davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (IA)

I have my mortgage through Pacific Union Financial. 

My XXXX Escrow was incorrectly charged {$1800.00} to a different insurance company. 

After calling immediately, the supervisor said they would work to remove the charge by the end of XXXX. The end of XXXX arrived and my next mortgage payment was {$1000.00} instead of the expected {$740.00} ( perhaps slightly adjusted for taxes ). We called the consumer service line again and was told we had to wait for the refund to arrive before analysis could be run. This was the error, we should not have been responsible covering the {$1800.00} charge on our account. 

XX/XX/XXXX, I called again and they said they submitted the escrow for re-analysis. 

XX/XX/XXXX, I called again and they requested a new escrow analysis. 

XX/XX/XXXX, Insurance department supervisor for the insurance department stated that they had expedited the analysis requested the previous week, but I would still owe the {$1000.00} for my XXXX mortgage payment. 

XX/XX/XXXX, Insurance department supervisor informed me that the escrow department had denied the re-analysis request from earlier in XXXX, but did not specify the reason. I was unable to be connected to any escrow representative or have the mortgage payment adjusted for XXXX, even though this was Pacific Union Financial 's error on my account. They said the readjustment could take several weeks, by which time, I expect they may also over charge me for XXXX, which I can not afford.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (CT)

My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. 



Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. 



After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. 



In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. 



This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.
Consumer complaint received 2023-10-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (HI)

Mortgage note could not be released in XXXX when we wanted to pay it off. This is because of fraudulent assignments. 
We are asking shell point mortgage servicing to give us a Complete accounting of all fees charged to the escrow account from XX/XX/XXXX through XX/XX/XXXX. This is the time period of only XXXX years.
Consumer complaint received 2017-12-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I purchased a new home in XXXX, FL in XXXX at the address of ; XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I paid {$230000.00} for the home. I could only finance {$140000.00} at that time with XXXX XXXX so I financed {$35000.00} with XXXX XXXX which is the builder of the home, I put {$60000.00} down to XXXX XXXX and {$35000.00} down to XXXX XXXX ( the builder ) leaving a balance of {$140000.00} to finance the home. I have a deed that proves the {$350000.00} was paid-off in XXXX leaving me with only {$140000.00} balance to the lender. 
About ten years into the loan I borrowed {$42000.00} for a small business loan that I incorporated into the original mortgage and still maintained one mortgage. 
The issues began when my mortgage was being bought out by three other loan companies which includes my original mortgage company XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and finally Ocwen Loan Servicing (  current lender ). 
In summery, without my knowledge the factuality information about my loans being transferred from one to another were without my knowledge or my consent. All these transfers were raising the mortgage amount and the payment amount as they were bought out beyond my control. With all the issues that I have been dealing with made me do a lot of extra research and I have found out that all the listed lenders ( excluding XXXX XXXX ) are in class action lawsuits and being sued for fraudulent actions, such as over charging for forced insurance, causing sales of homes and placing people in foreclosure. 
This was severely doubling the loan payment and increasing the mortgage as consumer fraud as it was being bought out from lender to lender. There is no proof in this matter that says I am responsible for all these added amounts and fees and where they came about. 
Please assure me by my request, signed modification agreements and by my allegations that this is of fraud and Im correct. I can show proof of the original mortgage amounts. 
Please assist me by helping me resolve my issues by reviewing my original note which I have showing I paid {$230000.00} for the original mortgage, and {$1200.00} payments, giving the {$60000.00} to XXXX XXXX, {$35000.00} to Banner Homes and having a remanding balance of {$140000.00} owed in which I have been paying on since the purchase of the home for at least 24 years. 
Respond to me by carbon-copies who is resisting me on these recurring matters. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX CELL : XXXX
Consumer complaint received 2017-12-28
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ECMC GROUP, INC. (CO)

I received a letter that they will be garnishing my wages of 15 % each check. I had no idea of who they are and where they are coming up with the amount. All I see is that it is student loans but no idea of it 's private or federal as no information was given exempt that my paychecks will be decreasing and I live off every dollar amount now to survive. I will be financial crippled if these people garnish my wages. Not only did this come out of the blue - they contacted me through my place of business leaving me subject to losing my job making my life situation worst.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CA)

During the time I was applying for a refinance I asked my current mortgage company Freedom mortgage if they could accommodate bi-weekly payments and they stated NO. At which time I started the process with XXXXXXXX XXXXXXXX  who could. I had been with Freedom mortgage just under two years and and had no late payments I would have preferred to stay with them if they could accommodate my request. I completed my transaction with XXXX XXXX and unfortunately the transaction did not happen as quickly as they liked and according to the agent who I spoke with stated it was auto generated and could do nothing about it. I think this was a crude tactic to hurt me and my credit report for switching companies. Again I have had not one single late payment before or after this switch.
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint mortgage has violated several mortgage lending laws, has defrauded me on multiple occasions and continues to do so. They have ruined my credit preventing me, a real estate investor by trade, from obtaining mortgage financing for my current projects. For the first time in over 40 years I have been denied credit because of Roundpoints mis-reporting. Roundpoint needs to be held accountable for their malicious, illegal and fraudulent behavior. If Roundpoint has done this to me a mortgage professional, how many other people have they done this to? I believe an audit of Roundpoint 's business practices will reveal rampant fraud within their origination. Roundpoint mortgage is in violation of mortgage collection laws regarding threatening and abusive phone calls.

Roundpoint failed to properly notify me they had purchased my mortgage loan in XXXX of 2023. As evidenced by their own correspondence dated XX/XX/2023 they are in violation of proper notification laws. A company can not notify you XX/XX/XXXX for a XX/XX/XXXX payment due date and then charge you late fees when they do not receive the payment ; that is fraud. Attached are my canceled checks from XXXX XXXX, my previous lender. XXXX XXXX clearly date stamped the checks XX/XX/2023. Roundpoint is in violation of mortgage loan collection laws by attempting to strong-arm me into paying late fees when I payed my mortgage payments on time. 

Attached also are my XXXX payments to Roundpoint which were clearly made on time. Roundpoint is defrauding my by refusing to give me interest credit for principal I paid over 4 months ago. Roundpoint has been holding over {$6000.00} of my money for over 4 months now and refusing to return it or apply it to my mortgages. Roundpoint needs to properly apply my mortgage payments and back date the principal reduction payments and credit me the extra interest they have been charging me on the scheduled and additional principal I have been paying for nearly a half a year. 

As this is the 3rd complaint I have filed with the CFPB regarding this problem I have also submitted copies of this and all prior complaints to both the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX, State Attorney 's Office. I am requesting investigations for trust fund account mishandling, conversion and gross fraud.
Consumer complaint received 2023-04-18
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX AV XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$420.00} ; XXXX XXXX NA XX/XX/XXXX.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (AZ)

I received a XXXX credit card from XXXX XXXX around the end of XX/XX/XXXX that I had never applied for. The same day I received a letter in the mail saying there had been an unauthorized purchase on that credit card. Since I had never applied for a XXXX credit card I called XXXX XXXX. I was alarmed when an automated voice asked for the card # and my social. I did not want to give that information over the phone. I thought both were fraudulent and so I shredded them. On XX/XX/XXXX I received an unauthorized purchase in the mail from XXXX and when I checked online it was from an XXXX credit card from XXXX XXXX that I had never applied for. When I called XXXX I was placed on hold and the call was disconnected. I called back and they eventually connected me with XXXX XXXX. XXXX XXXX asked for the card number and I told them I did n't have it because I had never applied for the card and had never even received a physical card. They then put me on hold and the call was disconnected. 
My complaint is that XXXX XXXX is opening credit cards in my name. I am worried that they may open an account to XXXX, XXXX or any other store where I shop without my approval. I have excellent credit, I use several personal credit cards of my choice and do not want to have any additional credit cards.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on my credit inquiries I see in the last weeks some fraudulent inquiries i am guessing may be linked to fraud effort to obtain a car purchase or car loan or finance, from companies such as ( I am not trying to get any such matters and never contacted any of these companies ever ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe more. 
someone is fraudulent and stealing my identity and I need this stopped and investigated. 

I put fraud alerts and credit freezes on all three credit reports and their fraud division needs to review this also. no one should access my info! its all fraud..
Consumer complaint received 2023-07-23
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: FIRST PORTFOLIO SERVICING INC (FL)

Purchased by another lender & Duplicate account This account has been disputed and removed from XXXX due to the present issue. 

But still remains on my XXXX and XXXX reports. 

Inaccurate credit reporting, as the information being reported is not up-to-date and misrepresents the credit history. 

Failure to accurately report the transfer of ownership. 

Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Consumer complaint received 2023-07-23
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. (CA)

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX : Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On the morning of XXXX I was searching online for a pair of gloves for my XXXX year old daughter, to complete an over looked x-mas gift. I came across a pair on XXXX for {$19.00} and purchased them, Order #, I do recall entering my information for shipping, but I never applied for any credit for a {$20.00} item from XXXX that I would rarely ever buy an item from! A little while later I received an Alert from XXXX XXXX and Trans Union, checking both to verify there is a hard inquiry from XXXX on my credit report for credit that I never authorized.. Later that evening on the XXXX, After reading literature on XXXX XXXX about online dispute, I went to Trans Union to do an online dispute # XXXX on XXXX I then contacted Trans Union by phone as I was unsure of my online dispute process was complete, I was then told I could not file this dispute with them or online, and that I would have to contact XXXX to get an Inquiry Delete letter from them, which I ca n't understand why offer a dispute process online when your not going to dispute it, I also have them the dispute number and was told that meant nothing, was only told that was mainly dealing with the other simple correction that I had noticed on my account, like phone numbers and address, So I contacted XXXX, was told I do not have a credit card with them, so do n't worry about it, but they are still failing to realize, that I have a hard inquiry that I never authorized, so after raising a little more ruckus, I was switched to another person named XXXX # XXXX , she said that she would provide this this letter that I requested, Inquiry Delete letter to the credit bureaus, and I copy to myself in 7 to 10 days..
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

Been trying to get procollect to validate a debt they say I owe but they refuse to validate it, I been asking over 6 months & still they refuse, calls, emails, certified letters, emails, XXXX complaint, FCRA. Complaint & if it 's my debit please validate it cause it 's not money & they trying to collect money something I do n't owe, they placed it on my credit but wo n't validate it XXXX I  spoke with her on XX/XX/XXXX she claim she was going to send a validation and I have yet to receive anything ... cause this is a fraud collection agency & they ca n't validate theses debits they trying to collect on..I am XXXX & if the trying to scam me I can imagine how they doing the elders they take advantage of people, they try to make you pay something not yours & wo n't validate the bill ... If they knew this was my bill they would have been validate this but they ca n't cause they do n't have nothing to validate with but they keeping it on my credit & when I dispute it they says it 's validated but wo n't send proof to me!! I emailed the office back cause they told FCRA they will be sending me Validation I will upload the email I was sent a few mins ago ... I have USPS mail where my mail gets scan in the system & I receive a email every morning what 's coming in my mail box ... NOTHING FROM PROCOLLECT but let him tell it he been sending for years how when I just disputed this month 's ago it 's not making sense at all I called post office it 's going to take 3 business days to get me a print out of all my mail from the last part 3 years to show it 's nothing from then this is how bad he LIE ... if you lie about a simply validation wow what about the account it 's self!!
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Have written XXXX letters on XXXX, XXXX, XXXX and informed them that I am a victim of XXXX, Experian XXXX XXXX security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries that were resulted from the breach are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

I ran a credit report in XXXX and this debt did not appear ... .9 months later in XXXX ran another credit report and this debt from XXXX XXXX have appeared. This claims to be a debt from XXXX for XXXX. I have been a XXXX XXXX customer since XXXX. I did not receive notice nor any information validating the debt. I have had no contract with XXXX. This is not my debt and I want it removed from my credit report.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (CA)

IC System, Inc submitted to me the ORIGINAL CREDITOR listed as XXXX XXXX. 
Since then, IC System , Inc has changed the original creditor. ( 2 ), two times.

It is clearly stated that I do not have a second chance to make corrections. 

As stated, I have never done business with XXXX XXXX. No Invoices. 
No bills paid to XXXX XXXX. 

In addition, I am left confused, why is IC System , Inc. requesting information for an attorney.