davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

My wife and I suffered significant damage to our home During Hurricane Irma in XXXX. Like many others, collecting from our insurance company was a struggle and we ultimately had to pursue litigation against XXXX XXXX to obtain a fair and equitable agreement. We finally settled our claim almost 2 years later. Once we received our settlement check, it was written out to both our Mortgage Company, Roundpoint mortgage Servicing, and ourselves. I got online, opened an insurance claim notice and submitted the endorsed check along with all our receipts to Roundpoint on XX/XX/XXXX. We completed our work and repairs on our home more than a year ago and well before the insurance settlement occurred, paying all our expenses out of pocket and doing most of the repair work ourselves. When I submitted the documentation, I informed them of that and requested an Inspection so the full amount could be released to us as soon as possible. 
It is now nearly 2 months later ... I have received only 2 phone calls and 1 written communication from Roundpoint with a check for slightly more than 10 % of our total insurance settlement and equal to the amount in materials I submitted as part of my paperwork. During both phone calls I placed to Roundpoint, I asked that they please schedule an inspection to release the full amount. I also asked that they release XXXX of the overall settlement up front as it states in their insurance claim processing documents. Both requests have gone ignored. 
It has now been almost a month since I last spoke to them or received any correspondence and I feel that the bank is attempting to hold my funds for their own benefit ( and without interest! ). 
Please help us. We need our funds. The work was completed years ago. We are nearly 3 years since Hurricane Irma and have yet to be made whole. When will this nightmare end?
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (VA)

I have tried to contact Contract Callers directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. Contract Callers are absolutely horrible. They don't even attempt to follow proper validation measures.
Consumer complaint received 2021-06-18
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. (PA)

I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2020-03-21
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: FACTUAL DATA CORP. (FL)

Dear Sir or Madam : I am a victim of identity theft due to an XXXX  credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and 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 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

My grace period of 15 days by Maryland law in my mortgage account has not been protected. Misc. Corporate disbursements and Corporate advance adjustments on my customer account activity statement in which I don't know what they are, how they is getting in my mortgage account and where they leads to. And the money orders for I sent them to XXXX. XXXX XXXX with payment coupon for that month would show on the right mortgage statement in the right time period. I am filing a complaint against Rushmore because Rushmore release a XX/XX/XXXX mortgage statement without my money during my 15 days grace period but the money was there. And I believe Rushmore will do it again because the Rushmore representative, XXXX XXXX write this in XX/XX/XXXX letter to me " Furthermore the last day of your XX/XX/XXXX grace period was XX/XX/XXXX. She writes '' However no late fee was assessed to you account even though the grace period has expired on XX/XX/XXXX, XXXX " And she sends me the customer activity statements which shows Misc. Corporate Disbursement amounts and Corp. Advance Adjustment amounts in which I know nothing about but it is under my mortgage account No., my name and my address and these amounts started from XX/XX/XXXX to XX/XX/XXXX. Who is using my mortgage account beside me? And where is this place located? Why on the date of XX/XX/XXXX by Maryland Law of 15 days grace period didn't the money which Rushmore received on XX/XX/XXXX show on a mortgage statement before a delinquent letter of XX/XX/XXXX was produced by Rushmore? My position is this : Anytime I get a mortgage statement that does not show the money I paid in which I know I paid I will do a trace on it. And that is what we do. Is this Rushmore position? Anytime Rushmore does not receive my money by the 10 day of each month, Rushmore will pull my money from XXXX XXXX and put it in another P.O. Box? Why have Rushmore let somebody put their wants in my mortgage account instead of serving me by Maryland law under mortgages and my need to pay my bill in the current period on a mortgage statement? On line 19 on the deed it is stated : Governing Law. This Deed of trust shall be construed according to the law of the State of Maryland. And Maryland does have a Law for mortgages.
Consumer complaint received 2020-03-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

This involves an issue with information on my credit report that does not belong to me that I began disputing with TransUnion in XXXX, XXXX via USPS Certified Mail with electronic return receipts. 

Per the attached follow-up letter, verified as delivered to TransUnion in XXXX, XXXX, TransUnion has failed to provide any of the requested supporting documentation within the legally allowed 30 day period both in XXXX, XXXX and again via CFPB complaint # XXXX submitted in XXXX, XXXX.
Consumer complaint received 2021-06-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX I began the process of purchasing a commercial building for my business. I applied for and was approved by XXXX for a loan. In XXXX of XXXX Wells Fargo Bank, XXXX filed a deed of trust to secure a bridge loan using my residence to secure the transaction. 
Amount : {$160000.00} Dated : XX/XX/XXXX Trustee : XXXX XXXX XXXX, a Corporation Beneficiary : Wells Fargo Bank , National Association XXXX XXXX. : Not set out Recording Date : XX/XX/XXXX Recording No : XXXX, of Official Records In XXXX of XXXX we conclude the transaction and the DoT was then applied to the commercial building, but WFB did not reconvey the previous DoT on my home. My lender, XXXX XXXX XXXX have been trying to close a refi on my home. Since XX/XX/XXXX several efforts have been made to obtain the paid-in-full or reconveyance from WFB. 
Recently, XXXX  did more research and found a reconveyance for the cross collateralized loan off my commercial property- it shows that 2 deeds of trust were recorded for the same loan 1 on my primary residence and 1 on the commercial property. Wells Fargo only reconveyed the loan off the commercial property. Luckily there was a loan # on that reconveyance. XXXX  called Wells Fargo back as of XX/XX/XXXX and they have escalated the request for a paid in full letter and reconveyance. We have no further word. 
The lapse of time has resulted in two expired rate locks and a probable increase in the final interest rate and costs. 
Is there anything that can be done to have WFB release my property?
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from XXXX XXXX XXXX. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to XXXX. I called XXXX they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from Shell point. I received a Notice of default dated XXXX XXXX and no modification. I called XXXX and the said everything was sent to Shell point and they would honor the modification. I contacted Shell Point on 6 different occasions and they claim they have more knowledge of me being in a workout or trail modification. I informed them that I completed the trail days before they acquired the rights to service the loan. I left many messages and sent 2 letter. The only Ive received is a notice of default and I was told that have I made the 3 payment I would no longer be In default.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MA)

My mortgage payment was due on XX/XX/2016, to Ocwen Loan Servicing LLC. Ocwen has designated XXXX XXXX XXXX as a means to make payments directly from Ocwen 's website. XXXX or Ocwen charges a {$10.00} fee which Ocwen collects. On XX/XX/2016, I went to the Ocwen website, clicked the tab to make a payment, and XXXX XXXX XXXX popped up and I made the pay due. I was given an email confirmation of the amount paid, the {$10.00} fee charged and that it would be posted on that day XX/XX/2016. I have this email. Aparantly, the payment did not post that day, despite the email confirmation stating it would be posted the day of payment. Ocwen then reported me as 30 days late to all three major credit bureaus and refuses to take any corrective action. Perhaps Ocwen should not be telling customers that the payment posts the same day as payment is made through it's XXXX XXXX link. I believe this should be removed from my credit report, but Ocwen won't budge.
Consumer complaint received 2020-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Fair Financial Corp. (VA)

I was a XXXX XXXX XXXX XXXX, who rented a car from a partner of XXXX called Fair. 
I rented the car and paid a weekly sum of {$210.00}, until a unfortunate situation occured. 
Fair  broadcasted an email saying that they were ending business in Virginia  due to Insurance Premiums, and that our deposits would be applied towards our last payment. 
I used my saved payment to pay on other Bill 's, then Fair  re-broadcasted another email saying that the prior email was erroneous, and our deposit would be returned to status. 
I have been living in hotels since the day I began with Fair and XXXX. I'm also responsible for every other expense, and I found myself in a bind, and was behind. Before Fair took the vehicle back they did deduct a payment, and I emailed them saying that I'm having a minor cash issue. Nevertheless they still took the car. 
Now I'm without a means of income.And the company who repossessed my car wants {$75.00} just for me to get my stuff out. This company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX. 
I find this whole situation to be very unfair. XXXX errored in their email, which didnt really seem to be a well thought out decision, but it was enough to cause me a problem. Now much of my personal belongings are trapped in a car I cant afford to get into. It doesnt seem fair. If I had extra {$75.00} at that time, most likely this wouldn't of happened. 
XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a XXXX  and due to the corona virus I will no longer be working for months. I currently support my wife who has XXXX XXXX and I called to ask for a lower interest rate to help us through these challenging times. I called USAA to request that my interest be lowered to have a more affordable payment. The operator said we wont due that. I said what are you doing to help people? He rudely said, Im working thats it. Im going to work. I said can I talk to your supervisor? 
Im not asking for a handout. Im responsible with my credit and Im asking for a lower interest rate for a year which is how long this will take to recover. I will no longer be using my cards. 

I have 2 credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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. (DE)

Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and XXXX XXXX specifically refuses to reinvestigate or remove it.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX I am not a bank of america customer. I am as XXXX women looking for a home back in XX/XX/2019 I was on a website looking for home on a rental website. I got in contact by email by a Mr XXXX. Asking him about his home he has for rent I have never done this before and he convinced me that he would rent me his home he sent me rental agreement and everything looked legit. He said he would send me keys if I go to bank of america and deposite XXXX in to this account I did and never heard from him again I contacted police department filed a report and everything I contacted bank and they don't want to return my money.they said they couldn't get into account because it wasn't mine. I just want my money I need it for a place I been paying XXXX extra because of this monthly more a month. And it's almost been 10 months and still they don't want to refund my money
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously contacted Transunion regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Transunion adhere to the law and remove this information from my credit report immediately.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I HAVE 7 INQUIRES That where supposed to come off my acocunt with Experian One was from XXXX was supposed to be Removed in XX/XX/XXXX it was never removed. XXXX XXXX inq that was supposed to be removed in XX/XX/XXXX. XXXX XXXX Item was supposed to be removed int XX/XX/XXXX. XXXX XXXX  item was supposed to be removed XX/XX/XXXX, XXXX. and 2x XXXX  items where supposed to be removed in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

My husband and I are both XXXX XXXX and neither of us has any income at all due to the corona virus. We contacted our lender to ask for temporary forbearance, but they are telling us they will offer a 3 month forbearance and then the entire amount needs to be paid at the end of 3 months. How is this fair? If we end up being out of work for the full 3 months, are we supposed to perform a magic trick and instantly come up with the money in 3 months? Isn't it more fair to add the payments to the back end of the loan? That is what we are requesting.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NC)

During Tuesday, XX/XX/XXXX and Wednesday, XX/XX/2020, I attempted to call Chase/Amazon to ask for the two months furlough on my credit card due to being positive with Covid-19 and the financial hardship. I stayed on the telephone ( XXXX ) for 3 hours and no one picked up the phone. I then established an account and attempted to leave a secure portal message but it only allowed certain messages to go through. Then my password suddenly no longer worked. 
It seems that Chase/Amazon Prime will not allow the consumers to request this assistance during this trying time. Also, a neighbor got my mail by mistake and had opened it. I noticed that Chase had placed the entire account number on the Statement which is illegal in some states including North Carolina. In the " Account Summary '' the entire account number is on the statement. 
This is a violation that needs to be addressed immediately.
Consumer complaint received 2020-03-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

file ftc on these companies ftc file number XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : 05 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$130.00} Original creditor : 06 XXXX Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file. 

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. Among other things, the FDCPA bars collectors from using obscene or profane language, threatening violence, calling consumers repeatedly or at unreasonable hours, misrepresenting a consumers legal rights, disclosing a consumers personal affairs to third parties, and obtaining information about a consumer through false pretenses. Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Consumer complaint received 2020-03-21
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. (VA)

I have reached out to Equifax by mail and phone, Equifax has refused to remove inaccurate information appearing on my credit report. Equifax is reporting three ( 3 ) XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Despite XXXX XXXX being able to validate the accounts, Equifax refuses to comply with the FCRA and remove these accounts from my credit report.
Consumer complaint received 2020-04-01
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. (DE)

Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and trans union specifically refuses to reinvestigate or remove it.
Consumer complaint received 2020-03-21
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: Birchwood Credit Services, Inc. (FL)

Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and 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.