davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read that under the FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

HI I HAVE A MORGAGE WITH MR.COOPER, MAY LOAN IS  CONVENTIONAL WITH INTEREST RASTE OF 7.875 %, MY MONTLY PAYMENT IS XXXX AND MY MATURITY DATE IS XX/XX/2022, I ASK FOR A PAYOFF QUOTE AND THEY GAVE ME XXXX BUT IF YOU DO A CALCULATION OF 53 MONTHS THAT I HAVE TO FINISH PAY, TIMES MY MONTLY PAYMENT THATS FIXED OF XXXX, YOU HAVE XXXX. 
I CALLED THEM TO KNOW HOW THEY CAME OUT WITH THIS AMOUNT AND THEY SAY THAT IS A TERMINATION FEE AND I HAVE TO PAY THE XXXX IF I WANT TO PAY OFF MY MORGAGE, AFTER I PAY THE AMOUNT THEY ASKING, THEY GOING TO REIMBURSE ME THE REST.
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: E Mortgage Capital, Inc. (CA)

I applied for a mortgage on a rental property that I own outright after being contacted by one of E Mortgage Capital 's loan officers, XXXX XXXX on XX/XX/. We went back and forth on terms for a couple of days and after arriving at numbers I was comfortable with, we proceeded with the process. I submitted all my documentation to support the loan and completed everything by XX/XX/. XXXX XXXX sent me the final forms with the new disclosure on XXXX XXXX XXXX and there were new charges added ( most egregiously was a new {$990.00} " Underwriting '' fee ) that increased the closing costs around {$1300.00}. I reached out to XXXX about the increase on the XXXX and received no response. I followed up a week later with : " XXXX : Hey XXXX. I don't know if you got my last but wanted to check in and see where we're at. 

XXXX : I apologize. I thought you were not moving forward due to the closing costs. Are you still interested in moving forward? 

XXXX : I assumed the additional underwriting charge was in error and we could correct that. The original disclosure did not contain that charge. '' Nothing more from XXXX XXXX after that. 

It's pretty clear to me that this company or XXXX XXXX was trying to pull a bait and switch and commit UDAAP violations by getting me to go through the process under one set of terms and then jacking up the price with additional fees after I had done all of the work to support the loan and was at the end of the process.

I have never made a complaint before but I felt this warranted one so that future customers are not subjected to the same tactics, or worse, miss that the company is increasing their fees when they get to the final stage and pay more than they agreed to.
Consumer complaint received 2022-12-04
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. (MI)

In accordance with the Fair Credit Reporting act, the following XXXX companies : 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 XXXX XXXX. # XXXX Amount : {$670.00} has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2017-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (IL)

I am in desperate need of assistance I have being working with Wells Fargo. However they are refusing to settle with me, I was advised by Agent XXXX on XX/XX/XXXX from the recovery department if I find any mistake from Well Fargo they will settle with me. Therefore I submitted a letter requesting a settlement because in the Transaction statement history I was not given to proper credit towards my principle. To make matters worse in XX/XX/XXXX I made a payment to Wells Fargo for the amount of {$370.00} I was not given any credit to my principle this is clearly showing Wells Fargo was taking a bigger amount towards the interest only. I have a fix interest rate of 8.175 % and the monthly payments were for the amount of {$370.00}. The breakdown of the payments should of been how it shows in my mortgage statement which is Principal {$65.00} and Interest {$300.00}. brings a total of {$370.00}. However Wells Fargo did not give me credit for that payment and all the other payments were never broken down properly, Like I have mention I was advice trough a recorded call when I spoke with Agent XXXX if I find any mistakes they will settle with me. I do not have any additional funds to offer Wells Fargo. I was paying Wells Fargo for almost 6 years and with in those years after adding all for my history. Wells Fargo credit me {$2800.00} towards my principle and {$24000.00} towards interest. I am more than sure that Wells Fargo is practicing fraudulent and deceptive practices in order to prolong my loan. Please request a explanation from Wells Fargo. Thank you.
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-04-21
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Open Date XXXX XXXX XXXX XXXXXXXX {$1200.00}
Consumer complaint received 2023-09-14
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. (GA)

Credit Reporting Agencies such as XXXX, XXXX, and Experian, along with the Financial Institutions XXXX XXXX XXXX and XXXX XXXX have violated my right to privacy and right via the FCRA. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. The identified transactions are not information related to any transaction by me as the consumer. This information being reported has caused harm to me and my family.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint against U.S. Bank National Association regarding the unjustified hold placed on my checking accounts, linked to VISA debit cards ending in XXXX and XXXX, under account numbers XXXX and XXXX, respectively. 

On XX/XX/2023, at XXXXXXXX XXXX XXXX XXXX XXXX, I attempted to make an online purchase using my XXXX  debit card ending in XXXX, only to find that the transaction was declined multiple times. Subsequently, I attempted to use my alternative debit card ending in XXXX, only to encounter the same issue. Alarmed by this situation, I promptly contacted U.S. Bank 's Cardmember service team for clarification. The banker informed me that the hold was initiated on XX/XX/2023, without providing any substantive explanation or documenting any actions on my part that may have warranted such action. 

As these funds are crucial for my day-to-day living expenses, the lack of transparency and immediate access to my accounts is a matter of utmost concern. I am left without a logical explanation for the hold, and the urgency of this situation requires an immediate resolution to avoid disruption to my daily life.
Consumer complaint received 2023-12-14
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. (IL)

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX , to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately.Furthermore, I request that you cease all collection activities related to this accountuntil you have provided the required validation. Any failure to comply with thisrequest within the stipulated timeframe may result in legal action, including but notlimited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I amaware of my rights under the FDCPA and FCRA and will not hesitate to pursue legalrecourse if necessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account. I have been avictim of identity theft fraud. I have no idea of any of these accounts. I have neveropened any of these accounts. Please review this and remove this as soon aspossible.
Consumer complaint received 2023-01-09
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-25
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. (AZ)

The FCRA clearly stipulates that credit bureaus must take reasonable measures to ensure the accuracy of the information they report. This includes the responsibility to investigate and verify the legitimacy of accounts when a consumer disputes their accuracy. To my astonishment, I have submitted multiple disputes to the credit bureaus regarding the accounts in question, providing all relevant evidence and documentation to support my claims. However, instead of conducting a thorough investigation and validation process, the credit bureaus have consistently responded by merely verifying the information with the original creditors without proper validation procedures. 

This failure to validate the disputed accounts has resulted in serious consequences for me, including a significant drop in my XXXX XXXX and the denial of credit applications. I firmly believe that the inaccuracies on my credit report are unjustly tarnishing my creditworthiness and causing undue financial hardship 1st Notice Presentment by Certified Mail : Presentment by Affidavit of Status for Consumer Private Right of Action ; Notice and Preemption Claim. Sent XX/XX/2023 2nd Notice Presentment by Certified Mail : Notice to Cure. Sent XX/XX/2023 3rd Notice Presentment by Certified Mail : Notice of Default Judgement and Commercial Dishonor. Sent XX/XX/2023 2023
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Apex Resolution Group LLC (AZ)

I have been receiving robocalls from this company Apex Solutions. On Monday, XX/XX/2017, I received a voice mail from this company. It was a man 's voice and he stated ( I believe this was the middle of the conversation ), " full restitution. This will lead to your last known employer being contacted and will affect any current deposit accounts you may be using. '' The man then left a phone number and repeated it twice. I called the number on Wednesday, XX/XX/2017 and spoke to a lady that did not give me her name. I asked about the threatening voice mail and she said it is a prerecorded message. I asked her do they use this to call all people who have a debt? I told her it was a threatening voice mail and she hung up on me. The call back number is XXXX. They are collecting a debt for XXXX. I believe this debt may have been discharged in bankruptcy court. I have saved the voice mail and can email or text it. This company calls 2 or more times a day.
Consumer complaint received 2017-04-05
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC (GA)

On multiple different occasions, Round Point Mortgage has been unable to handle my escrow account accordingly. First, once they obtained the loan, I was charged the same amount of money for city taxes as I was for my county taxes causing an additional $ XXXX yearly addition. After providing documentation multiple times over a matter of three months, it was finally rectified. During those three months, all of my emails and secured messages went unanswered. It took upward of ten calls to finally have someone look at it and give me a guarantee that it would be adjusted. Now, I have submitted new tax documentation from the county and the Veteran 's Affair 's Office showing that I am a XXXX veteran. My initial contact was at the end of XX/XX/XXXX and did not receive a response for ten days. Following that, I responded with the same said documents via email. I never heard anything back which prompted me to call them mid-XX/XX/XXXX. After speaking to a representative, he assured me my escrow analysis was be performed by XX/XX/2017. In addition to that, he made sure all of my documents were in order. XX/XX/XXXX comes and goes and there was still no update to my escrow payment nor an escrow analysis performed. I called in again since they never responded to my emails nor my secure messages through their website. I was told the documents I sent in were a blank check and a homestead exemption form. I sent neither of those documents in. Plus, the blank check was for a bank that I am not a member of. I, again, emailed the same documents to the email address provided. There has not been any sort of contact attempts to me to let me know that I either sent in right or wrong documents. My escrow account still has not had an analysis performed, but I was told it would be taken care of by XX/XX/2017.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

I just recently became aware that a company called LVNV funding is reporting a collection account on my credit report as of XX/XX/2023, They are saying it is LVNV FUNDING LLC Last reported XX/XX/2023 {$2800.00} Open balance XXXX XXXX XXXX. 

This is the result of past ID THEFT. I do not owe this debt, nor was I ever even contacted about this via mail or any other means!! I have reached out to dispute this debt but did not get a good vibe that my claim of ID THEFT was taken seriously. I have in the past had quite a bit of fraudulent accounts opened using my personal info. My info keeps getting leaked on the Dark Web per my credit monitoring services. Alerts. i am attaching supporting documents in regards to this FRAUD ACCOUNT! I am a XXXX XXXX  who honorably served and am now still fighting only a different battle this time
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

On XX/XX/2022, I went into TitleMax to get a title loan as I was need of cash. When I went in there were 2 other people getting loans. There was only 1 person working. The person was trying to help all 3 of us at once so we really didnt get individual attention. When it was my turn the representative just said sign here and here. Two signatures in total. He said everything was electronic and skipped all the information regarding the loan I didnt get any information regarding the loan. Days later I decide to take out the remainder of the loan that was offered on to look into the loan and the interest is exorbitant. I tried to repay it but the company blocked my ability to do so in the 48 cancellation window. There is no way I could afford this loan but I dont have the money to pay back the loan. As I used the funds for rent and back bills. I should been given disclosures and interest rate sheet. Instead the agent in a haste skipped over everything to get me out. I filed a complaint with the Consumer Financial Protect Bureau, they instructed me to reach out to the director of operation which told me to reach out to legal. I reached out legal and have not received a response. I cant afford this and the company is making me go in circles. The company keeps closing the complaints but fails to have a discussion. You breathed the contract when you blocked me from making a payment for 48 hours during the 48 hours cancellation period. You said that if I reach out to district manager we could work something out and when I contacted the office they referred to legal. Legal failed to reply.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My loans were consolidated in XX/XX/XXXX ( some loans paid in full at that point ) and the remaining loans forgiven XX/XX/XXXX so my current XXXX  loan balance is XXXX. Mohela, my loan servicer, still has the XXXX loans that were paid in full in XXXX, on their account/dashboard and are requesting payment although my loans have been forgiven through the XXXX program earlier this year. I have tried for 2 months through Mohela ( written and phone complaints ) and XXXX  complaint ( closed no help ) and they are still on the account, balance of {$240000.00}. XXXX  has my loans balance at XXXX for all loans. Please help. ( I attached a copy of the XXXX zero and paid accounts for my student loans as attachment ).