davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Good day. Company ERC continues to contact me via phone and mail attempting to collect debt that is not mine. I have asked for proof to ensure the debt is mine. I demanded the original contract that was signed for the items listed also proof that this company is able to collect debt on behalf of original credit. ERC has sent me documentation that does not look original nor has any hard information. The company also does not have my social so i am curious to know how they can threaten to place a collection of an unknown debt on my account. The statement they sent via mail is not descriptive at all. Its a repeat amount of prices for unknown services. Please have ERC stop harassing me for debt that is not owned by me.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: CrossCountry Mortgage LLC (CA)

Executive summary : We purchased a property in XXXX in XXXX XXXX XXXX. The purchase price was XXXX XXXX and we obtained a mortgage through a mortgage broker from CrossCountry Mortgage, LLC . However, the Closing Disclosure we signed at closing, which we later learned had an incorrect property tax estimate. We signed the Closing Disclosure on XX/XX/XXXX, which showed that the estimated property tax to be collected was XXXX XXXX or XXXX XXXX This made our total monthly payment {$5400.00}. This was a stretch for us, but we were excited to own a home. CrossCountry immediately sold the mortgage to XXXX XXXX and we began making payments of XXXX XXXX to XXXX XXXX in XXXX, XXXX. 

The Property Tax Rate in XXXX XXXX is about 1.37 %. The assessed value for the first year is the purchase price. With the {$7000.00} homeowner exemption, the estimated tax for the XXXX fiscal year would then be ( 1.37 % * {>= $1,000,000} ) = {$16000.00}. Add fixed charges and bond passthroughs of ~ {$1800.00} and the total estimated tax should have been about XXXX XXXX or XXXX XXXX 

They misrepresented the cost of ownership by XXXX XXXX to our detriment. This represents a difference of over 15 % of our monthly payment and this increase will continue throughout the XXXX year life of the loan. That is {$300000.00}! This error has put a huge financial burden on us and we are struggling to make payments. We relied on our loan

officer as a guide through this new and complicated process as well as the Closing Disclosure as the primary input for our decision of whether to buy or not to. Even though we opened an escrow account with CrossCountry at the time of purchasing the house, we never heard of an error or issue with our payments. Around XXXX XXXX XXXXXXXX, I received a late payment notice from XXXX XXXX. I eventually learned that there was a particular type of supplemental property tax bill that was not sent to XXXX XXXX. I alerted XXXX XXXX of this situation and they quickly paid the tax bill and the late payment penalty. However, this payment resulted in a shortfall of {$13000.00} in our escrow account. XXXX XXXX has now increased our monthly payment by XXXX XXXX to close the shortfall over the course of XXXX XXXX. However, they are still collecting the incorrect XXXX XXXX for property taxes. At some point in the XXXX XXXX they will revise the property tax collection amount and our payment will go up by another ~ XXXX XXXX. Again, this is a huge financial burden we have incured because of CrossCountry Mortgage 's error.

We have talked to our loan

officer at CrossCountry. She says that the incorrect property tax estimate printed on our Closing Disclosure was a human error, she apologized, and she said that there is nothing she or anyone else at CrossCountry can or will do about it. Additionally, we wrote a letter to the legal team of
CrossCountry. They never responded.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I requested a dispute with the 3 credit reporting companies, XXXX, equifax, and XXXX regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.
Consumer complaint received 2022-02-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I reached out to Debt Recovery solutions on a derogatory collection on my credit. I was never sent any notice to pay, and I do not remember ever using the original creditor. I disputed with the XXXX XXXX and they say it is valid. I then offered DRS to pay in full the amount owed for a deletion of this from my credit report on the grounds that I never received notice, they declined. All I want to do is pay this in full now that Im aware and this be removed from my credit. The outstanding is {$73.00}
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

XXXX was asked on XX/XX/XXXX and XX/XX/XXXX to transfer an overpayment of {$1900.00} electronically to my XXXX XXXX XXXX  account. This is because the accidental overpayment caused a large over draft to my checking account. After first saying they could, they refused to electronically transfer and instead sent a check snail mail, causing the customer to suffer prolonged overdraft. Again, XXXX should immediately credit my checking electronically. Once processed and deposited electronically, they can cancel any check that may have been sent.
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (CA)

I HAVE CONTACTED EXPERIAN MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EXPERIAN KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EXPERIAN IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EXPERIAN HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I hate to be revisiting this issue but this a huge problem on your end that needs to be rendered immediately. You are reporting inaccurate information on my credit report. You are reporting late payments from XX/XX/2020 to XX/XX/2020. Not only did you not notify me of the late payment and the delinquency on my report which is required by LAW. You are also reporting inaccurate information which is a violation of 15 USC 1692 d ( 1 ) and a defamation of character. I have been making on time payments and this account needs to be updated to paid on time immediately or further action will have be taken.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (UT)

I was served court papers from utah attorneys/ XXXX XXXX XXXX of XXXX utah on XX/XX/XXXX representing Midland Credit Management in XXXX, Utah saying I owed {$500.00} for my XXXX credit card account but Ive never recieved any kind of notification from MIDLAND CREDIT MANAGEMENT credit caard balance was only {$250.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I found out that my direct deposit had an issue on XX/XX/13 XXXX4 days after. It was established by XXXX XXXX after an hour on the phone with XXXX  XXXX XXXX that I personally did not place a stop payment on it, that the payment did not hit the bank acct at all. I then made another payment to the card through their site and again it came back to me. On the XXXX I used my debit card and it went through ; however, XXXX  XXXX sent to the credit bureau that I was late and it dropped my FICO XXXX points! Im trying to buy a house. I wasnt even late on the payment as there is a Grace period and the issue was with the credit card. I then contacted the card again-XXXX  gave me yet another reason why and now says she created the case to report the correct information. I dont know what the problem is with this card but this needs to be addressed properly and promptly.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

We were robbed while celebrating 10-year wedding anniversary in XXXX XXXX XXXX My wife 's id and Wells Fargo credit card was stolen. Also our XXXX XXXX XXXX was stolen among other things. Our Wells Fargo credit card was fraudulently used for the total amount of {$5500.00}. We filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX. Report # XXXX. We provided all of the above information to Wells Fargo. They reviewed our claimed and denied it. They reposted all the transactions, even though banks are required by law to be responsible for reimbursement of all fraudulent credit card transactions. We are asking for help resolving this situation with Wells Fargo. 

Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} {$5500.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$2100.00} {$5400.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  # XXXX {$79.00} {$3300.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$3200.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$79.00} {$1600.00} Posted Transactions XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} {$1500.00}
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (VA)

EOS CCA a Debt Collection Agency put a debt collection report on my credit reporting in XX/XX/2021 with a mailing address of XXXX Ct, XXXX VA, a XXXX debt of {$260.00}, which I was never contacted via mail or phone call regarding this alleged debt from XXXX or EOS. I never lived at XXXX or had a XXXX account ever. I don't even know anyone that lived at that address. They have on my credit report the XXXX bill is from XX/XX/2021, I have lived at my current address for over 6 years. I have never once received any letter or calls from this debt collector claiming I owe this alleged XXXX debt prior to them putting it on my XXXX credit report. I discovered it on my credit report in XXXX and called them to provide all information regarding this debt, after 30 days, I then disputed with XXXX credit agency and it was removed from my credit report because EOS CCA never replied to them within 30 days the law allows. XX/XX/2021, they put it back on my XXXX credit report this time with a mailing address of XXXX XXXX XXXX VA that I haven't lived at in over 15 years, again no call or mail from them. I reached out to them again via phone call and they refused to give me any information just stating I owe this debt. I am once again disputing it with XXXX, however, if they are doing unethical and illegal debt collection practices, this is not going to go away, even if XXXX removes it again, my fair is it will continue to be placed back on my credit report.
Consumer complaint received 2023-06-12
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. (IL)

On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and Experian which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

