davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Premium Credit Bureau (NY)

On XXXX XXXX, 2015, a " hard inquiry '' was made on both my XXXX and XXXX credit report by XXXX XXXX XXXX XXXX XXXX for purposes of determining eligibility for an " unknown '' reason. That inquiry is damaging my credit rating to date. Be advised that this his writer " did not '' at any time request either a loan or credit card from XXXX XXXX XXXX and/or its affiliates. I contacted both XXXX XXXX XXXX, XXXX XXXX, [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX ], and Premium Credit Bureau/Dept., Reporting Agency, [ XXXX XXXX. XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX ] seeking redress, but to date I have yet to receive a Case Number or a response to my dispute and request for verification pursuant to 15 U.S.C. sec. 1692g of the Fair Debt Collection Practices. These facts withstanding, I am respectfully requesting CFPB investigate this matter and take the necessary steps to remove this erroneous entry from all credit reporting agencies ( i.e., XXXX, XXXX, XXXX, Premium Credit Burea, XXXX ). 

Your time and consideration will not go unappreciated.
Consumer complaint received 2015-04-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am having issues with understanding my escrow statement from Nationstar. I am getting charged a USDA fee, which makes no sense to me. USDA loans from my understanding have the PMI paid up front. I called to get some clarification, but was hung up on the line after getting clarification. I just placed the call today at XXXX EST. Also the numbers do not add up on the bottom of the escrow statement. As soon as I start subtracting the numbers within the account history, they do not match. Hence this leads to confusion on getting actual numbers and why my payment got increased {$200.00} a month.
Consumer complaint received 2016-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS provided XXXX Deeds of XXXX for the same date. The Deed of Trust which was recorded and filed in the XXXX Recorder 's Office, on XX/XX/2004 with the file number of XXXX was altered from the XXXX we originally signed. At no time did we have knowledge or authorize anyone to alter the Deed of Trust after we signed and notarized it. There are also missing signatures on pages and a signature of a person as a borrower who was not an applicant on the loan.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

XX/XX/XXXX I applied for & was approved for a loan modification with XXXX XXXX XXXX. The terms of the modification said the loan was approved for 3 years. In XX/XX/XXXX the loan was sold to NationStar Mortgage Co. At the time NationStar acquired the account they immediately increased the mortgage payment citing that there was no record of any loan modification. I intern called XXXX & was told that they were unable to search any of their old records but that NationStar was responsible for abiding by the terms of the agreement. Since I retained copies of the original modification I then faxed the information to NationStar in hopes this would resolve matter. A short time later I received a phone call from NationStar stating that they would NOT adjust the payment & that it would remain at an unfair {$570.00} per month because their records did not reflect said modification agreement. The original modification was supposed to be in effect for 3 years in the amount of {$450.00}. After doing my own research it was determined that XXXX had never filed the proper paper work with the XXXX County Deeds Department. To my understanding these are both predatory lenders who take advantage of the elderly with poor business practices.There has been several class action lawsuits filed against these corporations. I believe further investigation should be done. As older adults on fixed income we should not be taken advantage of by people who prey on the elderly. If there is anything that you can do that can assist me in this matter I would greatly appreciate it.
Consumer complaint received 2015-12-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

On XXXX XXXX, I requested and received a payoff quote from Nationstar. I transferred the money into my account and sent payment by express mail on XXXX XXXX, and it was certified received on XXXX XXXX. After not seeing the funds paid to my account, I called on XXXX XXXX and was told not to worry, that it could take up to XXXX business days to appear. This did not happen, so I called back on XXXX XXXX, and was told they 'd tracked down my check and my account number had not been recognized, but that it would be credited to my account and posted as of XXXX XXXX within three business days. Again, this did not happen, so I called back on XXXX XXXX and was told they would expedite the processing and this would be completed within 24 hours. This has still not happened as of today, XXXX XXXX. I 'm currently working with a customer service rep for Nationstar via social media, and it has taken all day without any update. I have a closing to sell my condo on XXXX XXXX and am very frustrated but also concerned that the closing will be postponed because of the several weeks it has taken for this company to process my payment to pay off my mortgage.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

