davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO (TX)

The mortgage servicer is Mortgage Solutions Financial, XXXX XXXX XXXX, XXXX XXXX, CT XXXX, XXXX. 

My husband passed away recently, and the mortgage company issued an escrow refund of over {$600.00} in the form of a check written out to my husband 's estate and to me. There will be no probate process due to the small size of the estate, and my bank will not allow me to deposit the check. 

On XX/XX/XXXX, I informed the mortgage processor, and they said that they could only reissue the check. I then asked if they could instead apply the money to the principal, and they said yes, by XX/XX/XXXX, they would do so. 

On XX/XX/XXXX, the escrow refund had not been applied to my principal balance, and I called the mortgage company back. They then indicated that they were refusing to apply the escrow refund to the principal balance, and to call back on or after XX/XX/XXXX for confirmation. 

I called back on XX/XX/XXXX, and the mortgage company again promised to apply the escrow refund to the principal balance and assured me that this request would be processed by XX/XX/XXXX. I told them that I had already been assured that this would happen in the past ( by XX/XX/XXXX ) and that they THEMSELVES had refused to do it, so this was in inadequate solution. 

XXXX indicated that I could not speak with a supervisor, but I insisted and waited over an hour to speak with a supervisor. While I was waiting, XXXX suggested that I write a letter via USPS to their XXXX XXXX XXXX department in XXXX, Arizona, and I told her that was an unacceptable solution because they are fully capable of doing a proper escalation over the phone and furthermore I live in a remote location in XXXX XXXX where correspondence will not necessarily reach me. 

I still maintain a joint XXXX XXXX  account that was opened with the deceased, and Mortgage Solutions Financial of XXXX XXXX could easily send the mortgage escrow refund to this account or apply the money to my principal. Worse, Mortgage Solutions Financial knows that my property is under offer and that I will close on XX/XX/XXXX. 

I then spoke with the supervisor XXXX who said that Mortgage Solutions Financial will not apply the mortgage escrow refund to the principal and is legally required to send me a check. I informed him that mortgage servicers have the option to send the money via electronic means because other servicers do that. He also proposed that I send them my husband 's death certificate, which I already did, so that was not useful advice. Mortgage Solutions Financial is refusing to send the money via wire transfer. 

So far, their solutions do nothing but prolong the delivery of MY OWN money to me. The company knows that it eventually has to deliver the money to me yet seems to want to draw this process out and involve the small claims court.
Consumer complaint received 2022-04-16
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. (GA)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Due to XXXX being a XXXX XXXX XXXX and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 USC 1681 c-2 states that a XXXX XXXX XXXX XXXX XXXX the reporting of any information in the file of a consumer that the identifies as information that resulted from identity theft, no later than 4 business days after receipt of the following : 1. Appropriate proof of identity to the consumer ; 2.The identification of such information by the consumer ; and 3. A statement by the consumer that the information is not information relating to any transaction by the consumer. It is now XX/XX/2022 and XXXX has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce and consumer credit in a manner that is fair and equitable to the consumer, with regards to confidentiality, accuracy, relevancy, and proper utilization of such information. If XXXX allows its business partnerships with these organizations to continue to violate my federally protected consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

