davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I have received your letter dated XX/XX/XXXX and a random statement that shows another amount that further shows the illegitimate nature of the information given from your office. There was also no mention of how you will address the complaint of your office violating the FDCPA in contacting multiple times and giving my personal information to persons other than myself. 
I have NOT received a validation response to my request for verification of the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 U.S.C. 1692g ( a ) the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects the interest, fees, payments, and credits from a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me as requested in my previous letter. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR, VERIFICATION OF THE DEBT WITH ORIGINAL CONTRACT FROM THE ORIGINAL CREDITOR WITH MY SIGNATURE, AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE DEBT ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR, PLEASE INCLUDE THE ORIGINAL PURCHASE AGREEMENT THAT SHOWS YOU ARE THE OWNER OF THIS ALLEGED DEBT, ALSO INCLUDE THE TERMS AND CONDITIONS THAT ARE INCLUDED IN THIS PURCHASE AGREEMENT. 

PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX Circuit XX/XX/XXXX ) and XXXX U.S.C. XXXX ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt and the debt amount. 
Please do not look at my credit report or report anything to my credit. I dispute I owe this debt to you and that dispute should be stated on my credit report if you have already reported this debt. Do not contact my credit report. I am also requesting that any and all further communication be done via certified mail to insure that I receive any correspondence timely. 

Please State why you have a permissible purpose to contact my credit. Please note that I dispute this debt. 

Thank you for your immediate cooperation.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview Loan Servicing is consistently sending me letters that I am default in my mortgage payments and sending me statements that do not show accurate payments to my loan account. I am continually getting letters indicating that they have representatives available to get me appropriate counseling for my financial troubles, which I've never had with my mortgage companies. Recently, I received two certified notices, one addressed to my beloved deceased mother titled " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' dated XX/XX/XXXX. The second notice was sent to me, see attached copies. Since XXXX, I have never defaulted on any payment for my mortgage and always paid on a timely basis. I have had to resort to sending my monthly payment by certified mail with the USPS so that these payments may be traceable. I have all the documentation necessary to bring a formal complaint against Bayview Loan Servicing. 
The unprofessional tactics have caused me much distress. I have on many occasions called their offices to resolve this ongoing harassment. I have even advised them that I would retain legal counsel if this unfair treatment did not stop. Therefore, I am appealing to your agency to investigate Bayview Loan Servicing for the complaint herewith formally submitted.
Consumer complaint received 2018-05-30
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. (NY)

My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Consumer complaint received 2018-05-31
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: Experian Information Solutions Inc. (FL)

Over 30 days ago in XX/XX/XXXX, I disputed an inaccurate account with Experian regarding XXXX XXXX Bank account number XXXX. Experian responded in XX/XX/XXXX by saying they had completed their investigation into my dispute and updated the status/account/information. Because they did not accurately investigate my dispute by looking at actual documents from XXXX XXXX bank to validate the accuracy of the information, Experian reported on my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. Because of Experian 's blatant error and disregard for the law, this information negatively impacted my credit score and I am in the process of purchasing a house. I was forced to file a complaint with the CFPB ( XXXX ) on XX/XX/XXXX. Experian then responded that they now need EXTRA time to RE INVESTIGATE my dispute by contacting the data furnisher to verify accuracy. IF Experian had verified the information of my dispute in the first place, they would have NEVER updated my credit report in ERROR. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 because, through their response to my complaint to the CFPB requesting additional time to re-investigate, they have ADMITTED that they never investigated my dispute in the first place. This is against the law, but more importantly, you have affected my credit due to your lack of investigating. You do not get extra time! The law was clear, you had your time to investigate my dispute and CLEARLY YOU DID NOT. There are no redo 's! You NEVER validated anything with XXXX XXXX, so this account needs to be deleted IMMEDIATELY because we are way past the 30 day investigation period.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

We closed on a 203k Loan in XX/XX/2016. All repairs were to be completed within 6 months. 
Weve had 3 different Contractors in the House for nearly 2 years now! Weve been making a mortgage payments on a fully completed project for 2 years and the project is not completed The HUD inspector never actually looked at the Contractors work ( which he is paid to do ) therefore, Contractors were paid on bad work .. ( floors ruined, ceilings leaking, sloppy unprofessional work.. horrible tile, items left in property.. just total disregard for the consumer We had to pay for 90 % of the materials out of pocket even though it was covered in the 203 k! 
Someone needs to be held accountable Can you help us please
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MI)

Dear sir or madam, I opened Wells Fargo everyday checking on XX/XX/2017. At that time, Wells Fargo bank had a promotion to open a checking account. It states that within 150 days of your account open date, your account must receive total qualifying direct deposits of at least {$500.00} per month for 3 consecutive months. We will deposit the {$200.00} checking bonus into your new checking account within 45 days after eligibility and qualifications have been met. 

I met these promotion conditions and did not receive the {$200.00} bonus within 45 days. Therefore, I called Wells Fargo customer service and spoken to a supervisor. She reviewed my account carefully and told me that I have met promotion conditions and I will receive the {$200.00} bonus within 14 days. After 14 days, I still didnt receive the bonus and then I received a letter from Wells Fargo and mentioned that I am ineligible for the promotion. This is contradicted what the customer service supervisor told me. And I believe that I have met all Wells Fargo promotion conditions. 

Please help me to investigate what happened, let Wells Fargo honor what they promised and deposit {$200.00} bonus to my checking account. 



Thank you very much for your help! 
XXXX XXXX
Consumer complaint received 2018-05-31
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. (NV)

I'm filing this complaint because EQUIFAX, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX credit card ( XXXX XXXX ) charged off my credit card account on XX/XX/XXXX to Portfolio Recovery. 

Portfolio Recovery relisted my account as Delinquent on XX/XX/XXXX for the same debt.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MA)

Hello. I underpaid Chase by {$40.00} on XX/XX/XXXX by accident for my XXXX payment, which was less than 1 % of my total bill owed. I am strictly a conveniece credit card user and pay my bill in total every month. I have had a credit card with Chase for years and they know my payment history. They charged me interest of {$24.00} on my XXXX statement and {$7.00} on my XXXX statement, totaling {$32.00}, almost as much as the {$40.00} payment for misreading my statement. 

I called and complained last night ( XX/XX/XXXX ) and was told the interest will be credited back to my account. It hasnt been credited back yet, prompting me to write this complaint. I recently moved and have had some large charges on my credit card and Chase applied the interest rate for the total charges on my account, all because of misreading my balance due. This is outrageous! Customers like me should be given the benefit of the doubt! If I hadnt frozen my credit reports after the XXXX breach, Id immediately cancel this card and apply for another. This practice by credit card companies must stop! 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (NY)

In late XX/XX/XXXX, I was notified through XXXX XXXX, that XXXX XXXX  had placed a collection item on my credit report. I called XXXX  and spoke to a representative. I advised them that I have not been a student in near 18 years and was unaware of any private loans or balances owed to anyone. The woman stated the only information she had was that the account was purchased in XX/XX/XXXX. I requested verification of debt. I have never received such. I disputed the account through XXXX XXXX and the account was removed from my credit report. I have now been advised again that they are reporting this debt. I am unaware of any outstanding debt owed for higher education. Furthermore, I have never received VOD upon request to the company. The Company, in effort to avoid illegal practices under the FCRA and FDCPA are placing an account with an open date of XX/XX/XXXX. If there was a higher education debt, it would most certainly be time barred as I have not been a student in nearly two decades. The company would be manipulating the date of the account in order to credit report it. This would be a direct violation of the FDCPA ( deceptive means ) and the FCRA ( manipulation of date ). I Demand the account, without negative effect or notation, be removed from my credit reports immediately. I have suffered damages as a result of Deville 's illegal and unfair practices.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

All credit bureaus aren't resolving the issues stated in contracted letters sent via to all XXXX bureaus. Multiple unauthorized accounts keep piling up in credit reports. Decreasing Fico score as well as my credit profile. Identity theft problems have with my identity since the freeze of account. XXXX XXXX XXXX XXXX XXXX If it's not directly to XXXX  anything else authorized is unauthorized.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Hello.

I am writing about a student loan that has been paid in full for over 2 years now.

The account status from just Equifax appears as " Open '' and in " good standing '', with a balance of {$760.00}.

I have filed 4 disputes, which were quickly returned with the results indicating everything is correct ...

I have provided official loan fulfillment letters from both the college and loan servicer company indicating there is no balance, and it has been closed long ago.

I have spoke with representatives from Equifax on the matter as well, and was told that my dispite will not be personally reviewed.

There MUST be a technical issue, which has caused me to chase my tail for far too long.

I have all the documentation on demand ; i will also attach it.

Logically there is no way this account is still active, as I have not made a payment in over 2 years!

Thanks, XXXX
Consumer complaint received 2018-05-31
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)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2018-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I'm submitting this complaint due to what I believe is a predatory lending scheme perpetrated by Freedom Mortgage. 

I first purchased my home in XX/XX/XXXX using a VA loan. I refinanced several months later to a much lower interest rate and mortgage payment offered by Freedom Mortgage : from 4.125 % to 3.25 %. 

My original mortgage payment with Freedom Mortgage was $ XXXX/month. Several months later, I received a supplemental tax bill from my local tax assessor for the taxes due as a result of the reassessment of my home 's value. Freedom Mortgage agreed to pay it and informed me that my payment would increase for 12 months to $ XXXX/month ; an increase of $ XXXX/month, which I completely understand and was fine with. 

Last month, I received a billing statement from Freedom Mortgage showing my monthly payment is increasing to {$4300.00} per month in XX/XX/XXXX! I was expecting my payment to return to the original amount of $ XXXX/month, so I was shocked when I received this. 

I immediately called and sent a follow up email. Their response was simply that my property taxes and property insurance went up. To be clear, my property insurance only went up by around {$20.00} per month, so that is a non issue. 

The bottom line, and why I'm filing this complaint is this : Freedom Mortgage failed to perform their due diligence when they assumed this mortgage from the previous lender, or they engaged in a bait and switch tactic. They know the sale price of my home, and they should also know the property tax rate for my area in California ; especially given the fact that property tax rates in California have been capped at 1 % due to Proposition 13 since XX/XX/XXXX!. They simply took the amount the previous owner had been paying for property taxes, based on a much lower recorded property value, and plugged that into their equation. This is either an egregious mistake on their part, or as I stated, a form of predatory lending. 

Either way, my monthly mortgage payment has increased from {$3300.00} to {$4300.00} over the past 18 months or so ... .an increase of over {$1000.00} that I can not afford! 

Please investigate this matter and help me out. I was directed to this site through the VA Home Loans Assistance website, so I'm sure I'm in good hands. 

Respectfully, Disgruntled U.S. XXXX Veteran
Consumer complaint received 2016-09-28
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OK)

I have had problems with Quicken Loans from the start of the application process in XX/XX/XXXX. They promised to have my loan processed by XX/XX/XXXX and it was XX/XX/XXXX before it was actually closed. The reason for the delay was because they failed to obtain an appraisal. They went outside the area for the appraiser, when they could have had one in my town, and it took the appraiser 30 days to schedule and then 30 days for the report. I also sent the required forms to them as soon as possible and several times they claimed they did not receive them when in fact they had. 
I am now having problems trying to payoff the loan. A portion of my property was taken by the State of Oklahoma Transportation Department for eminent domain. I received my check from the State on XX/XX/XXXX and called Quicken Loans that same day for instructions for payoff. They told me it would take 3-4 business days to complete the process and to send them a authorization letter along with the signed check. I mailed the required authorization letter, signed check, and copies of the ODOT letter by certified mail on XX/XX/XXXX. I get a call from Quicken Loans on XX/XX/XXXX saying they did not get the authorization letter ( they did not say they got the check ). It scared me because I thought the check was lost. I know that I sent the letter because I made copies of everything I sent. It is not in my files nor in my scanner. I double checked my documents before I sent them. I am very meticulous and organized. Someone at Quicken Loans lost the letter. I was gone from my home for five days and when I got home I checked my messages I found out they did not have the letter. I called Quicken Loans the next day and they told me I had to re-submit it. So I sent a copy by email. The person I spoke with then told me it would take 3-4 days to process it plus 7-10 days for a refund. That was not what they had told me. I was expecting the refund by XX/XX/XXXX at the latest. 
She also told me that my refund is around {$30000.00} when in fact it is over {$36000.00} because of escrow deposits. I think they are trying to cheat me. I paid a lot of money for this loan. 
I wish I had never dealt with Quicken Loans. They are unprofessional and do not do as promised. During this whole process I have talked with at least a dozen or more people, never the same person. It was and is still very frustrating. I understand that it takes CFPB 15 days before they can do anything to help, I want to inform the public about Quicken Loans ' procedures and their failure to perform as promised and about possible fraud if in fact they are not paying me my full amount.
Consumer complaint received 2018-05-10
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. (FL)

XXXX has reported me 90 days late on my credit report twice on my credit report when they were unable to contact me about my loan deferment has ended. I have disputed this information twice but they continue to avoid correcting my credit report and they levy fees that are not interest related.