Nationstar Mortgage states that we need to pay them again for the month of XXXX, 2016. However, we are having our bank bring us copies of all the checks we submitted to Nationstar, but were lost. On XXXX XXXX, 2016 we made a cashier 's check from XXXX XXXX XXXX XXXX XXXX in the amount of {$970.00} to Nationstar Mortgage. In XXXX we mailed a check for {$970.00}, check number XXXX, from XXXX XXXX Bank, to Nationstar Mortgage. We also mailed a check on XXXX XXXX, 2016 in the amount of {$970.00}. On XXXX XXXX of 2016 we mailed Nationstar Mortgage XXXX checks ; XXXX for {$1000.00}, for the month of XXXX, 2016. XXXX for {$1000.00} for the month of XXXX, 2016. Also, we mailed a check in the amount of {$970.00} for the month of XXXX, 2016. We believe we do not owe Nationstar Mortgage any mortgage payment until XXXX of 2016. Our bank is working on getting copies of the checks cashed by Nationstar, but supposedly they lost.
Consumer complaint received 2015-08-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (TN)

On XXXX XXXX, 2015 I was advised to bring account current with {$8000.00}, and the Foreclosure dated XXXX/XXXX/15 would be stopped. I ordered reinstatement letter and the amount came back $ XXXX. I faxed my request for postponement and third party authorization over at the same time. It took 2 more faxes and BB & T just now ( TODAY ) receiving my formal written request to postpone/cancel foreclosure in pursuit of a workout. I am told by local agencies other options to Home Retention are available to me but NO One made this clear to Us until now. 
BB & T is saying they can not stop the sale because too close to the foreclosure date. They are not considering the fact that I was misinformed on many levels leading up to now. ( Wrong amount to reinstate given verbally by XXXX on XXXX/XXXX/15 XXXX They are not considering the fact that I have made this request almost 30 days ago but BB & T states they did not receive the fax until yesterday. I have a call and request into the Foreclosure Dept to postpone the sale this according to XXXX XXXX and XXXX.
Consumer complaint received 2023-08-11
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)

This is my NUMEROUS 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  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Recovery Services, Inc. (TX)

In XXXX, XXXX, I first received a phone call and then a letter from Southwest Recovery Services, a debt collector, concerning an unpaid amount for XXXX in XXXX at XXXX. During the phone call, I requested an itemized statement of the charges. The caller, XXXX, said that he would email it to me in 2 - 3 days. However, by XXXX, I had not yet received the statement. I called Southwest Recovery Services, and XXXX XXXX, the Collection Manager, told me that an itemized statement had been requested five different times from XXXX but was not received. He also said that he would immediately contact XXXX XXXX XXXX for the statement and would close the account if there was no response by XXXX. A few weeks later, XXXX called to collect the debt and did not know about my conversation with XXXX XXXX. He said that he would check the status and let me know, but he did not followup. On XXXX, I called Southwest Recovery Services, and this time XXXX XXXX transferred me to XXXX XXXX for a copy of the itemized statement. She could not immediately locate it, but assured me that she would call me the following morning with the status. She never called. Yesterday afternoon, XXXX, I called XXXX and left a voicemail to request the statement and to also call me. I have not received a call from her. 
I have credit card receipts for the required {$25.00} co-pay for each of my XXXX. I also have insurance XXXX for the corresponding XXXX which show that XXXX XXXX XXXX was paid the remaining balance for each session by the insurance company. Additionally, all my XXXX were in XXXX not XXXX.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

A company named IQ Data has been attempting to collect {$150.00} from me for money they claim I owed to an apartment complex at which I lived in XXXX, TX when I was XXXX. Neither this company, nor anyone else, has been able to explain to me why I owe this money. Instead, when the debt collectors call, they simply state that they do not have to tell me why I owe money because it 's in collection. When I contested the collection with the credit bureaus, XXXX immediately took the charge off. Subsequently, IQ Data then falsely reported to XXXX that the debt was paid in full, which leaves the collection on my record but gets the credit reporting agency to stop investigating. When I contested the charge with XXXX XXXX, IQ Data reported to them that it 's still a collection account. IQ Data still continues to call and demand the money, asserting that they do not have to tell me why I owe money and that they do not know what it 's for.
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. (MA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX  XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the XXXX XXXX XXXX below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

Debt owed to XXXX was paid in a judgement to XXXX County Court. I moved from XXXX XX/XX/2014 and the property managers later charged me for XX/XX/XXXX rent and I did n't live there. The judgement I was provided by the courts has been paid in full but a XXXX collection agency is attempting to collect for the same debt.
Consumer complaint received 2016-10-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Recovery Services, LLC (AL)

Company has been calling many different people including an old roommate from 1997. They are telling them a court case is being filed against me. They know my number, yet they are using an unfair tactic of calling my known acquaintances to embarass me. They should only call me. I tried to get them to give me the numbers they have been calling but they refused, and they also spoke to me in an abusive language.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

We are submitting a complaint against PENNYMAC XXXX mortgage company. They faithfully took our mortgage payment for over 1 year, always paid ON TIME. At the beginning of 2015 we received a bill totaling approximately {$15000.00} due to insufficient escrow and a statement that had our taxes at over {$24000.00}. INCORRECT!! We called to inform them that the taxes they have are wrong and even provided tax statements from our local township that had our taxes listed at between $ 6,000- $ 7,000/year. They stated that they had paid the township much more than the township states they actually received from them. They state that they were able to obtain a refund of THEIR money that was overpaid but it still left an error on our account for which they are trying to bill us approximately {$2000.00} in order to bring our account up to date which they will then refund to us. ALL calls to Pennymac have resulted in nothing but delay, poor customer service, inability to rectify this problem in a timely manner and now they have put us in collections and have affected our credit for THEIR error. We have continued make our monthly mortgage payments and have faithfully been calling asking for them to resolve their error only to receive harassing " automated '' notices and NO actual assistance or resolution. We are seeking legal counsel for the issues with this company and have noted MANY similar consumer complaints online with many of the same complaints. This company appears to be conducting itself in numerous unethical ways and has the poorest customer service we have EVER experienced ANYWHERE. We desperately need investigation, assistance and intervention to rectify this issue and have the company resolve their errors and restore our credit. Please help!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union has violated my consumer rights by reporting inaccurate information on my credit report. Enclosed with this complaint is dispute letters of XXXX different collection agencies that's reporting information without my consent.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To let the credit bureaus know that the inquiries listed in my file are not authorized, I'm filing a complaint. Credit reporting agencies have to remove or prevent any inquiries that were not permitted in accordance with FCRA section 605b. Kindly refer to the documents that are attached to help prevent incorrect information from being put into my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2015-12-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I filed a prvious complaint ( XXXX ) about my mortgage servicing company holding extra funds earmarked for principle reduction in a non-interest bearing account. It took them five months and your complaint to get the funds applied. The following exceprt from a letter dated XXXX/XXXX/15, that I received from Ditech, " When an account is in active bankruptcy, Dtech can not apply overage payments to principal without court order and trustee approval. Additional funds would need to be considered by the trustee and possily result in a new bankruptcy payment plan. '' Is it Ditech 's perogative NOT to notify the trustee? If this preposterous statement is the truth then they are in violation with full admission of knowledge of the rules by the statement from their letter! The mortgage company ( there have been somany I wold have to research who held he mortgage at the time the of the filng ) was only used in the " means determination '' for our bankruptcy. It was our intention from day 1 to meet this obligation. We did so with 60 consecutive on-time payments to both the mortgage company and the bankruptcy trustee. Our payment plan which we completed sucessfully repaid all of our includeed creditors in full. Recently, I received a telephone call from Ditech collections about a " partial '' payment. They wanted an electronic payment over the telephone with a service charge. The loan that Ditech services assumed was an interest only payment which just recently went to interest and principle. Ditech never notified us of the change. Their claim is that they could not tell us because it would violate bankruptcy law if they contacted us about a debt. The bankruptcy was discharged XX/XX/XXXX and we just got our first regular statement form Ditech. I requested a payment history from Ditech for the bakruptcy period ( 5 years ). They claim that they have only serviced the loan for two years and can only provide a two year payment history. In this age of electronic records it is hard to believe that a payment history would not follow an account from financial institution to financial institution. 
I believe these practices to be both irregular and illegal. To claim that by " magic '' ( without any notification requirement by the mortgage servicing company ) I was supposed to know the new payment amount. This company is an affront to any sense of fair play or customer service. I am dealing with thm with no chice in the matter or any recourse!
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I get paid every other Friday. I checked my bank account on XXXX XXXX ( Thursday ) at about XXXX XXXX and my account was positive. I woke up on Friday after getting paid and I had {$210.00} overdraft fees. I called and spoke to customer service the next morning and explained the situation and XXXX from Regions told me that a check cleared on the XXXX. I explained to her that when I checked my account at XXXX XXXX that it was in the positive and why did I get so many OD fees? She could not give me a time that it cleared. I went the local Branch of Regions and spoke to the Branch manager and he said that he would have to send the situation to his regional manager and get back to me. I called back a couple days later and he said that a check cleared on the XXXX but he too could not give me a time when it cleared and said they could not give me any of the OD fees back. He said that they have a XXXX in a lifetime forgiveness policy and could not help me. I called channel XXXX news cause of his demeanor and the way XXXX treated me on the phone and XXXX from Channel XXXX gave me this link to contact to send a complaint.