davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

On or about XX/XX/2020, a representative from XXXX XXXX contacted me by phone and said they were following up with me on a request I made to my mortgage company to lower my monthly payments and assist with the loan modification I had requested with my mortgage company First Continental Mortgage on or about XXXX or XX/XX/2020. They said they could help me lower my interest payments and monthly mortgage payments. 

I sent them all the financial items listed in their email and formally requested assistance with loan modification or refinancing. They stated that I had to pay 3 consecutive payments of {$22000.00} per month using 3 separated post dated checks. I wrote them 3 checks for XXXX, XXXX, and XX/XX/2020. In XXXX I was contacted by First Continental Mortgage stating I had not made any payments and my escrow was now behind. I sent them proof of the 3 payments and my bank statements to show what and when I had made the 3 payments. First Continental stated they never received them and I now owe {$1700.00} in escrow due immediately. I paid the {$1700.00} the next day to cover my escrow. First Continental confirmed they received that payment. 

I told them about XXXX XXXX and they suspected fraud. I began making payments to First Continental again in the amount of {$2800.00} payable by cashiers check, I made 5 payments totaling {$14000.00} to First Continental. I also requested a forbearance or loan modification with First Continental on our about XX/XX/2020. I submitted all the financial documents and now they wanted payments of {$2900.00} mo. I said wait, I can't afford the payments I have now and I've asked for a loan modification to lower my payments, why are the payments increasing? 

Then I received a letter returning XXXX of my cashier 's checks that I sent to First Contenintal Mortgage. They are no longer accepting any payments from me and I can't get anyone to respond to emails or phone messages. When you call each call lasts a minimum of 45 minutes and then it disconnects. No response. 

I am the sole XXXX  of my XXXX year old elderly mother and I help my son take care of my XXXX year old grand daughter. This is our only home and I'm scared we are going to be foreclosed on due to fraud or foul play. 

All we are asking is for assistance to refinance the mortgage to lower the payments to a total {$2000.00} including escrow.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My mortgage company, XXXX XXXX, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A XXXX XXXX  representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on Transunion and XXXX  as those reflect the 15 point reduction. XXXX  hasn't updated this yet.
Consumer complaint received 2024-10-18
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. (CA)

My credit was used by an identity thief. They used my credit to open fraudulent accounts in my name, here is the list of companies. 


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 XXXX XXXX XXXX ftc and cfpb
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I opened an account with Gemini on XX/XX/XXXX and deposited {$500.00}. I have uploaded my personal documents for verification, which on their website is indicated to take 5-7 days. As of now ( XX/XX/XXXX ), the status is still " pending verification '' and I am unable to withdraw my money. 

I have contacted the company multiple times in the past 2 weeks and received no reply. I have ultimately requested that they close the account and return my money and still received no reply. I am suspicious that this is a scam for the company to take away the money that I have deposited.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX, I've sent my dispute letters to the 3 Major Credit Bureaus but haven't received any notification nor details from their investigation. To this day, over 30 days later, I feel like I'm being ignored of my disputes.
Consumer complaint received 2021-03-15
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. (MD)

On numerous occasions I have reached out to the credit bureaus to correct my account status from charge-off to included in bankruptcy and have been unsuccessful in having this removed/updated. I would like to have this done as quickly as possible because this is causing me some problems in establishing a mortgage loan.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XX/XX/2017 XXXX XXXX Equifax- I have and evidently continue to have major problems with the soc alled credit reporting agency- last year I placed a Security freeze implemented by XXXX on all three reporting agencies which proved useless and causing me severe financial harm. I then had the Security Freeze removed directly by Equifax staff only to have it reestablished when they were hacked as a free offer by them.! The now send me a letter explaining they can not install the freeze even though they offer it and they did not secure my personal financial and private information.
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (OH)

I had a medical bill which was XXXX XXXX XXXX 's Hospital for {$1200.00}. XXXX XXXX 's gave me a 50 % discount if I paid it by XXXX XXXX XXXX, Which would make it {$640.00} so I went ahead and paid it. Then I got a bill from Global Receivables Solutions , Inc . I called them and told them it was already paid and they should contact XXXX XXXX XXXX Hospital about this, I also contacted XXXX XXXX 's and told them about Global Receivables. I have called over XXXX times about this mater to get it resolved, XXXX XXXX 's says I do n't owe anything but Global Receivables wo n't stop calling me I keep telling them they should contact XXXX 's but they get rude, the last time the man hung up on me.
Consumer complaint received 2021-02-12
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. (AL)

Ive repeatedly disputed with XXXX  and equifax my late payments reported on credit report from XXXX. I supplied documents proving the late payments were jot late just deferred but neither will change my report.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

Ive repeatedly disputed with XXXX  and XXXX  my late payments reported on credit report from navient. I supplied documents proving the late payments were jot late just deferred but neither will change my report.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & this account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XXXX, XXXX I was charged twice for a fuel purchase that was n't made by me. The charges shown are back to back on the same day in an unknown location to me. This card is specifically used for fuel. The amounts are as follow : {$50.00} invoice # XXXX {$50.00} invoice # XXXX Two days prior I used the card to fill up my tank and then used it the day after these charges when my tank was halfway full. I am an XXXX driver and use the fuel card issued by XXXX through XXXX Bank. I own a XXXX XXXX ( 4 cylinders ) vehicle and in no way can use this much fuel even if I 'm running on empty. Also, the charges show a location in XXXX through something called XXXX Fuel. I never fuel in XXXX! 

Since XXXX was having some technical difficulties with fuel charges not posting on time, these charges were not noted by me until the following month of XXXX. This was XXXX XXXX when a message was received by XXXX apologizing for delayed fuel charges. As soon as I noticed the charges I contacted XXXX to notify them of the error. Their support indicated they would contact the credit card company and I needed to wait. 

It was taking too long to receive a response so I contacted XXXX Support constantly and was asked to be patient. At one point I was that the credit card company had an undetermined amount of time to resolve the issue. I told them by FTC ruling they had two billing cycles or 90 days whichever came first. 

After all these months of waiting, I finally received an email on XXXX XXXX from support telling me the dispute was finalized and denied and that the internal review from the credit card company was confidential. 

I was also told by XXXX they no longer had any control over these charges and were no longer able to assist me.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I recieved a letter from discover card that were closing my account. I 've missed one payment and had one payment come back return from one of my accounts due to fraud being done on the account and me having a freeze on my account. My account should not be closed and also there are charges on this account and fees that I was told would be credit before my next payment was due. I really like this company and would like for my account to remain open. Also I sent in a money order for XXXX on XXXX and that should have brought my account to current ... ... I have proof of the money order as well
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc. (GA)

RE : XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX keeps Refusing to delete old obsolete Addresses I pulled a copy of my annual credit report and saw that there are 7 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an address that I have never lived at. I believe this is identity thief. They are putting utilities in my name. 



Dear Representative, I pulled my credit report using annual credit report ( XXXX XXXX XXXX ) from all three of the credit reporting agencies. When I received my report from XXXX and XXXX I notified that they were not deleting my old addresses as I asked them to. They are continuing to report my old addresses in the file. I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but XXXX and XXXX is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. It is clear that XXXX and XXXX doesnt care about 100 % accuracy on my credit file. This is misleading my creditors and those third party that use the information in my consumer file. 

I am only asking that information on my credit report be 100 % honest and accurate which they have failed to fulfill. 

I look forward to your reply and assistance on this matter. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm writing seeking your help about my dispute letters sent to all three bureaus on XX/XX/2020 regarding the inaccurate things on my credit report. As of today I have not heard anything about their investigation. I have been working on the front line battling Covid-19 for over a year now and you can't imagine how much stress I have been under with dealing with death after death of patients under my care. Being helpless and doing as much as I can and not being able to save them is the worst feeling. As soon as I was able to breath again I decided to pull my credit report and to my dismay I find all these inaccuracies.
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (OH)

Transworld System INC. Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

Please provide the certified mail with receipt of notification. This company has never supplied the Assignment of debt or Method of verification. 

Anyone can compose document they delivered through the portal. 

Please provide a BIDINGIN CONTRACT. Please provide PHYSICAL PROOF OF THIS DEBT.
Consumer complaint received 2021-02-12
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. (GA)

I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down equifax over XXXX points.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (MO)

Ocwen Loan Serving LLC reported my payment for XX/XX/XXXX late. I contacted Ocwen and told the my payment was sent thru XXXX XXXX in XX/XX/XXXX. Ocwen checked and my payment was sent in cash thru XXXX XXXX in XX/XX/XXXX. Ocwen corrected my credit report in XX/XX/XXXX but they did not correct their internal records.Their records show the payment received XX/XX/XXXX. I am trying to refinance my other house. When XXXX XXXX asked Ocwen for a payment report it said my payment was late. That is not true. This could stop me from refinance my house to pull out cash to help my daughter pay for College. She is XXXX at XXXX University. Also I had some debt that I was going to pay.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/XXXX, I opened a claim with my Insurance Carrier - XXXX XXXXXXXX, due to water damage that was the result of negligence of the upstairs condo unit above my property unit. After six months, XXXX XXXXXXXX finally released checks issued to myself and my mortgagee. Damages are in excess of {$100000.00}XXXX XXXX XXXXXXXX issued two checks in the amounts of {$76000.00} and {$2200.00}. I endorsed the checks and sent them to FlagStar Bank, Property Loss Claims. They received those checks on XX/XX/XXXX. 

In order for repairs to begin and continue in a timely manner, while waiting for the funds to be released from FlagStar bank, I paid out of pocket to the contractor XXXX XXXX XXXX. Copies of the initial deposit for work to begin and second payment are attached to this complaint. As well, I paid out of pocket for materials as that was not included in the repairs estimate from XXXX XXXX. Funds out of pocket, TO DATE, total {$31000.00}. In order to continue with repairs another {$19000.00} is due today, XX/XX/XXXX. 

Payment schedules, contractors information, copies of checks, copies of all receipts for materials paid out of pocket have been submitted to FlagStar Property Loss Claims. 

FlagStar intentionally informs me of conflicting information of what documents are either needed or not needed to process my claim. Several representatives informed me of a new policy where I did not have to submit certain forms from their claim packet. Then, without informing me, FlagStar reversed their policy and the forms were now required. When I have contacted FlagStar to resolve this to get funds reimbursed to me, yet another new policy or other requirement is needed in order to pay the funds they are in possession of from XXXX XXXX. 

FlagStar is intentionally withholding money that is due to me to repair my property. FlagStar refuses to send an inspector to my property which is stated on their very own policy. In speaking with supervisor, XXXX, as of this morning, XX/XX/XXXX at XXXX XXXX, FlagStar will neither send an inspector, release funds that are owed to me or proceed with my claim stating there is a hold up with my HOA. My HOA is NOT involved in this matter. 

FlagStar is discriminating against me as a single elderly XXXX female. A complaint will also be filed with HUD in violation of the American Disabilities Act, along with a complaint to The Federal Trade Commission.
Consumer complaint received 2021-02-12
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: Navient Solutions, LLC. (GA)

I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of EducationXXXX Navient # XXXX ; XXXX Please provide method of verification of late payment with physical proof.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners (TX)

XXXX XX/XX/21 Affiliate Asset Solutions continued to contact me without leaving a viable voicemail for return calls. I contacted them and would not give any personal information over the phone but they knew the number I was calling from. They asked for a specific person and hung up on me when I complained that the person of interest did not have this phone. I called back several times to establish how they got my information and what they wanted but since I wouldn't give my name I was subjected to repeated hang-ups and disrespect for my time with the issue.