davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION (CA)

My mortgage company sold my loan to another company. I did not make the final payment for the current month within the usual 15 day grace period. When this happens, I pay the late fee ( {$100.00} ) and the regular payment. With the transfer of companies, I have not been able to pay my mortgage. XXXX, I have called my former/original mortgage company to pay, and I have been put on hold for over 15 minutes only to have the call hang up. XXXX, I tried to pay via the former mortgage companies " speed pay '' website option and been unsuccessful because it would say " unable to process ''. I know i would not be penalized if I sent a payment to the former mortgage company, but I am unable to send them the payment. The new company takes over on XXXX XXXX. I can not pay them yet. Even if I pay my payment for XXXX after XXXX XXXX, it would be over a month late. But I have been unable to do otherwise because I can not speak to anyone at my former mortgage company.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CO)

I settled with American Express on a balance owed in XX/XX/2014 through the services of a debt solution program. However, the charge still shows up as " Charge-Off '' on my credit report. Actually, it pops back up every month as a " Charge-Off '' which makes it seems like a new item/issue. The original balance on the card was {$1600.00}. It was settled for {$510.00}. Strangely enough, the Charge-Off amount equals {$1100.00} ; which is actually the amount owed {$1600.00} minus the amount settled {$510.00} ... 

I have attached a copy of my credit report, the agreement between the debt solution group and the AMEX Collection Group, and copies of the checks used to settle all three AMEX accounts, including the one in my complaint.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-14
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. (MI)

On XX/XX/2023 All 3 credit bureaus were reached out to via mail. I mentioned multiple of times that these hard inquiries do not belong to me. The hard inquiries have not been removed and needs to be removed immediately so I can utilize my credit. I am suffering without my credit and need this corrected as soon as possible. 

Transunion & XXXX Inaccurate Inquiries : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, 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 XXXXXXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX Inaccurate Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

I continuously have to call all XXXX credit bureaus to get dispute remark removed from this account. I DO NOT want this account disputed. I am trying to buy a house and can not get approved because Hunter Warfield continues to add dispute remarks to my report. I want the remarks removed. I repeat I DO NOT WANT THIS ACCOUNT DISPUTED. *It forced me to select communication tactics and frequent or repeated calls. This is not an issue they are in compliance when it comes to communication. I just want the dispute remarks removed.
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Clay Chapman Iwamura Pulice & Nervell (HI)

A letter from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector conveys in its letter that XXXX XXXX XXXX, XXXX XXXX ( " XXXX '' ) is a servicer. The tort Is that XXXX has XXXX standing to foreclose according to the definition of " creditor '' in the Fair Debt Collection Practices Act ( FDCPA '' ). 
Go to the XXXX Attachment. 
Approximately two weeks later, a XXXX XXXX XXXX from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector, conveys in a letter that SHE has been retained by XXXX, and XXXX is not listed as a servicer as the First Attachment conveyed, but as a Creditor in the Third Attachment. 
Go to Third Attachment.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Receivables Management, Inc. (FL)

I have a contract with safe touch. My records confirm the 3year contract with the company. The bill was forwarded to the collection agency XXXX. I spoke with a rep regarding the balance and advised her of the disputing information. She advise me otherwards and outright told me to pay the debt. I advised her that I needed validation of this debt. she went on and finaly hung up in my face. I then called back and asked to speak with a manager. A woman named XXXX XXXX falsley represented her self as a manager and placed male on the line that failed to confirm that he was a member of management. The call was then transferred over to XXXX XXXX whom automatically came off unprofessional. XXXX XXXX hung up the phone in my face after saying lets take this to court when trying to speak to him about the issue. In 8 attempts in calling back for help in obtaining the validation of debt they continued to hang up in my face. A rep finally picked up the phone and then transferred me to XXXX XXXX again and XXXX XXXX continued to prevent me from speaking to resolve the problem. After two other times in call and him hanging up in my face, he then stayed on the line only silent enough to give him the dates of my contract. XXXX XXXX then placed me on hold to finally pull up the contract confirming the dates. He then went on to tell me the last date in XXXX of 2016 I was past due. I attempted to advise him that the account was always paid ahead prior to the last payment that took the account out to either XXXX or XXXX without needing another payment. However continued to accuse me and of other things in which was untrue to the point where I couldnt take anymore. This company as well as XXXX has shown no signs of resolving this dispute. If the account was showing accurately arrangements would have been made, since this has been erroneously reported out to the credit agencies for my other creditors to see in which it will impact my annual review.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (NJ)

