davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (PA)

I submitted an initial complaint regarding an escrow account dispute with Fay Servicing on XX/XX/XXXX via the Consumer Financial Protection Bureau. 

Fay Servicing incorrectly charged me {$2500.00} as a property tax payment for XXXX and included this charge in my monthly escrow payment. Fay Servicing made the tax payment on a property that does not belong to me but was charged to my account which resulted in an escrow shortage. I was subsequently charged for the incorrect overage. Despite the error, I have been paying the incorrect mortgage charge in FULL while patiently waiting for Fay Servicing to correct the error and reimburse the overpaid funds.

After several failed attempts at resolving the issue with 3 different account managers at Fay Servicing I filed an initial CFPB complaint. On  XX/XX/XXXX, I received a response from Fay Servicing, regarding my initial complaint in the CFBP portal, admitting to the error and offering a solution to refund my account.

According to their official response, The refund process should take about a week to finalize. It has now been over 80 business days and I have not received any refund, nor any further correspondence from Fay Servicing, despite several email attempts and phone calls to my account manager.

According to FTC guidelines for mortgage disputes, The servicer must send you a written acknowledgment within 20 business days of receiving your inquiry. Then, within 60 business days, the servicer must correct your account or determine that it is accurate. The servicer must send you a written notice of the action it took and why, as well as the name and phone number of someone to contact.
The issue has not been corrected, nor have I been contacted. However, I continue to get phone calls when the mortgage payment is due but no effort to contact me regarding my unresolved dispute. Fay Servicing is highly unprofessional and in violation of several policies and practices regarding dispute resolution and account management.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (AR)

I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. XXXX XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi, even during these trying times you're marking consumer late on that I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2020. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-20
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: Collection Bureau of America Ltd. (AR)

I've recently been in contact via mail over the past two months with the major consumer reporting agencies and collection agencies due to my identity being stolen which resulted in fraudulent accounts being opened and reporting on my credit file. Since I've noticed an obvious or clear violation of the Fair Debt Collection Practice being committed by a  company called the Collection Bureaus of America under section 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This account has not been updated as DISPUTED AND IS IMMEDIATE GROUNDS FOR REMOVAL UNDER THE FDCPA.
Consumer complaint received 2020-10-20
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. (PA)

On XX/XX/XXXX I mailed the credit bureaus a dispute of the following information with no response. Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.
Consumer complaint received 2020-10-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

I was told to leave my home on XX/XX/2020 because of foreclosure. The company only gave me 30 days to leave the property. I filed a motion for 130 days which I was refuse because I needed time to find a place to live. The company name Freedom Mortgage. If you could help me. I am homeless now.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on XXXX XXXX XXXX as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my XXXX XXXX XXXX report.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I Used a Bank of America ATM at XXXX to withdraw {$1000.00}, the daily max limit from the EDD card provided to me for unemployment. The Bank of America ATM was # _______.

During the transaction, I did not receive {$1000.00}, just a receipt that I had received the money and that {$1000.00} had been withdrawn from my account. Because I thought maybe the money had gotten stuck in the machine, I called for my wife who was outside waiting for me to stand by the ATM, while I ran into the bank to ask for help. The Bank of American staff said they had nothing to do with the ATM 's and  gave me a number to call. I called the number given to me, XXXX XXXX XXXX and explained the whole situation. She said a case number would be given to me, and usually that it can take up to 6 weeks  before matters like this get resolved. After my phone call I went into the bank, since I still needed the {$1000.00}. I had to explain myself again, since a {$1000.00} is the daily limit. After telling the story she let me take out {$1000.00} from my account. My account statement now had 2 withdraws of {$1000.00} each. After receiving the {$1000.00}, I called back the number I was given to ask more question and also to explain that I had received {$1000.00} from the clerk but was still missing {$1000.00} from the ATM.

Weeks later, I received a letter saying I would be reimbursed for the  {$1000.00} from the ATM during the investigation process. After that I received another {$1000.00} with a different claim number. So I know had received {$1000.00} too much. I tried calling the XXXX to let them know the mistake but no one answered my call and still hasn't to date.I have been calling other numbers, EDD, Bank of America, Fraud etc, but they all say they have no involvement in the matter and can only transfer me. 2 weeks after I received the $ XXXX I received another 2 letters, 2 different claim # 's. Both stating the account has  been subject of fraud. The $ XXXX was now withdrawn from my account and case closed. Meaning I'm still missing my {$1000.00} from the account and the case is closed and I can't seem to reach anyone to resolve this matter. I tried again calling other numbers including the number that was given to me on XX/XX/XXXX, when the ATM withheld my {$1000.00} but they either say case is closed or redirect me to a number that never answers. I have been on hold daily for hours and hours on stretch. If I just let the phone be on hold, after about 2-3 hours it goes to a mailbox that hasn't yet been set up and then hangs up your call.

I do have the ATM number, I have my letters from bank of America, the 2 different claim numbers.
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been tryiing to obtain a copy of my credit report from TransUnion. I have tried ordering it directly on their site, through the XXXX XXXX XXXX XXXX link, XXXX XXXX everywhere. I have tired several times and I still do not have a nor able to see what is on my TransUnion report.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

Us Bank reported to the credit bureau that I made no payments on my account from XX/XX/2020 thru XX/XX/2020. This information is not correct as I have made ALL of my payments from XX/XX/2020 thru XX/XX/2020 2020
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

Received phone call from Collection Bureau of the Hudson Valley on XXXX XXXX and XXXX XXXX from XXXX. I pay my bills on time and have forever. I have nothing in collection status. My credit score is XXXX. I listened to the robocall message which stated to " Press 1 '' to speak to someone. I wanted to tell them to take my number off their call list. I've done this on both calls, but no one ever comes on the line. This company not answering the call so I can tell them to remove my number from their call list is unacceptable. 

I find this behavior harassing and abusive.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I initially made a payment to XXXX XXXXXXXX in XXXX and set up a payment plan with them I paid the account in full as of XX/XX/XXXX roughly XXXX XXXXXXXX has consistently reported it incorrectly stating that it was a charge off of {$800.00} and this is incorrect and still stating that I owe them {$250.00} which is incorrect I have found them multiple times in the last 30 days and they still haven't corrected the issue either has experience I like how the item completely removed off my credit report now since they had multiple opportunities to correct it and are reporting it incorrectly
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Adler Wallach & Associates, Inc. (CA)

On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted XXXX  Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting XXXX  I am just given a run around, such a unethical behavior and unprofessional service.
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a credit alert on XX/XX/2020 in regards to an inquiry from XXXX on XX/XX/2020. I called XXXX to ask what was going on. The representative stated that the inquiry was soft and was pulled in relations to a potential credit line increase on my existing XXXX card. I told the representative that was false and there is indeed a hard inquiry on my credit file. She then stated that normally they don't pull credit for increases, only for new credit. Then after being put on hold she then says that the inquiry was something I authorized. I told the representative that I am currently in the home buying process and I would not authorize an inquiry knowing it would jeopardize my chance of qualifying. She stated that I should contact TransUnion to dispute the inquiry. 
I contacted TransUnion to tell them what happened and they refused to dispute the inquiry stating that it is " factual ''.
Consumer complaint received 2020-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-10-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}, {$8600.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$5700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NV)

I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX Accounts : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. XXXX XXXX XXXX - {$1500.00} 2. XXXX XXXX XXXX - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1.  XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXX XXXX XXXX - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX  XXXX XXXX Visa XXXX {$1800.00} 5. XXXX XXXX  XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

Regards XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (NV)

I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX Accounts : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. XXXX XXXX XXXX - {$1500.00} 2. IQ DATA INTERNATIONAL -  {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1.  XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXX XXXX XXXX  - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX  XXXX XXXX- Visa XXXX {$1800.00} 5. XXXX XXXX XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

Regards XXXX XXXX
Consumer complaint received 2020-10-01
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. (CO)

I signed an agreement with the XXXX XXXX XXXX XXXX to take advantage of the CARES Act where I agreed to pay my mortgage forebarance amount in full by XX/XX/2020. I specifically confirmed 3 times on the phone with the agent from XXXX XXXX XXXX XXXX that IF I took advantage of the forebarance program and paid all fees in full by XX/XX/2020, I would not have any adverse information sent to the credit bureaus. Knowing that I was going to sell my house and pay the mortgage off in full and all fees associated with the forebarence on XX/XX/2020, I agreed to the program. 

I am now trying to buy a new home and found out that although I fulfilled my obligation by paying off my entire mortgage and all forbarence fees early, that XXXX XXXX XXXX XXXX has informed all of the credit bureaus that I was late with a payment. That was not what was agreed upon especially since my entire mortgage was paid off more than a month prior to my forbarence due date. This is a bait and switch and clearly is adversely impacting my credit score. Over 35 years, I have never had a late payment for any of my credit cards or loans. Now I am being penalized with a credit score deduction by over 135 points when my credit score from all agencies has hovered around 800. This predatory lending practices are horrific and are not in line with the intent of the CARES Act.

I need your support to get the " late payment '' notification to all credit bureaus reversed and a note to the credit bureas and me that they made an error and reverse the late payment notification. If you have any questions or need any further information, please email me. This is yet another financial institution taking advantage of the American public like was done in XXXX with the mortgage defaults.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Accounts, LLC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE