davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (LA)

BLUF : My escrow payments are roughly {$700.00} more monthly than they should be because Freedom Mortgage has failed to complete an escrow analysis for three months, even though they have all the necessary documentation. 

I bought my house using XXXX XXXXXXXX XXXX in XX/XX/2023. I got a notice that Freedom Mortgage took over my mortgage in XX/XX/2023. I received my updated Property tax information in XX/XX/2023, and I hired a wind mitigation survey to be completed, allowing me to lower premiums on my insurance through XXXX. 

I submitted my property tax documents and insurance coverage on or around XX/XX/2023. I was told this would be reviewed, and my monthly payment would drop significantly. I would see this reflected on next month 's bill. I received the following month 's bill with no update to it. I called the number listed on my mortgage bill, and they said they confirmed they received the information and would complete an escrow analysis. I received the next month 's bill, and nothing has changed. I called again, and they said they didn't see an escrow analysis completed yet, but they'd put it in for one. 

Today, XX/XX/2023, I called the mortgage line and asked about my bill. ID # XXXX ( XXXX ) confirmed that escrow research was done on XX/XX/XXXX, verifying that my property tax records are accurate. XXXX told me that she must now submit this for an escrow analysis.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I called the creditor direct since I saw incorrect information on my status. My account is up to date as I was informed twice by them. They refuse to update my account. I have been disputing this account for going on XXXX months. I have sent them letters as well.
Consumer complaint received 2023-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MI)

Your selection of options that I choose is not because I cant Pay, We can Pay, its the many years of fraud, lost data, transfers and unable to get Any Arm of Support to tell the truth Many years ago my loan was transferred from XXXX  XXXX XXXX and loan, I had a floating interest rate but didnt even know that I had a floating interest rate in the financial madness of the early XXXX. I like everybody got sucked into this thing and never had a mortgage that said it was changing to a variable loan. 

My wife got XXXX in XXXX as we were struggling to get back on our feet, filed bankruptcy when XXXX XXXX sued, filed a XXXX XXXX and spent XXXX of thousands to fight losing our home to laws that have since Changed. Loan sold to XXXX, XXXX loan serving, and recently Rushmore Servicing. Rushmore never sent end of year escrow balances, nor when sold to Me. XXXX. The new company Rushmore Serving said they need 4 more payments and then the got Hacked. I am meeting with an FBI agent. I will file with XXXX XXXX asap. I will hire an attorney and I started with a XXXX loan and a XXXX HELOC in XXXX. I still owe over XXXX XXXX  years later.
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I filed a XXXX  XXXX bankruptcy because the servicer refused to provide a payment plan for arreages during covid. During covid bank told me to pay what I can ( all recorded ). Now they say I need to subpoena that information. Im making my mortgage payments every month but they are applying everything towards the bankruptcy amount. The trustee has not made a payment since XX/XX/2023 ( 1st payment ). Ive also asked for a transfer of servicing audit. Please help. Thank you.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Eastern time I called Experian to get a status updated. Ive sent out multiple dispute letters and complaints to have the eviction removed from my report dating back to XX/XX/XXXX. I havent received any update. When I called today the representative informed me that shes unable to give an update, remove any incorrect information, give me any information on the creditor to directly reach out to resolve the matter. The representatives name XXXX was rude and not helpful. I asked for a supervisor and was denied multiple times.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

I have an account with XXXX  XXXX XXXX for my school funds to be distributed to and XXXX XXXX was a car insurance company I had for only 2 months. I removed my account information from XXXX 's website so that they were not able to auto draft money from there, I would have to call and pay over the phone to pay. So I called and paid over the phone on XX/XX/XXXX and was charged {$91.00} along with the surcharge of {$3.00} for paying over the phone. That was the only charge I authorized but later that day I was charged again on XX/XX/XXXX {$93.00}, then 2 days later on XX/XX/XXXX another charge of {$100.00}. I called and asked XXXX XXXX what was going on and they denied any charges. I looked on the website and checked for any supporting documents about the charges and there was none because they were fraudulent. So, submitted a document to cancel my policy and then was returned the money from my bank. Then a month later after this, XXXX submitted a false document, only XXXX document, and said that I still had insurance which was a lie. I have attempted to resubmit this claim and speak with a supervisor at XXXX  XXXX and they are saying that they did an investigation and came to the conclusion that I authorized that transaction!! WHICH I DID NOT AUTHORIZE! And I proved that I did not! I recorded the phone call with the " supervisor '' who stated that I authorized a transaction that I did not. They should not have had my card information at all, I provided an abundance of information that shows that they stole that money and there is no proof of those transactions on XXXX XXXX website. I need to get help handling this with XXXX  XXXX to get my money back that they gave back to XXXX XXXX who fraudulently stole it. XXXX XXXX has no documents at all that show I authorized a charge for that amount.. If someone would zoom call me I can screen share and show all the information I have, it would be easier that way. I have a ton of documents. Also, I am unsure of the lingo on my bank but I am almost 100 % sure that XXXX of the transactions that Aspire ran, both the one over the phone and one other one, that they signed with my signature and that would be impossible because I was not in XXXX XXXX at any point or anywhere to sign for a transaction. I have submitted claims with the California Insurance Commission at this point and am waiting for them to get back to me. I just submitted a claim with the National Insurance Crime Bureau recently as well in order to handle the situation with the Aspire General Insurance company but for XXXX  XXXX XXXX this is the route I need to take obviously to get them to return my money to me.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

I applied for the SAVE program on XX/XX/XXXX. 
On XX/XX/XXXX, I was told that I needed to provide proof of income even though I had already granted permission to use my tax returns. On XX/XX/XXXX, I was given notice that my payments would not change, even though my income qualifies me for a {$0.00} payment. Please note that my wife, using the same financial info, was accepted into the SAVE repayment plan before the end of XXXX. 
It is now XX/XX/XXXX, and my application is still pending. I have spoken to multiple customer service representatives. They each give me different timelines for approval ( 1 to 2 weeks, 60 business days... each representative gives different answers ). 
I am actively trying to provide documentation to a mortgage company to obtain a mortgage. This wait time and lack of answers could put my mortgage qualification in jeopardy. 
Additionally, I have requested documentation on one of my two loans several times. Each time I'm promised to receive the document in " a few hours ''. Days go by without the document being emailed to me. 
This loan servicer is causing great financial harm to me and my family.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (AR)

XX/XX/2023 - Received a text from my Father-in-law that the following number : XXXX called in reference to a " personal matter '' around XXXX pertaining to myself, XXXX XXXX. When my father-in-law asked how Williams & Fudge got his number the caller explained that " [ I ] had put his number down as a reference/contact number '' to which I can confirm that I have never used him, or his number, in any reference capacity. 

Shortly after receiving this text from my Father-in-law, I called the number in question at XXXX XXXX to which a representative from Williams & Fudge answered the call by stating " Is this XXXX XXXX '' to which XXXX explained yes. The caller informed me after this that she was calling in reference to a debt with the XXXX XXXX XXXX  XXXX XXXX and asked how I would like to take care of the balance. I immediately asked for a verification of the debt to which she immediately started asking questions for me to confirm my employer, to confirm the name of my wife and questions about why my email was a different name than " XXXX ''. I verified all information aside from the question in regard to my employer to which she explained, " That is okay I will find out. '' I feel that the caller is using deceptive tactics to collect the debt by giving falsified information regarding the circumstances in which she got my Father-in-law 's number, and by continuing to ask questions not related to the debt after I asked for a letter of verification.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$290.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-21
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. (DE)

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Experian is refusing to remove & block these accounts is related to fraud over seven years ago. These accounts should be removed by Federal Laws from the date these accounts were open. Experian is making their own policy 's and saying these accounts are to remain from there last date of payments. That is incorrect by Federal Law States. Experian is in volitions of Federal Laws. Experian was sued once before for violating Federal Laws.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In Acordance with the Fair credit reporting ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy. 
.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Consumer complaint received 2023-11-13
Product: Credit reporting 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. (IL)

I wrote to CFPB when experian was reporting nothing at all once cfpb contacted experian they started reporting about 15 accounts they had been blocking but they are still blocking my score, I have a right to have my numerical summaries of my credit creditworthiness that are called a scores and are used all over this country because experian will not show a score unless I pay them to build my credit from my rent and utilities and start from XXXX again this is Blackmailing me to do business with them and totally illegal in these United States I am XXXX years old and have 28 years of credit history for over XXXX dollars and all has been payed perfect 100 % on time each and every month no way experian new sales pitch is a better summary of my credit to even think about comparing my rent and utilities, I will be filling lawsuits about this matter, I can't buy a home unless I have 3 scores in the United States!