davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I applied for a refinance mortgage at Rocket Mortgage XXXX/XXXX/2021. After speaking to a representative I was advised to fax bank statements and income documents. I told them taht it was too many documents to fax. I was given a street address to send the documents now they can not find them. I sent the documents via XXXX and they were received by Rocket Mortgage. XXXX/XXXX/2021.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

I had looked on to my XXXX XXXX sometime late XXXX. I noticed I had XXXX account on my collections. I contacted the number that showed up in the collections which I kept getting transferred to a third party called IC system which they demand I provide my information to them to so they can verify. At first I wasnt sure if it was an XXXX cable account that was linked to my home address. I provided my SSN, D.O.B MY home address and debit card number which I later found out they tried to set up a payment plan to get the unknown debt collected. When I called twice they verified that it was actually a Mobile phone which I expressed to them I am not aware of that account. It was a lot of going back and forth with XXXX XXXX debt collector as they do not care who this account belong to even if it is Identify theft.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

XXXX. Received a notice from Convergent Outsourcing regarding an amount owed to Florida Power and Light of {$760.00}. 
XXXX. XXXX XXXX called Convergent on XX/XX/2021 to explain that they had the wrong person ; that we have never had an account with Florida XXXXower and Light, and that they should be going after the right individual. 
XXXX. XXXX XXXX asked the representative for the social security number of the individual to see if it matched XXXX XXXX XXXX social. 
XXXX. The rep would not supply any of the numbers for confirmation and insisted we supply the social security number of XXXX XXXX. 
XXXX. XXXX XXXX would not supply since we did not know who we were talking to and what would happen to this information. 
XXXX. XXXX said the call was over since I would not supply the info SHE wanted. 
XXXX. So no resolution to the problem. 
XXXX. Tried to call Florida Power and Light, but met with frustration as they had no real person to speak to, even though this was obvious fraud.
Consumer complaint received 2024-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (AZ)

On XX/XX/year> I received an email for XXXX XXXXXXXX, they said I wasn't in compliance for my address. I'm homeless and this is a source of income for me. I gave them my XXXX XXXX XXXX as well the coordinates where I currently stay, to be asked to provide them with an address I didn't live at or belong to which to me is telling me to commit fraud. I've called in and requested a supervisor since the agent didn't help me, the agent then proceeded to hang up on me, called again for a total of XXXX time to be hung up on when asking for a supervisor, they tell me to reply to the email. I have replied over XXXX times to and have not received any communication from their compliance office.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent a complaint letter to Equifax Credit Bureau Last time, and I have not received any response up to this date. On the other hand, the inaccuracies about my Inquiry are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : AA/CBNA Date of inquiry XX/XX/2021
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Received a letter from CAINE & WEINER attempting to collect a debt for XXXX. 
I responded in a reasonable time frame disputing the alleged debt. I also sent a cease and desist along with a invoice as violation to 15 U.S.C. Were found. 
CAINE & WEINER did not acknowledge the cease and desist or invoice. 
Weeks later I received another letter stating that the alleged debt was verified. 
Only I as the consumer can verify an alleged debt which in this case I did not. 
Violations are as follows : 15 U.S.C 1692c- CAINE & WEINER did not have my consent to contact me 15 U.S.C 1692b ( 1 ) -Stated that I owed debt 15 U.S.C. 1692f ( 8 ) -CAINE & WEINER on mailing envelope 15 U.S.C 1692k- Civility liable
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (VA)

When I was contacted by a representative for this company back XXXX of XXXX  I made it clear to him I would be disputing this debt and to only contact me by mail. They have repeatedly called a few times left voice mails I saved and I told them again only contact me by mail in early XXXX and again repeated calls.i even confirmed it was put in their system do not call me. They confirmed it had been and couldn't give me the explanation of why the nuisance repeated calls and voice mails. They do say they record all phone calls for quality insurance it's no reason they can not provide records.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

XX/XX/XXXX, XXXX I had credit freezes with all three Credit Reporting Agencies in place since as an XXXX year old I don't normally apply for any new credit. I was switching XXXX XXXX providers and they needed to run a credit check. 
When I tried to sign on with each XXXX XXXX they made me change my existing passwords ; then they each steered me to a website page that tried to upsell me to a higher level of constant credit monitoring. Nowhere on the page was there a box for freezing or unfreezing my account, nor was there a query search box available. 

Finally, I did an internet search and saw that XXXXXXXX XXXX had information on how to lift a freeze with credit agencies and provided links. I was able to temporarily lift the freezes with XXXX and Experion. XXXX was the worst. They couldn't identify my account using my user name or email address, gave me a phone number, where a computer asked me a dozen related, multiple choice credit usage questions. Then the computer said I would have to mail in or fax the request for a temporary unfreeze. 

Total time, over XXXX hours and still don't have the temp unfreeze from XXXX. 