This is a sworn affidavit of truth that companies herein have written off these debt with the irs for tax credit benefits therefore I demand tge immediate issue of irs form 1099 c and the immediate removal of these accounts from my consumer report failure to meet demand within 15 calander days will result in legal protection for all legal violations
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On XX/XX/XXXX I was laid off by XXXX XXXX Mortgage as a mortgage underwriter. I contacted PHH Mortgage ( my mortgage holder ) on XX/XX/XXXX and began the process for a loan Forbearance which is my right. I uploaded all required documents on XX/XX/XXXX except for proof of my income from unemployment. This was delayed as I had just been laid off. I then uploaded the final required proof of income on XXXX. I contacted PHH multiple times and logged on to their system almost daily to follow what is needed. I was then told they cancelled my application due to its incompleteness. This was their error as the final unemployment document was uploaded on XXXX. After several phone calls and e-mails they re-activated the application and sent notice of that on XX/XX/XXXX. It is XX/XX/XXXX and I am still waiting. I received a letter today ( only after I sent further correspondence requesting a status ) that states " The application is currently complete as of XX/XX/XXXX, and we do not require any additional documents at this time to evaluate the request for help. ". On attached correspondences it states " We will review the account for all possible mortgage assistance options. Under applicable law we are required to complete our review within 30 calendar days from the date we determined the package was complete.. '' - It is WELL over 30 days. Each and every verbal contact made has ended in my extreme frustration. The contact for XXXX is NOT the same company that underwrites, receives or reviews ANY of the documents uploaded so they have NO information but they continually ask for money and frustrate me beyond belief. I make them confirm the phone calls are recorded so that in the event I need to seek legal action they will show just how infuriating it was to deal with the contact people. They admittedly could never answer a single one of my questions and would not provide me with an underwriting contact. They are EXCELLENT at apologizing and telling you they will escalate. Nothing ever happens. I would love for the all the recordings to be reviewed. I have receipts of all uploads, e-mails and phone calls.
Consumer complaint received 2022-10-10
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-11-21
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. (IL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Consumer complaint received 2023-11-02
Product: Credit 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: M&T BANK CORPORATION (MD)

I went on vacation to XXXX in XX/XX/ with some of my friends. While we were there, looking for attractions to do in the area, I booked a tour of an XXXX farm, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$310.00} and scheduled it for XX/XX/XXXX. However when we arrived at the destination for the XXXX, it was an empty parking lot and not an actual farm. On top of that, I got no email or text message of anything about the tour or the location of the farm, and when I tried contacting the owner, which i attempted multiple times, he didn't respond or ever contact me further. I immediately contacted my bank, M & T about the scam charge and canceled my card. They said that they were gon na investigate the charge and issued me a credit. However, a few months later, on XX/XX/XXXX, the credit was taken back and they told me that they found nothing wrong with the transaction. After that, I scheduled an appointment in person with my bank and tried to dispute the investigation. A day later, the person I talked to called and said that they were unable to reopen the case. Afterwards, I tried multiple times to contact the owner of the XXXX farm, and after multiple days and phone calls I was finally able to. However, he said that he hadn't gotten the money back from the bank yet and that maybe it would come in at a later date. So I kept calling, and checking, left multiple voice mails and eventually he stopped responding and hasn't contacted me since. On XX/XX/XXXX, I went to my bank again and tried to get their help again and they said there was nothing they could do about it. However, they suggested filing a police report, so i put in a police report with the XXXX XXXX Police department. While filing the police report, I noticed that on the website for XXXX XXXX XXXX was different than the one originally listed that I had followed and that's listed for them on XXXX. However, I am incredibly dissatisfied with the lack of help from my bank for getting charged for a service I never received and never got contacted about.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Financial Solutions, LLC (AL)

On or about XX/XX/2021, debt was disputed and investigated by XXXX and removed from credit report. However, it has not been removed from XXXX credit report as agreed. 
It's was found to be fraudulent in nature and uncollectible.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (NC)

MERCEDES-BENZ FINANCIAL SVCS as servicer has reported a charge off to XXXX, XXXX and XXXX after me opting out. Charge off is a certificate of indebtedness which is income and income can not be reported on a consumer credit report. My non public information is just being thrown around by MERCEDES-BENZ FINANCIAL SVCS . I contacted MERCEDES-BENZ FINANCIAL SVCS several times in regards to a security I have mailed registered mail and an individual employed to that company confirmed receiving it. The loan was paid in full. It should not have been discharged but the books should of been balanced with me the consumer owing nothing, and i should be receiving my tender back for over payment. Then Transactions history is being showed and we know its not suppose to be. I sent my written instructions to legal and I added the Indentured Trustee XXXX XXXX XXXX to it because we all know that once the company receives an investors instructions that they have to get it to the correct person. and per the XXXX k XXXX k forms I believe XXXX is the correct person.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have tried to contact CSC Credit Services. 

There are inaccurate numbers on the internet, as well as with the Better Business Bureau. There are also no email addresses that I could find for this company. 

I called four of the numbers listed for the company on XX/XX/2023 ; XXXX answered the phone for two of those numbers. The consumer service clerk then proceeded to tell me that she does not have any contact information for CSC Credit Services. 

I checked with a credible source online. 

According to this website, CSC Credit Services is a part of XXXX. Yet, I can not find a working number for the company. XXXX will not give me a working number for the company.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (CA)

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-01-13
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (OR)

Can't remember the dates but wells Fargo had taken over {$300.00} that had overdran my account then they took an overdraft fee from my account when they were the ones that caused the overdraft!!!
Consumer complaint received 2022-04-16
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. (PA)

I submitted dispute requests asking Equifax to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX which appears on my Equifax credit file. I asked Equifax to furnish me with proof - contract or agreement bearing my signature- to help me determine if this account is fraudulent. 

Equifax did not investigate this account, nor have they provided me with contracts or agreements bearing my signature as it relates to this account. 

There is a fraud alert on my Equifax file and I am concerned that they are not properly investigating potential fraudulent accounts.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (AZ)

I have been receiving ongoing bills from XXXX XXXX XXXX since the beginning of XXXX and most recently I received a notification of collection from ARC Management company. This company also sent me another mail on XXXX XXXX and I sent them a registered mail back with a request to cease and desist. Despite my request they sent me another letter on XX/XX/XXXX. They are currently violating FDCPA regulations See 15 U.S.C 1692 ( c ). I visited this hospital in XXXX of XXXX. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me. Please let you client know to stop waisting time and resources on this case.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (FL)

Around XX/XX/year> I received a notification from my credit monitoring company that my credit score significantly dropped. Previous to this alert, I had a perfect credit score of XXXX. I'm in the middle of purchasing a home, so this drop in credit ( from XXXX to below XXXX ) impacted my interest rate, which will cost me hundreds of dollars per month in extra interest payments. 

I saw on my report that this was sent to collections from Pro-Collect on behalf of XXXX on XXXX XXXX  in XXXX, FL. However, I do not live in XXXX, FL and have not been there in years. I have never heard or lived in this community. I live in XXXX, have a business in XXXX and have a home that I have owned and lived in for more than 6 years, so the company incorrectly reported my information to collections. I attempted to call the apartment community and they informed me that they do not have any current or past leases in my name, however they refused to provide me with any more details and informed me that I needed to handle directly with Pro-Collect.

Unfortunately, when contacting Pro-Collect, they refused to help me. I informed them that my identity was stolen a few years ago, so I assume that this was due to this. I even informed them that even when filing taxes with the IRS, I have to provide a separate pin just to prove its me because when my identity was stolen, someone completed a false tax return under my name. Pro-Collect still did not want to assist, so this is why I am filing a complaint.

My goal is to make this complaint public as I have the long process of repairing my credit and working on proving that this indeed was identity theft.
Consumer complaint received 2023-01-19
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

It appears that all my mortgage payments have been going towards interest and not reducing my principal. This fraudulent practice has also occurred in the past and was rectified but it is now occurring again for 2022. Wells Fargo Home Mortgage is the financial institution. There has been no reduction in principal for greater than 9 months despite all mortgage payments being paid on time. I no longer have faith in the business practices and honest servicing of my loan with Wells Fargo Home Mortgage.
Consumer complaint received 2023-07-30
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXXXXXX XXXX XXXX Portfolio recovery / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXXXXXX XXXX XXXX XXXX XXXX  / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

PORTFOLIO RECOVERY XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

This is a complaint against the company " Venmo '' owned by Paypal. On XX/XX/2022, I tried to withdraw {$200.00} from my Venmo account. I saw a message on the app that my account had been suspended. I contacted support, and they would not tell me why my account was suspended. They would not let me withdraw any of my money. They said they would contact me within 2 weeks. I am looking for a resolution to this problem to get my money, as Venmo has no incentive to ever contact me.