I refinanced my mortgage with cashcall mortgage and was told there would be no costs at all to me. The loan officer insisted that they needed to add the amount of my next tax payment into the loan amount and that they would pay this payment even though I would be paying all future tax payments directly. This is all well documented in the closing settlement statement, but when I called to check the status of them paying this tax payment, I was told that they were not paying this as it was not an escrow account. I finally spoke to a supervisor ( in XX/XX/2017 ) and he acknowledged that something was not handled correctly and that I would be informed of their resolution by XX/XX/XXXX. As of today ( XX/XX/XXXX ) there still is no resolution, just stalling by this same supervisor who says that there is no person above him that can help me and there is nothing he can do. This is obviously mortgage fraud and they owe me {$1600.00}. The supervisor is XXXX ID # XXXX
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with the late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

XXXX XXXX
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Colony Brands, Inc. (GA)

GINNYS : I have never requested a line of credit with Ginnys. I started receiving the magazine which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you
Consumer complaint received 2017-04-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have sent the creditor multiple certified letters asking for proper validation of this 6 year old debt. All they send me is a partial statement and a letter stating that the debt is valid. They are not showing me anything that is bearing my signature
Consumer complaint received 2017-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

I contacted my mortgage company Loancare regarding removing PMI and they are saying it can not be removed until 5 years. I closed on mortgage XX/XX/XXXX, so we are at the 5 year point but now they are saying it has to be done when I make my XX/XX/XXXX payment, which was done on XX/XX/XXXX, but say still can not be removed yet. I requested a payoff statement because I would rather just pay mortgage off to not be ripped off anymore and they stated " that function is not available '' hence not giving me final payoff amount which of course will continue to accrue interest until they figure out how to do it. On top of that I got a current escrow review statement and they are raising my monthly payment to put more money into escrow which of course includes the PMI which is due to be removed.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (NY)

I had XXXX 0 % promotional balances - XXXX expired XXXX/XXXX/17 the other expires XXXX/XXXX/17. On XXXX/XXXX/17 I made a payment of {$6700.00} fully expecting it to go against the expired promotional balance which was now at 10.74 %. Instead the payment was mostly applied against the XXXX/XXXX/17 promotional balance and Chase started charging me 10.74 %. When I called and spoke to 3 levels of Chase management, I was finally told by XXXX, a Manager, that they could apply the payment anyway they want ( to their advantage ) and I had no recourse
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a checking account with Citizens Bank. I recently called the bank to ascertain the balance in the account as I did not have online access and forgot the account number. 
Upon being granted online access through the customer service representative, I discovered the account had been debited {$65.00} ( {$10.00} the first month and {$5.00} per month for 12 months after being designated a " DORMANT ACCOUNT ''. While I understand a bank has the leeway to levy such fees, I disputed the fees with the Citizens Bank however because I learned the way they attempted to contact me about the DORMANT ACCOUNT was to send messages for me to the dormant account itself!!! If an account has been dormant, what makes the bank think that the account holder is accessing the account to read messages???? Seems to me if they have the account holders contact information, such as email and phone number, which would have been submitted when the account was opened, then the correct manner to reach said account holder with a designated dormant account would be through some other avenue other than the dorman account itself. The idiocy of their excuse for charging an account holder for a dormant account yet messaging them about the dormant account through the dormant account is beyond stupid.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I am a new home owner. My mortgage is {$830.00}, I Paid my mortgage through XX/XX/2017 in by XX/XX/2017. I signed into my mortgage account online and made a payment for XX/XX/2017 mortgage on XX/XX/2017, it cleared XX/XX/2017 through my bank. I thought that I was good for XX/XX/2017. After the XX/XX/XXXX mortagege cleared, they configured XX/XX/2017 payment which is {$910.00} and pulled it on XX/XX/XXXX instead of XX/XX/XXXX. They justified it by saying that I gave them autopay permission. So They will take that XX/XX/2017 payment 30 days early. They cleaned out my checking account and stated that if the check doesnt clear they will be resubmitting for the {$910.00}. Are you kidding me? I am not a time traveler, I havent lived in XX/XX/2017 yet so the bill is not due. I asked them why dont they take XX/XX/XXXX through XX/XX/XXXX in XX/XX/XXXX too? I dont owe them any money but they insist that they will present XX/XX/2017 mortgage again for payment if the funds dont clear. These people are vampires! They are monsters and they dont have any respect for the american consumer. I am a new home owner and I have been thinking ahead to stay current. I have never been late. 
I am a normal person and they took {$910.00} from my account on XX/XX/XXXX that was not due for 4 weeks a week after I paid them {$830.00} that they were due. They insist that they are correct for taking that XX/XX/XXXX payment 4 weeks early because I gave them autopay rights. {$1700.00} in one week. My budget is destroyed. How am I supposed to be responsible for my other bills when NationSTAR just took all of money plus the over draft?
Consumer complaint received 2017-04-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

in CFPB XXXX ... CENTRAL FINANCIAL CONTROL SENT A FABRICATED FALSE RESPONSE.CFC SAID I WAS NOT COVERED BY MY 100 PER CENT COVERAGE INSURANCE. 
I HAVE ATTACHED MY COBRA POLICY PAYMENT CASHED BY MY EMPLOYER ON XX/XX/XXXX.I HAVE ENCLOSED A BILLING SHOWING THE SERVICER RETURNING CHECKS TO XXXX.I HAVE A BILL FOR XXXX THAT WAS NEVER SENT TO THE INSURANCE BY CFC 'S CLIENT. 
ONCE AGAIN I HAD 100 PER CENT COVERAGE FOR XXXX THAT YOUR BILLING DEPT XXXX. 

CFC BY REPORTING TO THE CREDIT BUREAUS IS DAMAGING ME WHILE I TRY TO GET A MORTGAGE. 
THE RESPONSE TO THE PREVIOUS CFPB INVESTIGATION SHOULD HAVE BEEN TO DELETE REPORTING TO ALL CREDIT BUREAUS FOR THEIR NOW WILLFUL ERROR.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

This is in complaint against collection agency Midland Funding. 
Accounts in reference are all held by Midland Funding- XXXX for {$470.00} with XXXX ( original creditor ) In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the above mentioned accounts. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
I spoke to XXXX on XX/XX/2016 and requested itemized charges relating to the time period in question. He said he would get them out to me in 7-10 days. 
On XX/XX/2016, I received a response from manager XXXX XXXX stating that a determination was made that this is my debt but that a police report or affidavit may be submitted for further review. I responded back by mail that I needed itemized invoices and signatures of purchase or any other means by which to differentiate actual charges from unauthorized charges. I have received nothing. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NM)

My federal student loans have been serviced by XXXX and I have never missed or been late with my monthly payments, which are due on the XXXX of each month. At the beginning of XX/XX/XXXX, I made my regularly scheduled monthly payment to XXXX. At around the same time, my account was transferred to Fedloan Servicing. Near the end of XXXX, Fedloan Servicing notified me that my XX/XX/XXXX payment was late. I notified Fedloan Servicing that my XX/XX/XXXX payment had been paid to XXXX immediately prior to when I got notice that my account was transferred. Fedloan Servicing soon confirmed that it had received the payment and would credit it to my account within 10 days. After 10 days, Fedloan had not credited the XXXX payment and my account was still showing past due. Fedloan again confirmed that, yes, it received the XXXX payment from XXXX but it takes time to credit it to my account. Fedloan instructed me to make my XX/XX/XXXX payment as usual and as soon as the XXXX payment was credited to my account, it would reflect that I was up to date on payments. I have continued to make all monthly payments on time and in full. However, I receive late and past-due notices, stemming from the XXXX payment that Fedloan received from XXXX but has failed to apply to my account. Fedloan Servicing told me to ignore the late and past-due notices I receive as it will all be straightened out when it finally credits the XXXX payment. As of this date, Fedloan Servicing has not credited my account with the XXXX payment it received from XXXX when my account was transferred. It is unacceptable that it has taken 4 months for this to happen and that I am receiving late and past-due notices. Of course, I request that no negative information be reported to the credit reporting agencies and that no additional interests or fees are added to my account because of Fedloan 's failure to properly service my account and my XXXX payment from XXXX.
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Navient Corporation, my l oan servicer, has not provided me with accurate information about income-based repayment options. Since I requested this option, almost 4 years ago when I became unemployed due to a lay-off, they have given me inconsistent information. The link they provided me to complete the application for my husband did not work. As such, this process has been delayed, and I have had to place my loans in forbearance. The balance on my loans has increased dramatically, by almost {$10000.00} since eventhough many of my loans are subsidized.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Niagara Capital Recovery LLC (MA)

Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They will not remove the BK even though it is n't mine and I 've provided information that proves this fact. I also provided the information directly to them from the clerk of court that the court system does not use a full social security number to identify cases. This information is incorrect and by law should be removed.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

My Bank used a loan servicer ( XXXX ) to do their work of loan servicing. I paid my XX/XX/2016 payment of {$1000.00}, and the money was debited from my account, yet never showed up as payed to my mortgage, nor was it relayed or forwarded to my new loan servicer ( XXXX ). So my current principle is too high, my interest deduction XXXX form is incorrect, and to date Ive spent about 30 hours on the phone and researching what happened. 

What do I need to do to have an investigation of where my money went, and who is responsible for finding it and applying it to my loan and issuing corrected XXXX for taxes which are due in one week? 
Additionally, I 've attached the closing documents, which indicate the amount financed is {$190000.00}, which does n't make sense, because the loan that was transferred to the XXXX servicer, is shown at {$190000.00} which is greater than the total amount financed in the closing documents. How is that possible???? 


Please Help! 

Best regards, XXXX