davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

On XX/XX/XXXX, I call Specialized Loan Servicing ( SLS ) to tell them of my intent to paydown the principle. The agent advised me to make the normal monthly payment of {$1400.00}. Review the account online and make a seperate payment to my principal, the agent walked me through the process of making a payment to principal. 

On XX/XX/XXXX, I made the payment to principal in the amount of {$7400.00}. This payment was not a payoff but it was a direct payment to principal, with the intent to bring the principle down to XXXX, I would still have an Escrow payments and fees. 

I reviewed my account on XX/XX/XXXX, and found that my payment was not applied to the principle. I called and spoke to another agent who reviewed the account and told me that my principal payment was applied to fees first then principal. I advised the agent that the previous agent I spoke with on the XXXX did not advise me of this and when I made the principal payment using their online system, I was not advised of this. In fact to make a seperate payment to fees was a different option and I did not use that option. 

The agent submitted my complain/request, to have the funds applied to principle and requested that I call back sometime next week for the resolution. 

1. As a consumer protection agency I feel you need to review the process and controls put in place by SLS. Their process in how they apply a principal payment is not transparent. First, their agents did not provide complete information when they had my account information. Second, their online payment systems did not provide correct information and mislead the consumer to believe that a principal payment would be applied to principle. 

2. SLS has an open separate complaint with regard to the fees assessed by a different bank. It seems like the left hand doesn't know the right hand has an open pending CFPB complaint against the fees. The agent on today 's call advised me the fees were legitimate, how could she know? The fees were assessed by a different company and the CFPB complaint hasn't been resolved? 

3. Complaint management : I made a complaint to the agent about how I was mislead and how I was not previously advised how my principal payment would be applied. The agent advised me that I would not receive anything in writing and I would need to call back. In my opinion, any UDAAP complaint should be responded to in writing.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Ive tried numerous times to call Wells Fargo and have them explain to me. Why do I have overdraft fees, and check return fees? No one was successfully able to explain it to me with common sense. They purposely waited until I got into a certain amount of funds and then release the charges so I can overdraft. Sure instance a XXXX dollar XXXX charge should be deducted that same day, but they would wait a week just so I could be at a certain amount to charge me extra for overdraft. As I explained it to them, they were doing this they act dumb Founded.
Consumer complaint received 2023-01-24
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-12
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. (IN)

I am a victim of identify theft I did not authorize or give consent .The following items do not belong to me and is a result of fraud that I did not authorize. Please see attachment and delete all accounts listed
Consumer complaint received 2021-03-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following account information I have listed below was not handled properly due to XXXX XXXX, Transunion being non-compliance and being in violation of the FCRA.
Consumer complaint received 2020-03-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: F&B Acquisition Group LLC (MO)

I applied for a loan from F & B Financial Group, XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX, XXXX. This was for a Home Loan using my VA entitlement. I complied with all the necessary paperwork to XXXX XXXX, Senior Mortgage Advisor. I was approved for {$220000.00}. This approval letter was also e-mailed to a Real Estate Agent that I was NOT under contract with. I felt that that was very illegal to do without my permission. Between this Real Estate Agent & XXXX XXXX of F & B Financial there were deliberate actions to disqualify me from purchasing many homes.After contacting VA I found out that I can purchase an " as-is '', foreclosure or Auction home. During this time I lost 2 homes that I was interested in because of the actions of F & B. I believe there is an underlying reason for these roadblocks. It is either that my Wife is XXXX or of my age of XXXX. I have e-mailed XXXX XXXX firing him with " no response '' I have called F & B many times leaving voicemail messages with no response to my requests. 24 hours ago I left such a message to the President of F & B, XXXX XXXX, requesting an appointment to meet with him in person to discuss the above problems. NO RESPONSE as usual. 
UPDATE : Today XX/XX/2020 I went in person with my Wife as a witness to F & B Financial Group at XXXX XXXX. I requested from the receptionist an " original '' copy of my Loan Amount Approval Letter. The receptionist, then returned stating that since I had fired XXXX XXXX another Loan Officer would have to be assigned to my Loan for review. 
I told her that that was not acceptable. Then, another person approached me saying that she was a Manager, but did not state her name. Later I found out that her name XXXX. XXXX then left & returned with my request. 
This time my Pre-approval was dated for today, XX/XX/2020 for the amount of {$200000.00}. 
NOT the ORIGINAL dated XX/XX/2020 for {$220000.00}. Bait and Switch. Highly ILLEGAL. 
I have attached the e-mail to XXXX XXXX requesting that he e-mail the ORIGINAL Loan Approval to me. Which he did not! 
I have also attached the ORIGINAL Loan Approval Document dated XX/XX/2020 and the DOCTORED Loan Approval Document dated XX/XX/2020.
Consumer complaint received 2023-05-17
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

According to Equifax, apparently I do not exist. I have an account, but it is no longer recognized. I can not get a credit report from them via XXXX, although I do from the other two agencies. While they have no problem assessing me a credit score, I have a thin file and they refuse to recognize me with their automated system, and I can not contact them otherwise. They ignore all letters. I sent them a letter on XX/XX/XXXX, no response. Another letter on XX/XX/XXXX, also ignored. And a letter requesting a 7 year fraud alert on XX/XX/XXXX. That was responded with a postcard saying they acknowledged the 7 year alert, and I would not have to notify the other two credit reporting companies, which I had already done. They did not respond to any of my complaints about having an account I can not access, that I can not get my credit report, and they have not responded to any prior letters. I am the victim of identify theft, due to a breach of a government server, and the monitoring agency that they assigned me said they have nothing but problems with Equifax. I have credit freezes with XXXX and XXXX, and no problems with them.
Consumer complaint received 2023-02-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Here are several accounts that need to be removed and updated to accuracy from my credit bureau which have violated my Rights. 

( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX of XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

merchants credit guide company XXXX Collection opened XX/XX/2019 MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was open as fraud. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I re-financed my home mortgage loan from a VA loan with XXXX XXXX to a conventional loan with XXXX XXXX XXXX in XX/XX/XXXX. That loan was sold to the servicing company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXXXXXX, NJ XXXX. Tel : XXXX and Fax : XXXX. 

My escrow account was also transferred to PHH Mortgage Services. My home insurance company is XXXX XXXX XXXX XXXX. ( XXXX has been a phenomenal company-very good ). My first payment with PHH was XXXX XX/XX/XXXX. Even though PHH has had my insurance company 's mailing, billing, and contact information since XXXX, PHH has not paid XXXX from my escrow account for my home insurance. 

My home insurance policy will now be canceled on XX/XX/XXXX if PHH does not post their payment by that date. Today I confirmed with both XXXX and PHH that PHH has all the correct information. 

I'm asking for government help to ensure that PHH will pay XXXX for this payment and all future payments in a timely manner. Additionally, PHH has been a problem company for many citizens ' loans. I ask for a full investigation into their practices and the company in general. A quick XXXX search will reveal that many people, 300+, have had serious issues with this company. If I continue to have issues with PHH, I am also asking for help in getting my loan sold to a different and responsible mortgage loan servicing company. 

Thank you for your service and urgent help in this matter.
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (AL)

I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of Wakefield, the original debt collector, but they were a scam artist pretending to be with Wakefield and Associates. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NY)

Capital Accounts has been illegally reporting a collection debt, XXXX XXXX XXXX XXXX, which I do not owe to the credit bureaus since XX/XX/XXXX. I have been disputing this account on a monthly basis since it was placed on my reports and requested verification of the account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In response to these 3 requests Capital Accounts sent me 2 page letters suggesting they have sent an itemized list of my debt. In each of the letters the second page is a blank page. This is not a mistake. This is evidence that there is no debt owed at all. 

In any event I did not ask for an itemization of my debt. What I insisted on was validation of the debt with my signature authorizing the debt. I have not received verification as of today. They continue to refuse to remove this false debt from my reports.
Consumer complaint received 2023-05-17
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. (FL)

Credit Bureau : TransUnion False Account : XXXX Collections Account Number XXXX I called TransUnion XX/XX/2023 and sent US Postal Mail XX/XX/2023 XXXX get this account deleted that's showing on my credit report, this account is violating several XXXX codes and needs to be deleted immediately after you have reviewed this account. 

( TRANSUNION DID NOT TAKEN ANY IMMEDIATE ACTION DESPITE THE U.S CODES THE ARE OBVIOUSLY VIOLATED ) This account is violating 15 usc 1681 I understand that whatever is furnished upon any credit report shall be accurate and fair.

Also this same account is violating 15 usc 1681g, i also understand any reporting agency upon request clearly and accurately disclose to the consumer any and all information regarding anything on a consumer account. 

Lastly I do not remember giving anyone permission to collect or furnish this account. 

Under the FAIR CREDIT REPORTING ACT, I am requesting the deletion of this account for clear reasons of these violations. 

If i look at my credit report I am supposed to have the proper information of correspondence like phone number, address, or other methods to contact the alleged creditor or collection. This ignorance of the law is not acceptable. I am calling in today to bring awareness and attention to this matter.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
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. (MO)

on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These XXXX and Equifax have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. XXXX as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.
Consumer complaint received 2023-01-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I never applied for a Bank of America credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.
Consumer complaint received 2023-01-23
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: DISCOVER BANK (GA)

Discover is refusing to properly reassert and CORRECTLY INVESTIGATE dispute. I was told on XXXX by The Discover Fraud Department that they will not reassert my dispute without new information. Counts as follows ; 1. Due to not being able get in touch law enforcement.

RESPONSE : I called and spoke with the police department ; they said they have received no phone calls or messages from Discover, but would speak with them if they call.

2. That I viewed activity on a XX/XX/XXXX and XX/XX/XXXX and did not report until XX/XX/XXXX. 
RESPONSE : I called in on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX all reporting that my card was lost and my account needed to be locked. I received correspondence emails stating that Discover was sending me a new card, crediting my account and locking my account. BUT I NEVER RECEIVED A NEW CARD AND MY ACCOUNT WAS NOT REPORTED. 

3. That I made payments from XXXX to XXXX prior to reporting fraud. I DID NOT MAKE ANY PAYMENTS UNTIL XX/XX/XXXX. 


4. My name and phone are spelled incorrectly on all fraudulent charges. PLEASE LOOK AT THE BILLING AND SHIPPING ADDRESSES. THEY ARE WRONG!!!! 

Under the federal Truth in Lending Act ( TILA ), credit cardholders can only be held liable for unauthorized charges up to {$50.00}. Because Im facing charges of more than {$1700.00} Discover can not demand payment of this unauthorized charge or any related fees. 

I did exactly what I was supposed to do under these circumstances. When she received her credit card statement, I reviewed it immediately. Then, I quickly disputed the unauthorized charge multiple times. As soon as Discover was notified about the disputed charge, it was obligated to perform an investigation under the federal Fair Credit Billing Act ( FCBA ). At first, it appeared that the charge was handled correctly because the charge was reversed and removed from my account. But when the charge reappeared and I re-disputed, the credit card company violated the FCBA by : -Failing to perform a proper investigation, -Failing to consider the evidence XXXX provided XXXX -Failing to provide proof of the contract or receipt that XXXX allegedly signed in support of the charge, -Permanently reinstating the charge that was previously removed, -Refusing to provide an adequate written explanation of its decision and supporting documents to justify the reinstated charge, and -Continuing to demand payment of the charge and associated interest and fees. 
-Unlawfully charging XXXX for a transaction I did not authorize, -Failing to investigate and correct the charge, -Falsely claiming it did investigate, Billing me for amounts I dont owe, and -Trying to collect the unauthorized charge while adding interest and other fees.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The XXXX account ( XXXX ) was written off and closed with a {$0.00} balance on XX/XX/XXXX. However, Experian Payment History has marked this account as Charged Off ( CC ) every month from XXXX XXXX  through XX/XX/XXXX. 

Although the account was closed in XXXX XXXX the account appears as an open account that I have missed making payments from XX/XX/XXXX to the present. As a result of Experian 's inaccurate reporting, my credit score has dropped significantly.