davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

I got a copy of my credit report on XX/XX/2022 because I want to refinance my house. My credit report showed that I had 1 medical collection reporting.

I called the collection agency Medical Data Systems collection agency listed on my credit report. I was informed that they had 2 medical debts of mine from 2 different creditors. There was only 1 debt showing up on my credit report. I asked if they would delete the account that is being reported from my credit report if I agreed to pay the {$290.00} in full. They refused. Since they did not own the debt, I sent a demand letter to return the debt to the original creditor. I then paid that debt to the original creditor.

The second debt that Medical Data Systems held that was not reporting to the credit bureaus was for {$49.00} and I agreed to pay it by money order ( attached ). I sent the payment in the mail the following day on XX/XX/2022. 
I got an updated credit report on XX/XX/2022. The credit report shows that Medical Data Systems is reporting a debt of {$62.00} as unpaid. 
This collection account was not on my credit report on XX/XX/2022. I feel that they reported that account as retaliation for demanding the larger debt to be returned to the original creditor. 
The amount of the debt that is being reported is incorrect. 
The account balance is being reported is incorrect. 
I want the account removed from my credit report since it is inaccurate.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Attempted to retrieve my annual credit report on-line from Equifax ( via XXXX ) on XX/XX/2020 at XXXX EST. Equifax stated they are unable to provide on-line delivery of my credit report and that I am required to submit the request via postal mail ( see attached ). 

With all due respect to Equifax, the other credit reporting agencies ( XXXX XXXX XXXX ) were able to provide my credit report on-line. Please advise. 

Would appreciate your assistance with this matter. 

Thank you.
Consumer complaint received 2020-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

This is probably my fourth or fifth time filing this complaint against Experian. They have never failed to respond to my complaint in a timely fashion. But at the same time they never addressed my complaint. In effect what they have done is if you were to ask me what does 2+2 equal  and I answer see the cow jumped over the moon I responded to your question but I certainly didnt answer it. That is exactly what Experian has done for five times. Now for the nature of my complaint. My information had been hacked so I had a lock on my credit. I lost the password so Experian told me it would cost XXXX bucks to get the information to unlock it so I went head with that. They proceeded to charge my credit card about {$43.00} and instead of sending me the information to unlock my account they sent me a credit report. So the next day I called them back and they demanded another {$20.00} for what I have already paid for in the first place. They told me no {$20.00} not unlocking my account. So I now paid {$63.00} about for a {$20.00} bill and had nothing to show for it. This time the information I requested came. That was when the real trouble began. I spent maybe 100 hours on the phone and was threatened by Experian in an attempt to get my money back. When I told them I would dispute the charge with the credit card company is when they threaten me with them taking no action and no longer attempting to work with me to get my money back. So my question is why did they make me go through multiple phone calls and many many hours on the phone to get my {$40.00} back. I have never answered this in the past and I dont suspect they will now but I will keep doing this
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

Good afternoon, Consumer Financial Protection Bureau. 

Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed. 

The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX. 

I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted. 

on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted. 

The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ). 

I have received threatening letter and call about this account that has already been disputed. 

I really need you help.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (CA)

I have been scammed with money transfer through XXXX, XXXX, and 1-time transaction XXXX. XX/XX/XXXX XXXX and XXXX through XXXX. XX/XX/XXXX XXXX and XXXX through XXXX XXXX. XX/XX/XXXX {$50.00} through XXXX. XX/XX/XXXX, XXXX, XX/XX/XXXX with XXXX each which sums up {$410.00}. The merchant 's name was XXXX XXXX XXXX in the XXXX associated with XXXX XXXX that's part of the scam.

The company is Money network XXXX XXXX XXXX.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Following my credit report I have seen a few accounts which never seen before. 
I do not recognize these accounts and requiring to remove them from credit report, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. Please remove all of these accounts from credit report as soon as you can.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

my complaint is about Specialize Loan Servicing company.My loan was held by XXXX XXXX XXXX after taken from XXXX XXXX.In XXXX XXXX  give it to this company everything was fine until this XXXX when my insurance was increased. Immediately I made telephone contact regarding cancelling to a lower premium of which I did. You will note in the articles I send. After that was taken care by a person by the name of XXXX ext came a bill with a different payment. I spoke to XXXX who assured me that the insurance, monthly payments that I send and the total Escrow Balance that they quoted paid in full plus some overpayment.Why the overpay amount at first they send me a balance for {$4500.00} after I paid that they send me a different amount instead which is {$3800.00} you will also note in the receipts I send a correspondent requesting a new calculation since I paid the escrow in full and my taxes remains the same I pointed out that my monthly mortgage payments should be less.The new insurance is almost 1/3 of the new and still below the original which was $ XXXX.Up to the month of XXXX my monthly payments remains at {$1300.00} XXXX stated I should wait for a new bill while she make sure all the monies are placed in their proper place including the monthly payments that I still send'She also told me that they record only partial payment for the month of XXXX I send the copy to the company for it to be fix..In XXXX there comes an incorrect bill -- you will note I spoke XXXX relate the whole problem nothing is been done. While this is going on the company is sending me delinquent lettere two in each month.The payments varies each month XXXX it was {$20000.00} XXXX $ 1994.88+ {$50.00} XXXX $ 1994.88+ new fee and also escrow amount I am so frustrated, full of fear of loosing my house I am XXXX XXXX XXXX, retired I cant afford to loose my place especially when the problem is due to a company that refuse to make things right. I have to combine my social security benefit check with my retirement check to make monthly payment I am already stressed this problem is making my XXXX XXXX going through the roof. I do everything they requested still there is no cooperation on their path. when looking into this matter Please note My escrow Balance is paid in full by me. MY taxes amount remains the same and ( 3 ) my insurance is less than my original amount and less than 1/2 the amount of the {$5900.00} that is cancelled. with these in mind there is no accountant can calculate my payments to be more than my previous payments. It MUST BE LOWER THAN {$1300.00}. 
I am looking forward for your help. 
If there is anything that you need to verify you may call XXXX text or email me at XXXX.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I have attempted to refinance my original mortgage with Quicken Loans. Quicken is the original mortgage holder of our FHA mortgage. We turned in all of our documentation, which shows a combined income of over {$170000.00} a year, including a traditional profit and loss sheet from my wife 's XXXX XXXX. The refinance amount was {$450000.00} over a 17 year period at 2.8 %. Our credit is immaculate and our income is actually greater than when we originally bought the house. We received a denial letter dated XX/XX/2020, that says, Debt to Income : XXXX XXXX Income not supported. The problem was our Quicken Mortgage Banker, XXXX XXXX, has no idea how to read a profit and loss statement. Her misinterpretation of how a negative number represents income caused her to enter information incorrectly which caused this fiasco. I have been able to obtain approval with another mortgage company at a better rate and with a 15 year commitment in less than 24 hours with the same information I supplied to Quicken.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IA)

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, IA. XXXX. 
Caliber Home Loans is my mortgage holder -Account # XXXX. 
Apparently, Caliber 's home office is in Texas : XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX On XX/XX/XXXX, I received a notice from XXXX XXXX, IA of taxes due. I tried to call Caliber Home Loans to ascertain if the taxes had been paid out of my escrow account which is the norm. I was transferred around. Third party representatives could not find my account. 

Thus, to insure the integrity of my property, on XXXX XXXX I paid my taxes-see below. 

Today, I retrieved my mail from my XXXX XXXX XXXX, XXXX, IA XXXX. My monthly mortgage statement was in the mail. The monthly mortgage statement does not reflect that I made the tax payment out of my credit card. Instead it reflects that the taxes were paid out of my escrow account. 

XXXX XXXX Iowa confirms that I paid the taxes online, NOT CALIBER Home Loans. 
Therefore, there is {$320.00} missing from my escrow account. 

As of XXXX AM, XXXX, I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
XXXX stated that he was transferring me to a second tier to see if there was a way to end the escrow tax payments. Note that was not the primary reason for my call, I want to know where my {$320.00} is. XXXX stated that she would stay on the line and connect me with the tax department to find out where my money was. Instead she transferred me to XXXX, who sounded like she was offshore and then either hung up or disconnected me. 

I subsequently called back and spoke with XXXX who refused to transfer me to a supervisor and instead transferred me to XXXX, who had no idea why I have been transferred to her. 

I requested of XXXX that I be transferred to a supervisor, who then transferred to the tax department to XXXX. XXXX can not find my account. As I write this I am on hold for a supervisor. 

I am requesting that the Attorney General 's Office of the State of Iowa not only assist me in ascertaining where my escrow money is, but also require an audit of Caliber Home Loans with respect to their customers in the state of Iowa. 

Thank you for your time. I look forward to your response. 

Sincerely, XXXX XXXX XXXX, XXXX. ; XXXX XXXX Receipt # XXXX From : XXXX Sent : Fri, XX/XX/XXXX at XXXX am To : XXXX XXXX XXXX TREASURER XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DATE : XX/XX/XXXX XXXX AM OPER : WebPayments TKBY : WebPayments TERM : XXXX REC # : XXXX XXXX Tax Collections Parcel : XXXX Second Half Owner : XXXX XXXX XXXX XXXX XXXX Tax XXXX Paid By : XXXX XXXX XXXX XXXX REF : Import Payment
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

I am beyond frustrated with the complete lack of accountability and communication on the part of XXXX in the handling of my escrow account/property tax bills. I have been given no reason to believe that they are capable of appropriately managing my account and have no faith that they will follow through with their commitments in a timely and/or accurate manner due to my experience in attempting to work with them. Details below : XX/XX/2022 - XXXX received notice from the township that the winter property tax bill had not been payed on our property. 


