davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (OH)

My father has a current mortgage with Freedom Mortgage. My father died on XX/XX/XXXX and I have since been appointed the administrator of his estate and been granted the consent to sell real estate by the probate court. 

Freedom mortgage refuses to provide me or my attorney And title company with the requested payoff information. I was informed on I would have to work with Freedom mortgage to become a successor in interest, and only then could I obtain a payoff amount. 

On a phone call to freedom mortgage on XX/XX/XXXX, I was informed by Freedom mortgage representative XXXX that I needed to fax in my letters of authority, death certificate and consent to sell real estate to initiate the process of becoming a successor in interest. XXXX stated that it would take up to 72 hours to upload those faxed documents to their system. Those documents were faxed in and I have a copy of their receipt. 

I called in 2 days later to check on the progress of my request and spoke to XXXX, who informed me that the request can take up to 8 business days. I then Asked to be transferred to a supervisor, given the inaccurate information I had been given about the turn around time. I was transferred to supervisor XXXX, XXXX stated that in fact, it could take up to 14 business days to upload faxed in documents. Additionally, she told me that I needed to fax in a copy of my drivers license, which had not been mentioned on my previous calls. My attorney faxed in a copy of my drivers license on XX/XX/XXXX and we have a receipt of that fax transmission. 

My attorney received a fax on XX/XX/XXXX that my drivers license was needed, despite it having been faxed 7 days prior. My attorney faxed over, for a second time my drivers license, we have a receipt of that fax as well. 

When I spoke to Freedom mortgage today ( XX/XX/XXXX ), the agent I spoke with was unable to clearly outline the next steps in the process on how once confirmed a successor in interest, I could grant permission to my attorney and the title company to obtain the payoff amount. I was transferred to supervisor XXXX Rep. Id # XXXX, who had no explanation on why my original fax was not received on XXXX and that it would take 7-10 business days to review my documents, which they state were received for the first time in full on XX/XX/XXXX. 

The property in question is in contract and scheduled to close mid XX/XX/XXXX. I dont mind working with the mortgage company to obtain authorization to get the payoff amount ( the only information we are seeking ), but when that company fails to accurately outline their own procedures, lose documentation and can provide my no estimated completion date, I am seeking assistance from the consumer protection sector, as I can not allow the sale of this home to be forfeited due to the procedural shortcomings of the lender.
Consumer complaint received 2022-12-19
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. Experian and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$21000.00}.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Attached w/ pictures are phone calls received when still in review w/ XXXX XXXX. These were also paid because I didn't know I had a choice to fight and get proof. 
At one point they would not talk to me because problems they had legally and received a XXXX dollar check in the mail at that time these 2 accounts where removed off all my reports. Then they just appeared again. I have asked for all communications stopped and everything mailed to me for proof and calls continued! Even on a Sunday during church. I requested the following Original credit agreement/Arbitration agreement Purchase agreement/Original account number Date the account was opened Debit validation letter with original creditor with my signature on it. 
Payment history with detailed payment history. Any insurance claim filed on this debt. Chain of title to collect on this debt. Proof of debt assignment according to 15 usc 16 92g regulations. And I have not received nothing but calls and no mail or proof.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (KS)

American Express closed all of my card accounts, they are upset because I signed up and was approved for the offers and earned points through a rewards program. They only want people to carry a balance and never redeem their points they earn. They also want people to pay the {$550.00} annual fees on their platinum cards, which I did. 

In my opinion, I did not violate any of their terms, I was approved for the cards they offered and I paid the {$550.00} annual fee. 

Keep in mind, this card was just opened last month in XXXX, and American Express closed my credit card accounts, took all my points and are not refunding any of the {$550.00} fee, even though its a 12 month fee so it should be refunded at least prorated for the 10.5 - 11 months. I did not get all the card benefits, so in my opinion them not refunding the annual fee at all is stealing from me. 

Is this the standard that you want to set for your customers American Express? Bait me into appying for a card that you approved me for, make me pay the annual fee and then close the card so I can't get any of the annual fee back? That is just wrong and is stealing. 

Please do the right thing and refund at least a prorated annual fee amount as a one time courtesy. I do not want to take additional legal action by taking this to small claims court. But trust me I will if I have to.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

XXXX XXXX XXXX keeps raising my monthly payment on my home. I was told this was a fixed monthly payment loan. And for awhile it was. But first it went up to XXXX XXXX dollars. Now it's up over thirty-six hundred dollars. 

I can not afford these escalating payments. I think they are engaged in a predatory practice of raising my monthly payment when it was supposed to be fixed, in order to steal my home.
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Delta Management Associates, Inc. (MD)

I have been repeatably contacted by Delta Management Associates to collect a debt by a employee of theirs. They have called at least 1 time per week and now have faxed me.
They have now sent a fax telling me to garnish the wages of a employee of ours. They mention US code, and upon calling them they told me that our company would be in breach of law by not abiding by this. This is a fraudulent activity for which they should be warned.
Consumer complaint received 2018-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a letter that my husband and I sent to Equifax and XXXX   on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to Equifax and XXXX  a couple weeks ago, and those letters have also been ignored.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (VA)

on XX/XX/2021 i called Discover Bank in order to let them know of fraudulent activity in my Credit card account. At this point they seemed to one to help me with an investigation on the fraudulent charges. I explicitly told them that i was at that point a victim of Identity Theft and I had filed an FTC report and had open a Police report as well. All this information was provided as well. Nevertheless today for the third time I am fighting to not pay {$16000.00} that I did not even spend. My card limit was {$9000.00} and the person that stole my identity and credit card digitally was able to take out that amount. In addition to this and all the information and paper trail I provided to the investigators they state i am still responsible of paying a debt that I did not accrue because i can not proof that it wasn't me that made the transactions because my identity was stolen. There were numerous bank accounts attached to my Discover account that were not even under my name and not even that is enough. They have continued to even auto-debit payments until I stopped them, its gotten to the point were i am actually struggling to get by. In multiple occasions i have also stated that while my phone was stolen I had attempts of people impersonating me with my information to open accounts over the phone in other loan companies. Discover is the only company holding me accountable of a debt done via identity theft. They have even stated they would sue me or find any means for me to pay a debt I did not make,
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I tried to make my payment online before the due date of XX/XX/XXXX. When logging in, the XXXX XXXX XXXX/Synchrony Bank system REQUIRES you to provide a phone number AND to give them permission to contact you via the mobile phone if you give them a mobile phone number. My only phone number is a work cell phone and I am not permitted to receive personal calls on it. It is impossible to proceed past the " Update Information Required ''  page without giving them permission to contact you via cell phone. 

After trying to make the online payment, I tried to call them at the service phone number XXXX. I was not able to make a phone payment because the agent required me to " verify my phone number '', and when I told them there shouldn't be one on the account, they told me I was " required to have a phone number '' and could not proceed without one. 

I again tried to call to make a payment on XX/XX/XXXX, and was again unable to pay my bill without giving them a phone number. 

I therefore mailed my check, on XX/XX/XXXX, and it was received and processed by Synchrony on XX/XX/XXXX, obviously after the XX/XX/XXXX due date.
Consumer complaint received 2022-05-31
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. (MD)

Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status.This is illegal and in violation of several 15 U.S.C. laws.This is my 3rd attempt disputing this account with Equifax, this collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should be removed.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-05-31
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: ENCORE CAPITAL GROUP INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States have the ight to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-05-31
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)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXXXXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX Mortgage company early XXXX to make payment arrangements. As our county each year for the last 4 years have been hit with a natural disaster fire. I was advised that I could make payment arrangements. I was told since I was in an area that was declared a natural disaster area I would not incur any late fees and they would not report any late payments. I recently pulled my credit report and all three agencies show multiple late payments for XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I contacted the company to have them resolve the issue and was told I would have to submit a letter to their dispute department. I was told this was the only form of communication I could use. As there was no phone number or email address as a contact. I submitted a dispute with all three credit reporting agencies. Trans Union updated my file under remarks that I was Affected by natural disaster. Which increased my credit score.  However, they did not removed the late payment history for those months. Today I received confirmation from XXXX that they have updated the remarks on my file to reflect " Affected by natural disaster '' and, they also updated the monthly history to show no late payments. I tried to issue another dispute to get the late payments removed but was unable to do so.