By placing an upsell page XXXX on their website, I am sure many inadvertently are signed up for their more expensive services. The FREE services should be prominently shown on all their web pages and the Freezing, Unfreezing service easily found. 

Thanks
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (NJ)

I had an account with AFFIRM INC who is trying to collect on an alleged debt that is not mine. AFFIRM INC purchased my promissory note which payed off my debt to the bank, and is now saying I owe a debt, which is a violation of federal law XXXX XXXX XXXX. AFFIRM INC is also reporting my account XXXX days past due and is threatening to sell my information to a third party without my written consent which is a direct violation under XXXX and XXXX I am invoking my specified remedy as a consumer demanding that AFFIRM INC delete said account and stop and remove all negative reporting to
Consumer complaint received 2023-12-02
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. (FL)

Ive requested transunion XXXX and XXXX to remove accounts that I wasnt aware of, theres XXXX credit cards and collection on my credit report that Im not aware of. Ive already put in a dispute
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

To whom it may concern ; Can you assist? In XXXX ( XXXX ) I was notified of a mortgage increase of ~ {$300.00}, going from {$1600.00} to {$1900.00} beginning XXXX. When I inquired, i was told it was based on escrow prediction to compensate for XXXX Tax and insurance payments. The predicted difference equates to ~ {$3600.00}, which the increased the monthly mortgage payment without giving me an option to make up the difference. 
I request to pay the difference lump sum to prevent me from having a hardship making the monthly payments. They refused and said it was not an option, and that all I could do was pay a shortage amount of {$1500.00}, and my monthly would only be adjusted to {$1800.00}. I pleaded with Freedom and explained the monthly increase would create a hardship, and I could pay the full amount of the projected monies to compensate for the predicts and maintain my manageable monthly mortgage of ~ {$1600.00}. They refused. 
I sent the {$3600.00} ( XXXX ) to escrow of which they added to my account on XXXX they initiated an escrow refund ( see XXXX ). It is apparent that Freedom is not interested in working with me for there payment, however it is apparent they are creating a hardship for which I could lose my home. 
Can you assist? If they have the monies to compensate for their predictions, and keep my monthly payments manageable, why not unless this is considered a predatory action to force the loss of my home. 
Please assist. 


Re XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/22 I completed an online mortgage application with Bank of America and spoke to a mortgage lender named XXXX who discussed mortgage options with me. I then received several notices that there was a new inquiry on my credit report from XXXX as an individual consumer inquiry. I never applied or agreed to have my credit run for any consumer loan. I initiated my mortgage process on XX/XX/22 and are within the 30 days allowed to ship for mortgages without it negatively impacting your credit. I contacted Bank of America again and they said Id need to dispute weight the credit bureaus however from prior attempts I am aware that the company that ran your credit is required to request the inquiry be removed. Bank of American fraudulently pulled my credit report and is now not attempting to remedy their mistake. Id like them to be required to have it removed from all XXXX bureaus immediately.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc. (OR)

Affiliate mortgage services Inc. is my loan servicer. This is the second time in two years they have automatically withdrawn my mortgage payment twice in one week from my bank account thereby overdrawing my bank account and my savings account. This is not the first time this is happened. This is the second time they have double withdrawn my mortgage payment.
Consumer complaint received 2022-02-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXX XXXX where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On both XX/XX/XXXX and XX/XX/XXXX my certified mail letters were received by XXXX letting them know that my report contained errors. I wrote to them saying that these accounts needed to be removed from my credit report if they were not accurate. I have been struggling to have this inaccurate and false and misleading information removed from my consumer credit report. From my understanding of the law, my personal and private information should not be furnished without my written permission which is a violation of 1681 ( e ). Also there are clear mistakes all over my report even after letting it be known to transunion which is a violation of 1681 ( e ) ( b ). I can not be approved for anything! This has been ongoing for months and ruining my quality of life! ALL INACCURATE accounts and information MUST be removed. They are NOT the same across ALL THREE reports.
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Judgement was filed XX/XX/XXXX stating that my loan was in default as of XX/XX/XXXX. Rushmore states that the loan was in default as of XX/XX/XXXX. I entered in to 4 different modification plans I made the payments for the modifications. Despite repeated requests from the 4 Services the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and of the referee to verify the balance due I never received anything. I sent over 23 letters requesting an account verification of payments and of the amount due. In the Judgement it states the balance is {$120000.00} with a default date of XX/XX/XXXX. All the legal documents and the affirmations state the amount due as of XX/XX/XXXX is {$120000.00} and that it is accurate by penalty of perjury. accurate. They also feel that they do NOT have to give an acccounting of the payments because I had a Bankruptcy discharge and do not owe the money. 
This is yet again another example of how poorly they keep records and how inaccurate their information is. First I supposedly had the debt discharged in XXXX of XXXX and again in XXXX of XXXX. I NEVER HAD A BANKRUPTCY DISCHARGE the bankruptcy case I filed was DISMISSED NOT DISCHARGED perhaps they should have better training to understand the difference. Up until recently, I could not verify any payments because what I was repeatedly sent was so small no one could read it. They admit receiving one payment, yet I have provided a copy of a check for {$2500.00} for payment on the modification. I have sent copies of electronic withdrawals from my bank account for the payments that are CLEARLY REFLECTED AS CASH PAYMENTS ON THE LEDGER. Yet they still claim no payments were received. A CANCELLED CHECK IS INCLUDED AGAIN FOR 2 OF THE PAYMENTS But they will IGNORE IT and say I have no proof despite the funds for all payments clearly shown going to my loan from my bank. PURE DISCRIMINATION AND FRAUD
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MS)

I am filing this complaint because I am providing additional information regarding XXXX accounts that is showing up inaccurate in my consumer reports. DO NOT MARK MY COMPLAINT AS FRIVOLOUS. I HAVE ADDITIONAL CONTEXT ATTACHED BELOW. The company is NELNET and I have disputed with them multiple times about unresolved issues in my consumer reports with XXXX, XXXX, and XXXX. I have disputed with the CRAs regarding this matter and each of the XXXX accounts continuously comeback " verified '' instead of corrected. The company does not see it as an issue, and I have provided more than enough evidence to show that it is. This company is not updating the consumer reporting agencies with the correct information as the FCRA requires leaving my credit worthiness damaged, inaccuracies unresolved, and my proof of claim overlooked. It was stated by NELNET that NELNET 's system had correct information, I am not denying that, but I was trying to direct their attention to the fact that my reports contradict their statement per the payment history information the CRAs are providing me with from each CRA. My factual points are being regarded as irrelevant and even said to have no basis. I believe their claim to be statutorily inaccurate and in violation of the FCRA. I was told to file a complaint regarding the issue only when I have additional information regarding the account, and I recall when the CFPB prohibited Furnishers from demanding such things. The furnisher already has efficient evidence given to them directly from the consumer reporting agency 's websites and not pulled from a third-party credit report provide by companies like XXXX XXXX '. I have provided them evidence from the source of whom they furnished the information with, and they have still denied my claims that the accounts are reflecting inaccurately. Within the evidence I provided, it contained the erroneous information highlighted, circled, with supporting facts direct from the CFPB and even the FCRA statutes that supported such yet they still seem to be turning a XXXXXXXX XXXX to the current issues.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I was a customer of BMO HARRIS BANK, and my account had a positive balance and at the time, I was a server, so there was always cash deposits being made if it was to ever reach a low balance, I would make sure any bills were paid and covered. My account was compromised in 2018 while I was at work, having had my XXXX being hacked, so I went through data and financial loss. I had no idea what the extent was, but I do know that that BMO locked me out of my account and then had some activity on it post that I was not aware of. I reached out several times and wondered how and why this could happen, if I was locked out of my device and when I logged in on my computer I saw the activity. I could not dispute it, or even reach personal that could help me and I was devastated and took a loss on my credit, my bank account and financial security. I dont know why this happened and it has been something I wish I could have had a resolution to sooner. And so here I am now, years later, knowing more about how to protect my device and financial security. But I am beyond dissatisfied and disappointed with how BMO handled this. They locked me out of my account and funds, and then did nothing but say there was activity on it that was deemed fraudulent and my account had a balance. I was not able to file a dispute a claim anything and it was the most trauamautic financial thing I had to deal with since. Because since then Ive felt like I was that criminal who actually gained access to my account and locked me out and had BMO treat me like I was the one benefiting from that and that was not the case. I hope this gets to the right team and is addressed, because if BMO failed to have my back on app security at the time, and I had Face ID and would always change my passwords if I felt my phone or app was potentially at risk from something that appeared on my phone or a random pop up showed upto say this incident truly had a negative effect on me is an understatement.
Consumer complaint received 2022-02-04
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. (CA)

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )
Consumer complaint received 2022-02-04
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. (FL)

Someone has used my information to fraudulently apply for credit cards and other accounts under my name. I need all those accounts permanently blocked and removed from my credit reports. I'm a victim of identity theft and place an extended fraud alert on my consumer credit files
Consumer complaint received 2021-11-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I met a woman online and she indicated that she was traveling to XXXX to assist in the treatment of COVID-19 patients. 
After various text, she informed me that since she did not have a business visa, they could not pay her through their payroll, but they can make payments to a US credit card on her behalf. 
She asked me wether she.can pay the outstanding balance of a secure. 
Credit card I had with TD Bank NA. 
The she started paying my outstanding nance and asked me to return the money she paid to her via gift cards. 
I did not see wrong with that since she was m Paying the outstanding balance on the card. 
The bank subsequently reverse all those payment a dhargex my card with. Approx {$43000.00} six weeks later. 

I feel that I am not responsible for any payments made by the bank after 3 days since the payments were. Made. 

Respectfully Subpmitted, XXXX XXXX XXXX
Consumer complaint received 2022-02-04
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. (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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX