davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc. (CA)

My name is XXXX XXXX. Terms I originally agreed to and locked in were altered in my loan agreement without properly disclosing to me that changes were made from my original agreement to the terms of the loan structure. Below is a screenshot of an email that XXXX XXXX my mortgage broker sent to of what I originally agreed to as I was able to lock in order to proceed. ( please note in the section " Debts paid off '' it is XXXX ) Unfortunately, someone without my consent unilaterally altered that section with payments to be made to several of my prior creditors. That was never my intention as I made it clear to XXXX what my plan was to open this Heloc to have as a line of credit to be available to me that's all.

I was not informed ahead of time that the docs were altered to include amounts for checks to be made and that it had this language and they did not point this out ( as it was different than what I had communicated with my broker and originally locked in to have XXXX debts paid off ) So there was some deception to the the way this loan was drawn out. Please note that the email attached was sent to me by my Better Mortgage XXXX XXXX XXXX. Also please note that in the line that says " debts paid off - {$0.00} '' And this is what I agreed to and locked in.

Also, the section 2 Financial Information ( Assets and Liabilities ) 2c in the
doc " kwon-initial1003 ... ''. Liabilities has a small section in small print with x 's that I didn't agree to nor was given a discussion or choice as to which of those were to be paid off. Someone unilaterally checked those sections off and wasn't disclosed to me nor brought to my attention. This was deceptive as I didn't even initial those areas. I have my rights and know that this is a requirement of acknowledgement vs a signature at the end of all the documents confirming the loan. Also, when the notary that was sent by the provider came to have us sign the docs in person, she only showed us the pages for signatures and never explained to us what those signatures were for. The Loan processor XXXX XXXX originally told me in one of her emails I was not going to be able to get this resolved since I signed everything upon closing. Then she sent another email informing me that they are sending it to their legal department to find a resolution. Up to this point I have heard nothing else. ( XXXX ) And now my loan payment is due on XX/XX/XXXX as I received an email from the new loan servicer and I have done nothing with the money they wired and checks that they sent.
Consumer complaint received 2024-07-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WV)

Upon purchasing a new car I noticed a collections account on my credit report. Further investigation led to XXXX communications not receiving rented hardware back after canceling account. This resulted in {$250.00} collection being placed on my XXXX credit report dropping my XXXX XXXX drastically. On XXXX I contacted XXXX communications through XXXX to resolve the issue and let them know I was never made aware or received any way to return equipment. They immediately issued a return label to return equipment and explained that the account would be made whole and would be removed from credit reporting upon receipt of equipment. XXXX received the equipment on XXXX and following removed the charge on the account. I have disputed XXXX separate times on XXXX with Credit Collection Services and provided the chat history with XXXX and they refuse to remove the collection. XXXX account shows that nothing is due and equipment has been returned. But somehow Credit collection Services updated my credit report with a lower amount due now from {$250.00} to {$140.00}. No payment has been made and it should be removed completely as XXXX agreed too once they received equipment back. I have never received any communications at all from credit collection services.
Consumer complaint received 2024-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

My loans for XXXX XXXX should be fully discharged. My Borrowers Defense Application for XXXX XXXX is still showing as pending on the Federal Student Aid website since XX/XX/XXXX, when it should say that it's XXXX. XXXX XXXX loans were being fully group XXXX as XXXX of year XXXX. Why hasn't my XXXX XXXX loans been fully XXXX with it now being XXXX of year XXXX? Why hasn't Mohela been notified by the XXXX XXXX XXXX XXXX to fully discharge my loans?
Consumer complaint received 2024-05-17
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is sending everyone forged fabricated documents. This office has to look at the original documents from county recorders office and match it with what wells Fargo is sending all entities I am placing the complaint with. Wells Fargo had forged all of these papers and I am shocked your office is not comparing what Wells Fargo is sending them with the original documents thats recorded at the county recorders office in XXXX. Wells Fargo had forged a loan number in XXXX and with that they stole my home. If you are not looking at this feud by Wells Fargo and compare what Wells Fargo is sending you with the original documents at the county recorded office Ill hold you accountable for the theft of my home of a forged account and documents that Wells Fargo generated to steal my life liberty and damaged me for life. I hold your office accountable and this means you are getting paid by Wells Fargo to ignore my rights in their criminal acts to steal. I demand in to your office looking at the original documents by WORLD SAVINGS BANK RECORDED IN XXXX on my home located at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
Wells Fargo had sent you forged fabricated documents and youve accepted it. That is absolutely unacceptable and a crime by your office. I need you to elevate this matter to the highest officer in you office to look at or Ill be forced in to contact military in to do some arrests in your office for attempting to help Wells Fargo with their crime against me and my family.
Consumer complaint received 2024-08-20
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Goal Structured Solutions, LLC (FL)

On XX/XX/year> I enrolled in the A+ Certification program at XXXX. Thereafter, I was unable to access their Online Program. Despite calling their Support line, I was unable to access their program. On XX/XX/year> I emailed my Instructor XXXX XXXX XXXX that I would like to Cancel Out of the Program. I was told by XXXX XXXX XXXX to contact the Financiers of my Loan. Launch Servicing.

Upon contacting Launch Servicing I was told that I could not Cancel as the 8 Days deadline for Cancellation had already passed. A quick note, On several occasions upon contacting XXXX Customer Service, I have been hung up on.

I have contacted Launch Servicing in writing of my intention to Cancel Out Of the Program. I have contacted XXXX and Launch Servicing after exchanging several emails.

WHAT I WOULD LIKE TO HAPPEN ; At this time I would like that Launch Servicing stop harassing me to collect on the Tuition. I have stopped using the XXXX services/portal. I would like to formally complaint that Launch Servicing Cancel me out of the program and stop Collection Notices. I am a Senior Citizen on Social Security.
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (NJ)

XXXX XXXX XXXX XXXXXXXX as Legal Trustee for XXXX XXXX XXXX XXXX has started a foreclosure complaint as Plaintiff. They are Not the creditor and we are disputing the validity of any alleged debt, the creditor as Plaitiff and requesting the name and address of the original creditor from the debt collection law firm XXXX XXXX XXXX as required under the FDCPS U.S.C 15 Section 1601.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX
Consumer complaint received 2024-08-08
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. (TN)

on XXXX when I received my report all 3 credit reporting agencies were not showing my home mortgage that I have had since XXXX and showed a collection from XXXX XXXXXXXX XXXX XXXX XXXX, I disputed that item with all 3 agencies ( Experian, XXXX, and XXXX ), XXXX corrected and removed the collection and started to report my mortgage as a new loan that started on XX/XX/XXXX and the other 2 agencies ( XXXX and Experian ) continued reporting the collection as they were reporting before and started to report my mortgage as of XX/XX/XXXX, I filed an complaint with CFPB last year and after a few months effort it did not get resoled and they still reporting a collection that do not have no signature of mine or a correct date of birth or address.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

Dear CFPB, I am writing to formally lodge a complaint against Freedom Mortgage regarding a serious issue with the creation of an escrow account without my knowledge, which has led to the improper distribution of tax dollars and an unjust doubling of my mortgage payments. 

Background : I recently discovered that Freedom Mortgage incorrectly established an escrow account for my property taxes in XXXX XXXX. Despite my property taxes being fully paid and not overdue, Freedom Mortgage has disbursed tax dollars from this account for taxes I did not owe. This mistake has had significant financial repercussions for me. 

Specific Issues : Incorrect Escrow Account Setup : Freedom Mortgage initiated an escrow account without verifying the accuracy of the tax information. As a result, they have erroneously collected and distributed funds for taxes that were not owed on my property. 

Increased Mortgage Payments : Due to the incorrect setup of the escrow account, my mortgage payments have been unfairly doubled. This increase is directly related to the mismanagement of the escrow account and the improper disbursement of funds. 

Actions Taken : I have attempted to resolve this issue directly with Freedom Mortgage, but their responses have been inadequate. They have not provided a satisfactory resolution or corrected the errors in their records, despite my numerous attempts to rectify the situation. 

Request for CFPB Assistance : I kindly request that the CFPB investigate this matter and take appropriate action to ensure that : The incorrect escrow account setup is corrected. 
The erroneous payments made from the escrow account are reimbursed to me. 
My mortgage payments are adjusted to reflect the correct amount, eliminating any undue increase caused by this error. 
I am including copies of all relevant documents, including correspondence with Freedom Mortgage, statements showing the incorrect escrow setup, and evidence of the undue increase in my mortgage payments. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail. 

Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated. 

Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!? 
Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another. 
Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense. 

I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account.
Consumer complaint received 2024-09-30
Product: Credit 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. (TX)

I ordered a dress from XXXX XXXX, XXXX XXXX  for {$610.00}. The dress was delivered at XXXX XXXX  on XX/XX/year>. I opened the box, discovered that the dress has dar red stains on the neck, contacted customer service at XXXX XXXX  the same day, took pictures of the stains, and returned the dress following their instructions. They did not respond or issue a refund, so I filed a dispute with Citibank credit card dispute dept. I received a message from XXXX on XX/XX/XXXX about a shipment from XXXX -- they returned the dress 3 months later because " it was unusable ''. I still have the dress and I can submit photos -- it looks the same : XXXX XXXX  on the back, the way I received it. They note their return policy that the items have to be " unused '' in order to be returned and list the same pictures as the reason for not accepting the return. 
I submitted all the documentation to citi : communication with XXXX, XXXX delivery time, and photos. I ask CFPB to review this case because I have timely and thorough documentation of receipt and return of the item. Most purchases have at least a 7 day return policy while I reached out to the merchant within XXXX minutes with the issue. How can I prove to them that I did not stain the dress?
Consumer complaint received 2024-06-20
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: EQUIFAX, INC. (AZ)

In response to your recent evaluation, I need to continue addressing issues with my personal credit report that require immediate attention. I am frustrated with the ongoing errors on my credit report, which raise concerns about the accuracy and completeness of the information. My goal is to find the correct remedy for my credit report and dispute the remaining account to rectify the following : XXXX XXXX  XXXX XXXX Balance Owed : {$540.00}. Please provide the names and addresses of the individuals contacted for each item found in the FCRA. If you can not supply this information to my satisfaction, update the account and assist in resolving the current issue.
Consumer complaint received 2024-06-04
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. (GA)

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining items need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following items here : XXXX XXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (MD)

these inquiries are unauthorized and theyre not related to any transaction by me. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A. (FL)

Pollack & Rosen , P.A . 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Subject : Debt dispute and request for verification of collector 's license Dear Sir or Madam, I am writing in response to the correspondence I received, dated XX/XX/XXXX, indicating that you are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX, with reference number XXXX. According to the letter, the debt allegedly originates from a XXXX XXXX  account linked to a XXXXXXXX XXXX XXXX credit card, with an outstanding balance of {$2500.00}. 
After reviewing this information, I have serious concerns regarding the validity of this claim and am therefore disputing the debt for the following reasons : Lack of Collection License in Florida : According to my research, XXXX XXXX XXXX XXXX XXXX are not properly licensed to operate as debt collection agencies in the state of Florida, in compliance with state debt collection laws. Under Chapter XXXX of the Florida Consumer Collection Practices Act ( FCCPA ), any collection agency must be registered and authorized to operate in this state. I request evidence proving that both your company and XXXX XXXX XXXX XXXX XXXX are licensed to collect debts in Florida. 
Proof of Debt Ownership : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of this debt, including verification that the debt is indeed mine and that the amount owed is accurate. I demand that you provide detailed documentation to validate the legitimacy of this debt, as well as records supporting the transfer of the debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Relevant Case Law : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ruled that debt collection agencies must strictly adhere to both state and federal laws, including those related to obtaining state licenses. Given that I have not found evidence that XXXX XXXX XXXX XXXX XXXX holds a valid license in Florida, your attempt to collect this debt XXXX constitute a violation of both the FCCPA and the FDCPA. 
I am attaching evidence obtained from the official XXXX website, where the legitimacy and current status of the involved entities ' licenses can be verified. This resource is used to ensure that both the lender and other parties comply with regulatory requirements established by law, thus ensuring transparency and security in all financial transactions. Additionally, I refer to the Florida Consumer Collection Practices Act ( XXXX ), Chapter XXXX of the Florida Statutes, which regulates the activities of debt XXXX and protects consumers from unfair collection practices, requiring all communications with the consumer to be conducted honestly and without harassment.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}