Equifax continues to reinsert an address that doesnt belong to me and I have never lived at this residence. I have had this address previously deleted in which Equifax sent me a confirmation letter stating it was deleted and they recently this address. They are also reporting a name on my file that doesnt belong to me and I want this name deleted. I will be providing a copy of my drivers license in this complaint as well as a copy of my utility bill to verify my identity.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I asked rent debt automated to provide me with a contract with my signature and they were unable to provide me the documentation I have a statement from the debt collector rent debt automated stating they do not have any documentation or contract with my signature on it this fraudulent I dont know where this debt came from I dont not owe this money please remove from my credit report immediately or I will be seeking litigation attach will be a statement from a representative from rent debt automated stating the the company is unable to provide proof of this debt PLEASE DELETE FROM CREDIT REPORT IMMEDIATELY
Consumer complaint received 2022-02-25
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: Bread Financial Holdings, Inc. (NY)

I'm having issue due to covid I called to get some help and XXXX XXXX, said she couldn't pull up my information to help me because she's having system issue. When I asked for a call back she said she couldn't do that I will have to keep to check when the system is back up and running to get help. I was able to speak to XXXX agents prior that was able to pulled up my information and try to help me. But with XXXX while I was on the phone with her as soon as I mentioned I need help due to covid, I couldn't get help when the automated system was working perfectly. While on the phone with her trying to get help, she said she couldn't help me I'll have to call back when I asked for a call back she said she couldn't do that neither and she hang up the phone and said have a good. She wasn't helpful at all, she make me feel less than a customer, she didn't seem like she wanted to help me at all. 
XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

My husband and I applied for and completed an application for a refinance mortgage with Amerisave on XXXX XXXX, 2020. We paid a {$500.00} application fee on the same day. 
Things were moving along at a slow pace. 
Finally the process was complete and we were told our closing date would be XXXX XXXX, 2020. I contacted our mortgage broker that we were dealing with on XX/XX/2020 to first let him know that the loan disclosure numbers were incorrect and also to inquire how the closing process would work and where it would actually take place. He was very evasive and said he did not have an answer. He said I was going to be contacted by someone from his company to set that up. I was not comfortable with his response and asked to speak to a supervisor and he told me he did not have a number to give me. he then told me he would be off the next day for XXXX and would not be back until Monday XXXX XXXX, 2020. He told me he had alot of clients and I need to be patient. I asked him how he could give me closing date with no details. I then tried to call customer service at amerisave and spoke to girl who told me she would forward my compalint to the correct parties. I then received a call from XXXX at Amerisave on XXXX XXXX2020 at XXXXXXXX XXXX with my corrected loan disclosure. She gave a new closing date of XXXX XXXX, 2020 and would get back to me with the details of closing by XXXX XXXX, 2020. I am now not able to reach my loan officer or XXXX  or anyone at Amerisave. I am very concerned that I have been scammed and they have all my and my husband 's personal information. 
I have all documents and correspondences with Amerisave
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I.C. SYSTEM, INC Reached out regarding balance. I advised him that this debt did not belong to me. They gave me instructions to reach out to The original creditor. When I reached out to the creditor to resolve issue their business phone was no longer in service.
Consumer complaint received 2020-12-28
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: Experian Information Solutions Inc. (FL)

By this message, I would like to let you know that I found accounts that are not mine in my report recently. Its violation of my rights to report inaccurate data in my credit report. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and delete them forever.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

I lost almost all my work during the beginning of Covid and my Mortgage company Wells Fargo offered me a Mortgage deferment. I signed up for 6 months, but they didn't get the paperwork sent to me in time and did 7 months I am now back to paying my payment but I saw instead of my mortgage balance being the same, it is now the amount ( over {$6000.00} ) of my deferment. I was at {$72000.00} principal balance, but now am over {$78.00} When I reached out to them, they sent me a response back stating it is an " unpaid secondary principal balance. '' This isn't what I was told at all. I only deferred my payments, they shouldn't have added it like I'd taken a secondary account! Please help I havne't uploaded a copy of the response back, but I can upload later if you need it
Consumer complaint received 2020-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (MD)

They called me multiple times in one day and said my credit would be ruined. I got a mail saying they would use adverse measures to collect the funds ( even after theyve reported it to all three credit bureaus ) and i called them after receiving the mail and they threatened to take me to jail if i do not pay.