davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

Freedom Mortgage Corporation manages an escrow account for the property I purchased XX/XX/XXXX. Although they have used the account to pay the residential property taxes ans property insurance - they failed at paying the taxes on a separate tax parcel that was included in the mortgage agreement. 

Despite my multiple attempts to resolve the situation, my closing company 's multiple attempts, and my original loan servicing company 's multiple attempts to resolve the situation, Freedom Mortgage Corporation has neglected to pay the taxes for that parcel - despite the escrow account having the required funds to do so. 

As a result, late fees and penalties were incurred due to this mismanagement of the escrow account in breach of the original mortgage contract agreement. 

I have since received a " refund '' check from that escrow account for the overage that I used to pay the complete tax bill including penalties. However, I feel as though Freedom Mortgage Corporation is liable for these fees, and should be reimbursed to me as a result - totaling {$470.00}. 

Freedom Mortgage Corporation has continued to ignore my requests that they respond via electronic correspondence so that there is a record of the interaction between us. 

They have also sent an indication that they intend to lower my monthly auto-payment of my mortgage payment to reflect these tax funds not being withheld any longer - forcing me to essentially start my own savings account to pay for the taxes that they are contractually obligated to collect funds for and distribute payment accordingly. 

I initially raised this issue on XX/XX/XXXX with Freedom Mortgage Corporation through my loan servicing company and real estate closing company. It is now over three months later, and even after threatening Freedom Mortgage Corporation with this impending complaint, they have still refused to respond.
Consumer complaint received 2020-03-20
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. (SC)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

I have complained to the Consumer Financial Protection Bureau that because of the coronavirus I am not able to make payments at this time to Discover Card. Nevertheless Discover Card has been harassing me with now FOUR ( 4 ) demands for payment within a couple of weeks! 

The United States Secretary of the Treasury had advanced tax date from XX/XX/XXXX to XXXX XXXX and has forgiven all late fees and penalties. Furthermore all student debt late fees an and penalties and payments are suspended! 

But Discover Card is being un-American and unpatriotic in demanding payment from me that I can not because of the coronavirus make at this time. 

I SHALL NOT MAKE ANY PAYMENTS AT THIS TIME. 

Let Discover Card sue me a court of law! 

But Discover Card may not impose any late fees or penalties and must stop harassing me!
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I filed a complaint ( number XXXX ) and my complaint was closed because fifth third bank responded ; their response was they were " looking into the matter ''. I continue to be charged interest for a balance transfer that never took place and my complaint was closed because they were " looking into it ''? I am filing another complaint because the bogus charges continue to accrue with no attempt at resolution by the financial institution.
Consumer complaint received 2024-10-08
Product: Credit reporting 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. (CO)

On XXXX, I mailed the form " XXXX XXXX XXXX XXXX XXXX '' to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. On that form, I requested a credit report from Equifax, XXXX, and XXXX. XXXX and XXXX sent me my credit report. Equifax sent me nothing. 

In previous years, I have used this same form and received reports from all XXXX companies. This year, Equifax ignored my request and sent me nothing.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (OH)

Pursuant to 18 usc 8, i owe no debt, this company is violating my consumer rights to privacy pursuant to 15 1681 b to company also has NO permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Experian XXXX  & XXXX  continues to update account information that does not belong to me. Even after submitting my police report for Identity thief, and filing my FTC report the credit agency 's are still just updating the information. Of course if my information was used to open the accounts of course the information will be verified, none the less I have contacted XXXX XXXX to dispute an account and they are telling they can't provide any information because the ss # does not match, Also XXXX has not been verified due to the balance they have me owing {$86.00}, XXXX when the balance on the card show 's {$8600.00} its a type o, but they wont even brother to correct this major mistike, These mistake are causing me to lose out on the chase of home purchasing and have XXXX of my hard earned money taken from me due to their unfair reporting practices.
Consumer complaint received 2024-11-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mortgage Research Center, LLC ()

The property was Listed for short sale. A contract for purchase and sale was executed between buyer and seller with approval of a Listing Agent, Buyer 's Agent, their brokers, and the homeowner 's foreclosure defense attorney. Authorization documents, along with the initial offer package was submitted. At that time a workout package was requested, which was to include a demand for any hardship documentation from the homeowner. However, a senior level mitigator responded back rejecting the homeowner 's foreclosure defense attorney and the buyer 's agent Authorization To Release documents after all parties designated those two individuals to work together on behalf of the buyer and seller, siting company policy, not because the documents were incomplete or filled out incorrectly. The mitigator stated they would only work with the listing agent. That was the only reason given. That mitigator also copied the listing agent on the communication, which violated the Cease & Desist, Homeowner Do Not Contact, and Realtor Do Not Contact documents submitted by the attorney. We can find nothing from the XXXX XXXX XXXX, XXXX and in legal statute that gives the lenders servicer the right to make this demand. They however have a legal responsibility to try and negotiate a default workout resolution with the parties, and the parties have a legal right to appoint their chosen legal representatives. A servicer should not have the right to make that demand.
Consumer complaint received 2019-02-01
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. (CA)

My wife and I submitted telephonic requests, on or about XX/XX/XXXX, for our annual credit report from Equifax. The automated message said the reports would be mailed within 15 days. I submitted an online inquiry as to why we had not received our reports and have NOT received a response, of any kind, to this day. 
We have re-submitted our telephonic requests, again today in hopes that we will, eventually, receive what we should have long before this. 
We have inquired, several times, as to why, after many years of receiving these reports online, we can no longer do so. We have no recourse than to submit an online request but over the years we have found that all three of the credit reporting agencies are reluctant to honor the requests. It is really too bad we are held hostage by these entities.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: USCB, Inc. (TX)

I have a membership with XXXX  and receive alerts as changes occur on my credit report. I recently received alert that company uscb American had submitted a collection from XXXX XXXX. The collection dated to XX/XX/2018. I moved to Texas  in XX/XX/2018 and did not receive any correspondence that i owed a bill now more than a year later here is a collection appearing on my report that will remain for 7 years, I tried to communicate ith company to see if we could settle on an amount since this is an old bill and i was not aware. I am retired and on a fixed income and cant afford to have an extra expense and the company was unwilling to work with me for a reasonable solution. with the recent outbreak of the corona virus everyone is concerned about their finances. I have worked hard to bring my credit score and remain credit worthy and i am hurt and appalled that this company has submitted this report twice thus causing my score to drop by 54 points.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (AZ)

On XX/XX/2015, my attorney wrote Hunter Warfield a letter of representation regarding HW 's efforts to collect an illegal debt and requested that it cease and desist further collection efforts and remove negative information from the 3 credit bureaus. The letter was faxed, mailed and emailed to three people at Hunter Warfield and XXXX XXXX XXXX. The debt was not validated per my attorney 's request. My attorney and I never heard another word from this creditor. It was assumed this matter was disposed of. I recently received a notice from XXXX of this derogatory reporting.
Consumer complaint received 2024-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (GA)

A judgement for a past owed medical debt that I incurred on a credit card was entered due to me not fully understanding the court process. I have been attempting to make payments via phone or electronically as the attorney stated I could in court however when I attempted to do so, it says I am not authorized to make electronic payments. I then attempted to call in and make the payments however I am repeatedly placed on hold and no one ever returns to the call. I believe this company is intentionally attempting g to make me default on the judgement so that they can garnish my wages unfairly.
Consumer complaint received 2024-11-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

Newrez did not pay my town property taxes from my escrow account due on XXXX. There is now a tax lien on my home due to their negligence. There is also hundreds of dollars in late fees on top of my original bill from the town for non payment that I should not be responsible for since Newrez is supposed to pay bills from my escrow on time. I called Newrez on Monday to find out what happened and was told it would be paid within 3 business days. Today is Friday and they have not made the payment. I have never made a late payment on anything in my life and now I have to deal with this.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (SC)

VALIDATION AND CEASE AND DESIST Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Dear Sunrise Credit Services, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors : I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX has continually called my place of employment and left voice messages on a public telephone number threatening legal action against me as well as threatening to garnish my wages. I spoke with the representative and repeatedly asked them not to contact me but they continue to call multiple times a day
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (FL)

I am writing to formally dispute inaccuracies and inconsistencies in the payment history related to an account reported by FORITVA on my credit reports. The discrepancies were identified in the reports provided by XXXX, XXXX, and XXXX, which I reviewed thoroughly. Inaccurate payment history records : The payment histories provided by the credit bureaus contain inconsistent or erroneous reporting for various months and years. This impacts my overall credit standing and does not accurately reflect my payment activities. 
Status of the account : Differences in how the status of the account is displayed between different credit bureaus, leading to confusion and potential misrepresentation of my creditworthiness. 
I respectfully request that this account be thoroughly reviewed and removed from my credit report due to these discrepancies. The removal will ensure that my credit report accurately represents my financial responsibility. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports from XXXX, XXXX, and XXXX that highlight these discrepancies. 

Thank you for your attention to this matter. I trust that you will act promptly to rectify this issue and uphold the accuracy and integrity of my credit profile.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for 2 different credit card consolidation loans. One was through XXXX and the other through XXXX XXXX. XXXX XXXX is also the bank that I use for my Checking and  Savings Accounts. XXXX XXXX approved me for {$6000.00} which would cover one of  the cards and the remainder would be consolidated by the other loan. I used the XXXX loan to pay off both Capital One Cards that I have. 
XXXX XXXX did not indicate that it would send a check directly and instead sent checks and a card to me. Without telling me, XXXX XXXX also sent an electronic transfer to Capital One - causing one of the accounts to have a {$4900.00} credit on it. 
I called Capital One on XX/XX/19 and the representative ( XXXX, # XXXX ) told me that they would cut a check to refund this overpayment in 7-10 days. After over a week of waiting with no check in site, I called them to find out where it was. 
The first person I talked to told me that the check was never cut because my call was disconnected on XX/XX/19. I knew that wasn't true so I asked to speak with his supervisor. The supervisor ( XXXX, # XXXX ) told me that my refund check was held up in a " verification process '' that would not be complete until XX/XX/19 and then AFTER that it would take another 7-10 days to cut and mail the check. She said that neither expediting nor an EFT was possible because their refund department is backlogged. 
She was unable to explain to me why my credit needed to be " verified '' for 15 days before the refund. 
It seems to me that a company that makes a profit charging interest to borrowers should not be allowed to sit on client 's money that isn't theirs for over a month and claim that its a process issue. Especially when the person I spoke with last week assured me that I would have it by now. Is there any regulation in place that prevents consumers from getting the run-around like this? It's scary that they can hold my funds this way ( funds accruing interest, by the way ).