XX/XX/XXXX- I reached out to our mortgage servicer, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, via phone to enquire further. The representative requested that I send a copy of the notice/tax bill to their customer service email address and that it would take two days for them to receive the message ( for an email? ) after which a representative would be reaching out to me with an update. 


XX/XX/XXXX- I sent a Notice of Error via email to their customer service email address ( XXXX ) including a copy of the notice of delinquency and the updated property tax bill with late fees. I specifically requested that they contact me with any questions and notify me immediately of any updates. 

WEEK OF XX/XX/XXXX- I called customer service again to follow-up on the issue as I had not received any communication and did not see any indication of a payment being issued in the online account information. I was told that they had received the documentation and were working on a resolution and the payment would be issued to the township shortly. 

XX/XX/XXXX- I received notice that the township had passed the tax bill over to the county for collection and additional fees had been assessed. 

XX/XX/XXXX- I again called customer service and was assured that they were working on the issue and they asked that I submit a copy of the new notice/bill from the county. I immediately sent these documents via email to the specified customer service address and again requested that they keep me apprised of any updates. 

XX/XX/XXXX - In absence of any communication I once again reached out to customer service via phone on XX/XX/XXXX and was told that a work order was pending and that the bill should be paid on XX/XX/XXXX. 

XX/XX/XXXX - I finally received communication initiated by XXXX in the form of a letter that simply stating their appreciation for bringing a non-descript issue to their attention and their assurances that they were working on a resolution. 

XX/XX/XXXX - I again called the customer service line to confirm that the payment had been issued and was told that there was now another work order for payment with a scheduled completion date of XX/XX/XXXX that did not include any specifics concerning the amount to be paid.
Consumer complaint received 2020-08-03
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: CITIBANK, N.A. (CA)

I purchased a painting on XX/XX/2020 from XXXX XXXX for {$130.00}. Once I received the painting the canvas was loose, the frame was much larger than in the picture and the quality was not anything like shown on the website. 

I communicated with the seller on XX/XX/2020 and let them know that I wanted to return the painting and asked for an address to send it back. 

They responded on XX/XX/2020 and asked me to send them pictures of the item. 

I sent pictures over on XX/XX/2020 and again asked for instructions on how to return the item. ( I received no response ) I followed up on XX/XX/2020 and asked again for return instructions. 

They responded on XX/XX/2020 and said that they would send out another painting. 

I responded on XX/XX/2020 and told them that I don't want another painting I just want return instructions. This was the 3rd time that I had requested return instructions. ( no response from them ) I reached out for a final time on XX/XX/2020 and told them that if I did not receive return instructions by XXXX PST on XX/XX/2020 I would be reporting to my Credit Card. ( received no response ) Disputed with my CITI Credit Card on XX/XX/2020. 

CITI did not approve my dispute which I can not understand why, I provided information on our communications and images of the item.
Consumer complaint received 2022-03-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

My car was totalled on XX/XX/2021. I received a letter from XXXX XXXX XXXX processing Dept stating that the remaining balance of my loan was paid. I received a letter from Credit Acceptance Corp dated XX/XX/2021 stating that there was still a balance but didn't state the remaining balance owed in the letter. I called Credit Acceptance Corp and was told that I still owe a payment of {$1200.00}. I checked my credit report and XXXX XXXX is still reporting a balance of over {$3200.00}. 

According to the letter from XXXX XXXX XXXX, this loan is paid in full. They covered the remaining balance after the primary insurance pay out
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (PA)

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

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2020-08-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I have found SLS very difficult to work with. Applied for Loan Mod. in  XX/XX/XXXX, but they claimed they did not get it. Resubmitted all documents several times and finally new Loan Mod. granted and mailed out on XX/XX/XXXX. I signed and returned all paperwork and completed the 3-Trial payments, on-time, as of XX/XX/XXXX. I requested a LOWER Interest Rate and Monthly Payment Amount for the ne payment amount. However, SLS RAISED the Interest Rate from 3.75 % to 3.87 % and RAISED my monthly payment. I called SLS on this, on XX/XX/XXXX and spoke with " XXXX '', who stated, " These terms are non-negotiable. That's the only way we are able to approve the loan modification. '' XXXX refused to give me her ID #, so I had to call back on XX/XX/XXXX and get it. Teller ID # XXXXXXXX. Said she does not have an MLS #. I filed a Complaint on XX/XX/XXXX and SLS said they could not read it. I re-faxed the information, again, several times and resubmitted the CFPB Complaint. SLS has DONE NOTHING to correct these Complaint ISSUES. The CFPB has a Glitch in the system, which would NOT allow me to submit my complaint. I had to SAVE it to a File ; and then attach that File.