davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Finance of America Holdings LLC (PA)

We purchased this house with a FHA XXXX loan. The total loan amount is $ XXXX. The property purchase price is $ XXXX leaving $ XXXX for renovations. We have only used $ XXXX leaving a ballance of $ XXXX. We do not need the $ XXXX remaining. I want my mortgage to refect that amount ( $ XXXX ). We needed this modification because the banks HUD Inspector approved the contractors bid that the inspector knew could not be done for the amount quoted. The inspector told us this in XX/XX/XXXX. That why we needed the first modification. We supplied all finishing materials which made rehab fit the remaining budget. When we moved in on XX/XX/XXXX, all the plumbing had to be redone, everything leaked. The inspector approved and paid for faulty plumbing. We asked for a second modification to cover the cost to make repairs. All modifications were necessary because the inspector failed to do his job. 
Finance of America 's XXXX XXXX recommended the realtor XXXX XXXX XXXX. Who recommended XXXX XXXX XXXX XXXX who grossly under bid the contract, and breached the same contract. Then Finance of America 's HUD inspector XXXX XXXX recommended XXXX  XXXX, who he has paid for unnecessary and incomplete work XXXX. The broker recommended the realtor. 
XXXX. The realtor found the house and the contractor, who breached his contract XXXX. The HUD inspector recommended the second contractor who has not completed the work but has been paid.This has predatory tendencies all over it and a whole lot of conflict of interest, nepotism, and fraud.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: J. Ritter Law P.C. (OR)

XXXX from J Ritter Law Firm keeps calling me claiming to be a debt collector, asking me to pay a debt allegedly from my old university bookstore. They sent me a letter months ago ( XXXX of XXXX, I think ). When I didnt respond in writing, they started calling me ( sometime in XXXX XXXX XXXX  ). I know I dont owe this debt. When I ran my credit and the debt did not show up on my credit report, I was finally sure J Ritter was a scam. Theyve called saying I have a case against me, mentioned appearing in court. I called my university bookstore today. The bookstore staff agreed that J Ritter sounds suspicious. Further, the dates of these letters and phone calls dont line up with my time at the university over a year after leaving the school. 

To date, Ive received no notice from the university or its bookstore about any debt owed/missing book. I didnt give XXXX any personal info, just confirmed that they can call me back at the number they keep calling. Told them I would confirm the debt with my school first, just to be sure. XXXX said he would call me again if he doesnt hear from me by the end of the week. This is obviously a scam, but I dont know what good it will do to tell them, Youre a scammer. Dont call here again.
Consumer complaint received 2023-08-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

Loan opened XX/XX/2021, 21st Mortgage who services our loan for our mobile home has not prorated back into our escrow for a change in flood policy.

plus found out our current hazard home insurance policy last 3 years has flood insurance but they forced a lender flood policy on us so basically double policy is in effect and they will not remove their flood policy.

also at purchase, they forced the owner 's policy on us and when I purchased a policy they did not cancel the other policy on our account either.

I have sent certified letters, I have spent hours on the phone with no results.

as of now I have a hazard home insurance policy through them out of my escrow account that also has flood insurance.

I then had to buy out of my own account a new flood insurance policy to get them to remove their lender flood insurance policy off.

but i still have double flood insurance that they insist i carry two policies on flood insurance.

I also do not know why I even have to have flood insurance as our land loan does not require it.

I believe this mortgage servicer is doing illegal buisness plus my policy amounts /cost do not match their escrow detail report cost
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Years ago, I got a loan with XXXX XXXX. Later they transferred the servicing to Mr. Cooper. When the loan was first transferred, Mr. Cooper added an escrow account. I told them I paid XXXX th more in interest to not have an escrow account. They told me I had no choice and I had to pay into an escrow account. I would fight them and they would finally delete thee escrow account. 

3 years ago, Mr. Cooper placed lender insurance on my account even though I had provided proof of insurance. During this time I called repeatedly about this and they refused to change the lender policy and accept my insurance policy. Therefore, I was forced to pay 2 insurance companies. Finally, I was able to get someone on the line and proved I had insurance and they refunded 3 years of impounds. 

Trying to be proactive, I called Mr. Cooper to make sure they got my insurance. At that time, I found out they stopped my auto payment and I was delinquent. Again, I tried to setup autopay and have not been able to do. I did get confirmation that they had my XXXX insurance policy. The policy in affect at ths time dates from XX/XX/XXXX to XX/XX/XXXX Even though they have a paid receiupt of approximateyt {$3800.00} and a policy showing paid in full, Mr. Cooper sent another check of approx. {$3800.00} to my insurance company. My insurance company has denied receiving this payment. This means I have paid my insurance twice. To make matters worse, included in my {$3800.00} amount is insurance for 4 other properties. This is a blanket policy for my rental properties, They are charging me interest on this amount even though they admitted they had proof of full payment for my 1 year policy. They are now telling me, I have to wait for the insurance company to cash the check and send me a reimbursement. That could take at least 6 weeks. Then I am told I have to mail that check to them to be put in my escrow account which I shouldn't have to pay. They want 1 year premium in the account in advance. 

I spend almost 4 hours every monthly trying to work out problems like this with Mr. Cooper. They want to increase my payment from {$390.00} to {$970.00} per month. .Also, they have created overdrafts for me by increasing the amount of payment with no notification. 

Please help me to get my {$3800.00} back from Mr. Cooper. Please get Mr. Cooper to reimburse me for the interest charged on this amount. Please help me to stop Mr. Cooper from collecting impounds. 

Thank you for your assistance. 

XXXX
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.
Consumer complaint received 2023-05-11
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. (MI)

This is my several attempts that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Timeline of Events. 

XXXX. XX/XX/XXXX : Equifax sent out wrong credit report that effected my credit approval. My score went from XXXX to XXXX for XXXX months ( XXXX XXXX XXXX ) before being fixed. 

XXXX. XX/XX/XXXX XXXX : I had a {$27000.00} credit limit with XXXX  in good standing at a {$0.00} balance. I have never had a late payment or missed payment for any of my credit accounts. XXXX took away over 75 % of my credit line for no reason. They also raised the APR on all three cards ( Dividend, Double Cash, Simplicity ) to almost 29.9 % from 14 %. When I talked to a credit representative they verbally said " My credit was not good and that my income was not enough to have this much of a credit line. '' My credit balances on all my other cards has never changed and I was never delinquent on any bills. After hearing this from XXXX, I demanded a letter in writing stating what they told me and they did in fact send me a letter about this incident. I have the letter in my possession and it states something different than what was verbally told to me. 

XXXX. I have 8 major credit cards ( XXXX, XXXX, XXXX ) with a combined credit line of {$100000.00} with only {$15000.00} balance used at a 15 % utilization. When XXXX took away my credit balance with no notice, it put me over a 20-30 % utilization for all my credit all around. This has caused all other credit cards to stop with APR promo financing, stop giving me a credit balance increase, stop from renting a new apartment, and even stopped me from getting a great rate on a new car. 

XXXX. XXXX has avoided mortgages to minorities in the past, they had a XXXX lawsuit regarding failed oversight on consumer percentage rates, and now we have a proposed class action lawsuit against XXXX and Armenian families in California. I truly believe XXXX either used an algorithm to attack my credit because of the hyphen in my last name ( XXXX ) or XXXX reevaluated my account with a bogus credit report from Equifax. They used the bogus report to take away credit and to raise the APR rate. 

XXXX. I truly feel taken advantage of and did not know what to do for the last two years until I saw the lawsuit regarding the algorithm and Armenian families.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to follow up on my recent correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and subsequent removal of disputed negative items from my credit report. Unfortunately, despite my previous efforts, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved and deeply concerning.
Consumer complaint received 2023-11-29
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 If one credit bureau remove something from my credit, then all three credit reporting agencies should make therefore the information is inaccurate. In this case Equifax removed the collection account from my credit report, but XXXX and XXXX have yet to remove them. I have did disputes online and sent multiple dispute letters in the mail. I have inaccurate names, addresses, phone numbers, and even my social security number is inaccurate
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (NY)

I am submitting a new complaint because TD Auto Finance has not provided me for an adequate response. So I will put it plainly : The TD Auto Finance website granted me a month extension took my money and added additional interest rate payments to my account. After the fact, TD Auto Finance reneged on the extension that the website granted, while still charging me an additional interest rate for the extension. 

The person who responded to my last complaint claimed falsely that they tried to reach out to me. I received no voicemails or phone calls from them. 

TD Auto Finance made an error and is charging me money for the error that they made, in violation of their own agreement. 

I tried multiple times to fix this using their customer service, however, every time I called the number provided, I was sent to voicemail. The calls were then returned by blocked phone numbers which were flagged as spam by my cell service carrier. 

I would like TD Auto Finance to be held accountable for their mistake and to fix it.
Consumer complaint received 2023-11-29
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. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (SC)

I received a credit card in the mail on XX/XX/23. It was sent to my old address that I still have mail forwarding on so it was forwarded to my current address. I immediately pulled my credit report. I called and told Chase that I did not apply for any credit card with them and they closed the account. The account is listed on all XXXX credit bureaus with a {$140.00} balance reported. I have disputed the account with all XXXX bureaus. The representative that I spoke with on XX/XX/23 at Chase ( XXXX XXXX said that the balance was {$200.00}. There were no hard inquiries on XXXX or XXXX. There was a hard inquiry on XXXX. I put a credit freeze and fraud alert on all XXXX bureaus on XX/XX/23. I called XXXX on XX/XX/23 and disputed the hard inquiry. They removed. On XX/XX/23, I received an email that the account was listed on XXXX. I called and filed another dispute to have that account removed. On XX/XX/23, I received a letter from Chase that they closed the account and were investigating. On XX/XX/23, I mailed a request to Chase to provide a copy of the application that includes a summary of all of the relevant information about the credit card account that was opened in my name.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

I am writing to express my deep dissatisfaction with the handling of my mortgage account by US Bank. Over the past several weeks, I have encountered significant challenges and delays in the removal of an informal forbearance that I had previously requested. This matter has not only caused undue stress and frustration but has also placed me in a compromising situation as I am pursuing a home equity line of credit with another lender. 

Several months ago, I initiated an informal forbearance with US Bank due to unforeseen financial difficulties. However, when my situation improved, I promptly submitted a written request to have the forbearance status removed from my account. Despite multiple requests and assurances from US Bank representatives, this process has been egregiously mishandled. I have consistently been told that the removal was " in process '' and that it would take 3-5 days to finalize. Regrettably, this timeline has repeatedly proven to be inaccurate, and the requested removal has not been executed as promised. 

As I am currently in the process of obtaining a home equity loan from another lender, the presence of the forbearance status on my account is causing detrimental delays and potential financial repercussions. I have made every effort to comply with the requirements of the home equity loan application, including bringing my mortgage account current. Despite these efforts, the fact that US Bank has not removed the forbearance status is impeding my progress and jeopardizing my chances of securing the loan. 

The continued mishandling of my request and the subsequent delays have caused me to lose confidence in US Bank 's ability to manage my mortgage account effectively. I am perplexed by the persistent delays and lack of accountability on the part of the bank. It is disheartening to have to invest my valuable time and resources in multiple follow-up calls and requests for a seemingly straightforward matter. 

Moreover, the prolonged nature of this issue is now putting me at risk of losing the opportunity to secure the home equity loan I am pursuing. This potential loss would not only disrupt my financial plans but also result in additional charges and fees. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that US Bank promptly removes the forbearance status from my account and provides me with the necessary documentation, such as the requested exit letter. I believe that the bank 's handling of this issue is both unreasonable and detrimental to my financial well-being. 

I appreciate your attention to this matter and look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX if further information is required. 

Thank you for your assistance.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2024-03-14
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. (NJ)

MY INFORMATION WAS BREACHED WHILE WORKING FOR A TEMP AGENCY. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES I HAVE NO AFFILATION WITH OR KNOWLEDGE OF. I CONTACTED THE CREDIT BUREAUS BY PHONE AND MAIL ADVISING OF THE INACCURATE AND FRAUDULENT ACCOUNTS BEING REPORTED ON MY PROFILE. I REQUESTED VERIFICATION AND THESE ACCOUNTS HAVE BEEN UNVERIFIABLE. 

FURNISHING INFORMATION TO PROFILE WITHOUT MY WRITTEN CONSENT IS IN VIOLATION OF 15 USC 1681, AND FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (PA)

M & T Bank is reporting to XXXX that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers