize or evidence an act, order, directive, or process of creating a lien without having been authorized under state law, the Constitution, or the laws of the United States. 
II. For purposes of this section, a document or instrument that purports to create a lien on, assert a claim against, or assert an interest in, real or personal property, is presumed to be fraudulent if it : ( a ) Is not certified or ordered by a court or a judicial entity expressly created or established under the Constitution or the laws of this state or of the United States ; or ( b ) Is not a document or instrument provided for by the Constitution or the laws of this state or the United States. 
III. Nothing contained herein shall affect the validity of a mechanic 's or statutory lien created pursuant to state or federal law. 
IV. If a register of deeds or other public official believes in good faith that a document filed with the registry of deeds or other public office purports to create a lien that is fraudulent, the register or other public official shall index the document only under the signer of the document in the grantor index and shall identify the document as a notice in the document type. No other names appearing on the document shall be indexed. 
( a ) The register or other public official shall send a copy of such document to the county attorney for the county where the document was filed or to the New Hampshire attorney general 's office for review and possible prosecution. 
( b ) The county attorney or attorney general receiving a copy of a document under subparagraph ( a ) shall send a notice of the action taken under this paragraph to the person presenting or causing such filing by regular mail at his or her last known address no later than the next business day after such action. 
( c ) Any such document or instrument on file with the registry of deeds or other public office presumed to be fraudulent or deemed fraudulent as described in this section shall be considered invalid, void, and having no force or effect on any named person or persons named within the document or instrument. 
( d ) Any register of deeds or other public official acting in good faith pursuant to this chapter shall be immune from civil and criminal liability. 
V. Any person who knowingly files a document or instrument to fraudulently create a lien on real or personal property shall be guilty of a class B felony. 
Source. XX/XX/XXXX, 86:1, eff. XX/XX/XXXX.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I first received a call from PORTFOLIO RECOVERY ASSOCIATES on XX/XX/2018 from the number XXXX XXXX. They did not leave a message. This number came up as spam on my phone. I searched the number, found it was linked with Portfolio Recover Associates. They have absolutely never contacted me through any other medium except spam calls. I have never received a letter or voicemail from this company. 
The following is a list of numbers and dates I was called from this company : XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX ( this is when I started blocking the numbers calling me ). NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL AGAIN ON XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL XX/XX/XXXX, XXXX XXXX NO VOICEMAIL
Consumer complaint received 2018-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (DC)

I have had a long running dispute with SunTrust on a modification I entered into in XX/XX/XXXX. 

SunTrust has sought to foreclose and I have vigorously objected to the action. 

I have been blocked from the mortgage payment website for over a year. 

I received a letter from Suntrust in early XX/XX/XXXX ( to be attached ). 

I called SunTrust to find a workout as outlined in the letter but was informed that they can't talk to me. I want to save my home and SunTrust isn't helping me workout a settlement.

I believe SunTrust isn't sincere or truthful about the workout scenario by their own letter and that they haven't called back or replied in 2 weeks.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX. XXXX.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within XXXX days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

My cash app account start declining my payments two weeks ago. Every day since I have emailed them finally after 50 emails I received a reply that the uia reported my account fraudulent. I had to send my identification and  birth certificate in which I was cleared. Now my account is still frozen with my money and I already proved myself.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I was XXXX from XXXX till XXXX in the XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX .. Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was incarcerated. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX reporting my Loan as OPEN with balance of XXXX while I PAID it off back in 2020 and took a NEW finance with XXXX XXXX 
I called XXXX and asked them to fix it they claimed the account is PAID OFF and they REPORTED it to the XXXX XXXX while I still see it as open with XXXX balance. It damages my FICO 2 score for mortgage heavily!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Equifax credit reporting company Has violated my rights under 15 USC 1692 the fair credit reporting act says If a consumer notify a debt collector that the consumer refuses to pay a debt, the debt collector must stop all communications. Also 15 1681 Equifax also violated my rights by providing information without my consent, according to the credit reporting act under the
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have the XXXX XXXX and it need my capital one bank statement and it won't let it pop up. I need that information. For the app to see so i can get my loan For rent
Consumer complaint received 2018-07-05
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. (NC)

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by XXXX XXXX and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XXXX beginning XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XXXX beginning XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter. 
XXXX XXXX
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

More than 2 month already passed after you said you sent to my address the proof of validation I requested from you. As today XXXX2018 I haven't received such as proof. 

This letter is a formal complaint that I believe your company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report the disputed debt to the CRA. These are clear violations of both the FDCPA and the FCRA. 
Not only have you ignored my prior requests for validation of debt. but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -A complete detailed history of all transactions ( including payments, credits, returns, etc ) -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive the proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 

If you send it, I want tracking number of the mail, or any kind of tracking.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

When I called Capital One about my account, XXXX Employee ID XXXX Told me that he could not serve me that Capital One had a special department for XXXX XXXX  and another for the XXXX. When he told me they had special departments I asked for a supervisor and for his location which he refused.
Consumer complaint received 2018-07-05
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. (IL)

I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

XXXX XXXX XXXX XXXX has an paid off collection account showing on my XXXX Credit report and this item has been previously paid off by my Doctors office. The item should have never been put into collections originally due to financial assistance programs I am on through the state. I myself have sent the paid invoices to XXXX XXXX XXXX and they agreed to remove the information from my credit reports with other bureaus, ( XXXX, XXXX  ) but the only report that still shows any collections owed months later are on my XXXX  credit report for 2 separate bills of {$110.00}. {$220.00} total! I really just want these 2 bills to be removed from ALL of my credit reports once since they have been PAID IN FULL!
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (KS)

want to get credit report from XXXX XXXX, some credit agency that just popped up that ive never heard from before, the other 3 I obtained my reports online, this one wants me to fax a copy of my social security card, doesnt seem safe at all, they are making it not easy to obtain my report for which i was denied credit,