davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (TX)

It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The XXXX XXXX XXXX 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating the FCRA. I was surprised when I saw Factual Data on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my information.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc. (IL)

COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM XXXX XXXX XXXX THEY HAVE RECEIVED XXXX LETTERS FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT! 
THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED ME.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I am requesting an investigation of fraud and predatory lending on XXXX XXXX Mortgage and PHH Mortgage. I recently had my mortgage documents reviewed by a mortgage professional because I believed my sister ( XXXX XXXX ) and I were victims of mortgage fraud and predatory lending. My loan originated in XX/XX/XXXX by XXXX XXXX XXXX. I was supposed to be a co-borrower to help my sister buy her first home. I am a veteran but during that time frame I was on XXXX XXXX and was on my way to XXXX. The loan officer had my sister and I fill-in two applications for the mortgage loan. I was advised that I would be the co-borrower for only a few months until they refinanced the loan with only my sister on the new loan. I recently discovered that only my name was on all the mortgage documents of XXXX XXXX Mortgage although during the closing both my sister and I was required to sign all the mortgage closing documents. We were advised because we was bother and sister we had to sign separate documents. However, on the 2nd mortgage both our names are on the mortgage closing documents together. 

The loan officer put us in a sub-prime loan product and recommended two mortgages as an 80/20 loan product. The first mortgage was 80 % and a second loan 20 %. We had asked for a normal conventional loan but we was advised that we would have a regular conventional loan when they refinanced my sister in 3 months by herself. We was also put in a interest only loan for the first 5 years on the first mortgage and an interest only loan on the 2nd mortgage  with a balloon payment. The balloon is now coming due in XX/XX/XXXX. 

I have attached an article regarding XXXX XXXX being held responsible for loans that they purchased from Mortgage Brokers in the XXXX area due to illegal actions with sub-prime lending. I believe XXXX XXXX Mortgage and PHH Mortgage as my 1st and 2nd mortgage lien holders should be held responsible for the fraud and predatory lending on my loan. 

I also believe XXXX XXXX has continued to take advantage of me as a veteran, when they modified my loan in XXXX. My loan was modified to a 40 year loan. My sister has made every payment and the balance reflects very little paid to the principal balance of the first mortgage and nothing on the 2nd mortgage. We are also questioning the value and sell price when we purchased the home for my sister. It appeared the seller and the loan officer at XXXX XXXX XXXX  knew each other. We are upside down on our mortgage and refinancing will be impossible.

I have requested my original mortgage documents from my lenders but I have not received our original applications, HUD 1 and Closing documents to send to your office. I am also requesting a full investigation and I am asking that your review the attached  documents of the government investigation of XXXX XXXX and require similar actions against XXXX XXXX and PHH Mortgage on my behalf. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america is debating my account for {$130.00} and {$140.00} so far and might continue to debit my government card up to around {$700.00} because of purchases made by another individual that had used my card on a mobile phone website XXXX. The items were out of malicious acts and l XXXX wasn't responding due to XXXX reguarding stopping the transactions. I moved from the address and am at a different one altogether and am still followed by the same individual XXXX XXXX. 

XXXX is issuing payments and Bank of America is taking out my payments without talking with me and don't believe me!!! 

Please help! I use that money for rent, food and clothes.
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (NJ)

experian has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX   XXXX Balance Owed : {$4100.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NJ)

Entry appeared on my credit report, no communication from this company via mail nor phone in regards to this. Attached is a copy of a letter sent to them on this date requesting verification before legal action is taken. 

Copies sent to listed companies.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. IT HAS YET TO BE SETTLED. I SENT MULTIPLE DISPUTES INCLUDING FACTUAL DISPUTE. 

INTIAL DISPUTE : XX/XX/2020 30 DAY DEMAND : XX/XX/2020 FACTUAL DISPUTE : XX/XX/2020 FACTUAL DISPUTE XXXX : XX/XX/2020
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Green Tree Servicing Mortgage Co. harassed us monthly for mortgage payment. They also collected a XXXX dollar service fee for over the phone pay, for years. They sold our mortgage to Ditech mortgage I received a letter stating they broke the law in many aspects and have been sued. They sent a XXXX dollar check. This is not enough compensation for the money we paid them, and the aggravation and harassment we went threw. I would like to know what I can do about this? I can send bank statements to verify if you need them. Thank You
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

On XX/XX/2020 I sent a certified return receipt request letter requesting a QWR 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) to my mortgage attorneys XXXX XXXX XXXX in XXXX, Florida, attorneys for my mortgage lender Gregory Funding who I send a carbon copy of my QWR, on XX/XX/2020 ( first violation and false statement since they indicated they had receive my letter on XX/XX/2020, a copy of certified return receive is attached as well a copy of the USPS confirmation delivery on XX/XX/2020 ) I received a confirmation received letter Dated XX/XX/2020 by my Mortgage lender Gregory Funding, in this letter they stated they had received my QWR and they will investigate my inquires and typically provide me with detailed response within 30 business days from the day they receive my correspondence. As of today XX/XX/2020, they have not responded to my QWR passing 52 days violating RESPA rules ( Second violation ). 
They had also violated RESPA rules, how they had violet, by : 1. Failure to apply my payments correctly 2. Charging improper fees 3. Starting a foreclosure sale in violation of regulations 4. Fail the State of Florida Executive Order 20-180 signed by governor XXXX XXXX on XX/XX/2020. 
XXXX. Making and error in the servicing of a mortgage loan 6. Failing to properly credit a payment when proof of receipt is provided 7. Fail to provide a writing response, acknowledging receipt within 5 business days of receiving my QWR certified return receipt letter 8. Fail to respond to my QWR letter within 30 business days under 12 CFR 1024.36, Subpart C, 1024.36 ( d ) ( 2 ). 
Prior to this request on XX/XX/2020 I had requested a Notice of Error 12 CFR 1024.35 to my lender Gregory Funding and their Attorney XXXX XXXX XXXX responded on XX/XX/2020 stating that Gregory Funding has reviewed the accounting in connection with my complaints multiples times and has determined in good faith that no corrective adjustments are necessary. ( see attached communication letters dated XX/XX/2020 from borrower and XX/XX/2020 from XXXX XXXX XXXX, attorney for lender Gregory Funding. 
On XX/XX/2020 I apply for a loan modification ( see attached email with information corresponding loan modification ). 
On XX/XX/2020 I received and email with a letter attached from attorney XXXX XXXX XXXX indicating that Gregory Funding XXXX, LLC, and Gregory Funding LLC have already responded thoroughly and repeatedly to my redundant questions ( see attached letter ). They also indicated that if I have an alternative calculation of my indebtedness to provide them by Monday XX/XX/2020, allowing me to provide them with a resolution in ONLY 3 business days, like rules does not exist on my favor. 
I call today Monday XX/XX/2020 around XXXX XXXX and spoked with XXXX, a Gregory Funding agent representative regarding information on my loan modification and she indicated me that my loan is in foreclosure that there is no loan modification.
Consumer complaint received 2020-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENCORE CAPITAL GROUP INC. (WI)

Midland credit funding has collection of XXXX from one of three credit loans that was taken out fraudulently. On XX/XX/2016. I had two security breeches that are one record I just found out this was fraud I never looked into my credit until now that I found out someone was taking out loans. I filed a dispute which I attached and my security breeches and my theft.gov report
Consumer complaint received 2020-10-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AL)

National credit systems management collaborative of Alabama keep reporting a collection of XXXX to credit bureaus in the name of XXXX XXXX my name is XXXX XXXX XXXX and I've never rented apartment ..The apartment don't belong to me.. I been trying for 2 yrs to resolve this issue..im not sure who rented apartment using my information but it wasn't me.cant file theft of property.im not sure..i have a idea but I don't want to say because I could be wrong ...
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

I, XXXX XXXX XXXX, have not had an updated Experian credit score/file since XX/XX/2018. I have asked for updates with the company directly and no one contacts me back as they say they will. I am trying to buy a house and my credit score is the same as it was 2 years ago when I have been working diligently on my credit. I have not been able to keep up with debts and they have now grown as I found out today.
Consumer complaint received 2020-10-07
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (TX)

This is a complaint against American Advisor Group ( AAG ). I filed a complaint with XXXX XXXX XXXX as I filed complaints with CFPB. AAG is a reverse mortgage company who isn't skilled with HUD Loan Requirements. I am not upset that I didn't meet HUD Loan Requirements. I am upset that AAG lied about returning the appraisal fee. See attached email chain, dates XX/XX/2020 guaranteeing refund and then 44 days laterXXXX declining refund. 
I am upset I have a needless inquiry on my credit report. Furthermore, they can check their Quality Control tapes and see that AAG stated they were pulling credit when the truth is they hire another company, XXXX XXXX, to pull credit who I did not authorize! And this is a violation of the FCRA Code section 604. 
So, AAG could have refunded the {$120.00} as they promised in attached email and removed the wrongful inquiry on my credit report and this would have been resolved long ago. Ridiculous! 
Attached is the complaint with XXXX XXXX XXXX together with other attachments.
Consumer complaint received 2020-10-14
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)

When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull Equifax and XXXX, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact XXXX ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with XXXX.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with XXXX  and Equifax was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a )  that's not correct and ( b ) law permits me to get it weekly.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Consumer complaint received 2020-10-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I called into the company to get a rate quote. They gave me a rate quote that seemed like the pricing was quite a bit higher than normal. I told them I wasn't liking the fees, but send me a loan estimate so I can see what everything was involved. That was Friday XX/XX/XXXX. It is Monday and I was given an option to use a text number for the agent to communicate. Now all of a sudden they say I wasn't eligible for a mortgage so they will NOT send out a loan estimate. Before I said i didn't want to pay all of those fees they said everything was ok, but the fees were high. Now that I said I don't want to pay the fees, they say I was ineligible and will not produce a Loan Estimate. The loan officer will not give me a supervisor 's number and when I called the 800 number, I couldn't get a hold of any supervisor. This is frustrating and should be illegal to run credit and not provide a loan estimate because they didn't like the terms. Tomorrow is the third day legally they would need to supply the loan estimate, but from the non-response of the loan officer, I do not think I am getting one.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

As notified before, I am a victim of identity theft, and again I am attaching my Identification and a copy of my Social security card along with my FTC report