davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have been trying to work with 5/3 Bank since XX/XX/2018. They really do not know what they are doing. They constantly call me and tell me one more document, one more document. Some of the documents are irrelevant. For example, I own the construction company, and they say my wife needs to sign the profit and loss when she has no ownership interest in the company at all. She just works as an employee and receives payroll. 
Real estate tax bill, when they are paying the escrow, they KNOW what the taxes are on the property Now they want my wifes paystubs and bank statements showing deposits WHEN it clearly shows on the income tax returns. I pay quarterly income taxes and do not per say issue her a paystub. This is an ENDLESS cycle. 
My mortgage is past due. I need help, not this game that they just keep calling for unneccessary paperwork and not help me. They have had all the documents for weeks, and can not make a decision. 
It is clearly evident by their requests that an inexpierenced person is working on my file, or they would not be asking for things that are NOT PERTINENT. 
It feels like they are doing everything and anything not to help or make a decision l
Consumer complaint received 2023-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account in Capital One 360 Performance Savings Account. 
On XXXX XXXX I made a Mobile Deposit into this account. I received A notice on that day stating the following : After an in-depth review of the check deposit ( XXXX ) you made on XX/XX/2023, into your account ending in XXXX, we believe there is an increased risk that the deposit may return based on confidential information that indicates that the check may not be paid. To protect you from this potential risk, we've decided to delay the availability of {$17000.00} until XX/XX/2023. 

However, as a result of this review, we noticed additional unusual activity and for your protection we restricted your account ( XXXX ). A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money.

The next E-Mail I received that day stated : We wanted to let you know that your check was successfully deposited, so you can go ahead and destroy your check. Here are the details of your deposit : Amount : {$17000.00} To : Performance Savings, XXXX Deposit Date : XX/XX/2023 Fully Available On : XX/XX/2023 Availability Details : {$17000.00} on XX/XX/2023 It is nowXX/XX/2023, XXXX  business days later, and my account is still restricted and I do not have access to this money. I have contacted Capital One various times by phone and E-Mail and I have not received any clear indication of the status of this account. 

XXXX XXXX XXXX : XXXX E-Mail : XXXX XXXX
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (MD)

According to the Federal Trade Commission, it is a federal offense for a credit reporting service to report information to my credit profile without my consent. Equifax credit reporting bureau has consistently violated these mandates and ignored my responses to reinvestigate and remove the alleged and inaccurate information they are reporting Federal law requires a response within 30 days. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

These actions constitute as unfair practices according to FTC 15 usc 1692A, by this organization which makes them civilly and criminally liable for their violations according to the FTC 15 usc 1611b. This organization has failed to comply and is in violation of 15 usc 1692 j ( a ) for furnishing deceptive forms, which again is unlawful. According to FTC 15 usc 1692j ( b ) this organization can be and is liable the same as the debt collector for failing to comply. This organization has failed to VALIDATE this alleged account, and instead have previously provided me with verification. My personal information such as my name and address are public records. A billing statement is also not VALIDATION. Equifax has not provided me with proper accurate validation from the debt collector nor of how they VALIDATED this account, or any information that would prove that i owe this alleged debt.

FCRA Act Section 611, gives me the right to request an explanation of the validation method used by the CRA. in which I request a copy under the FACTA act, SEC 312 ( b ) and ( c ).

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. 

I will exercise my rights under FRCA, Section 616, and pursue legal action if this account is not removed from my credit profile immediately.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (MD)

Please note, I have reviewed my entire account and payment history to date, and it seems Ditech have overcharged my mortgage account and made several fraudulent adjustments to my account on several occasions ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time Ditech charged me an additional {$2000.00} instead of refunding the original {$2000.00} that was supposed to be credited to my account per the letter from Ditech general counsel. 

After combing through my account several times, the balance owed to me is {$6500.00}. 

Attached are copies of all calculations supporting the balance of {$6500.00} that is owed to me, plus supporting comments of Ditech fraudulent mortgage lender practices.
Consumer complaint received 2022-12-14
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Applied for XXXX on XX/XX/2022 Received notice from Fedloans on XX/XX/2022 that my LOANS ARE BEING TRANSFERRED for XXXX XXXX XXXX XXXX XXXX with XXXX on XXXX and XXXX just to be sure I had everything right. Was told all was good and to just wait patiently. I was to do nothing further. NOTHING Was then told on XX/XX/2022 That I was supposed to initiate the transfer since some of my loans were private and needed consolidation. Basically tough luck you missed the deadline. 
I have well over XXXX payments and have been working in The public service field for XXXX years. 

I am sickened that the professionals that I called for help gave me false information, which in turn caused me to miss out on this opportunity.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

To Whom It May Concern, On XX/XX/XXXX, a closing disclosure was signed for the property located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. During that time, the Lender ( Originator XXXX XXXX XXXX ) collected {$4600.00} as the initial escrow payment at closing for Homeowners Insurance and Property Taxes. Please see the attached documents. The loan was sold to Mr. Cooper and servicing rights transferred to loan number XXXX. 

On XX/XX/XXXX, the aforementioned property was sold, and the mortgage was satisfied. However, the amount of refunded escrow was incorrect. Once I inquired about the issue with the Servicer ( Mr. Cooper ), it was discovered that XXXX XXXX XXXX never sent the initial escrow funding of {$4600.00} resulting in a negative escrow balance once taxes were paid. The representative I spoke with at Mr. Cooper is XXXX XXXX, Escalations Specialist, XXXX. She confirmed that XXXX XXXX XXXX did not send the money collected at closing. She also provided the two attached files. You will see the amounts were not deposited to my account from the Closing Disclosure where it was collected per the transaction summary. 

XXXX XXXX has made several attempts to contact XXXX XXXX XXXX and has spoken with XXXX XXXX and XXXX XXXX. However, she has stated that they have been uncooperative and unresponsive.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

Upon diligent review of my credit file, I've noticed XXXX XXXX XXXX Account XXXX is illegally reporting to my credit file. According the IRS a charge off is taxable event and therefore is considered income and should not be reporting to my credit file. Furthermore, a charge is a certificate of indebtedness and should not be reporting to my credit file. We are NOT questioning or requesting account verification with the data furnisher. I, XXXX XXXX XXXX a federally protected consumer hereby REVOKE, CANCEL and OPT OUT of ANY and ALL authorizations I may have given  XXXX XXXX XXXX, written, unwritten, verbal and non-verbal per 15 usc 6802. As well as per 15 usc 1681 permissible purpose. Please note on the credit file XXXX XXXX continues to report despite selling the account to another company. Further furnishing of my non-public personal information is a continued violation of my Federally protected rights which will result in arbitration.
Consumer complaint received 2023-05-20
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-08
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. (TX)

hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (NC)

My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX County. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.
Consumer complaint received 2020-02-08
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. (TX)

hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts
Consumer complaint received 2021-10-15
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. (CO)

My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

My monthly mortgage payment is XXXX. For this XXXX payment, Freedom Mortgage processed the payment twice i.e. they withdrew twice ( electronically ) the monthly payment from my checking account at XXXX : once on XX/XX/XXXX and another on XX/XX/XXXX XXXX please see the attachment ). I called on XX/XX/XXXX to ask for a refund they said it will take 2-3 business for the refund to be deposited back in my bank account if I can prove that two payments were made, although their own website was showing two payments. On the same day ( XX/XX/XXXX ) I emailed them my bank statement showing running balances including the two payments ( see attachment ). 

The main problem is : 1- Until today XXXX, I have not have not received the payment although their website indicates that I was issued a refund. 

Lesser problems : 1- Their website shows an escrow refund, which is not correct. The escrow account is for tax and insurance payments and had nothing to do with the case. It was never an issue or discussed or a problem. It is unclear why the say it is an escrow refund 2- They never applied the additional payment anywhere. The money just vanished. Normally it should apply to principle or next month. This is issue is moot if a refund is processed and I receive the money back. 

Additional information about the quality of their response/ ; Their customer care was not helpful. I had to make several calls on XX/XX/XXXX. On the 1st call, the representative did not have an answer for why the refund was not issued yet. She had to reach out to another team. After waiting for more than 25 minutes on the 1st call, I was disconnected by the representative. No attempt was made to reach me afterwards. I called again, and the next representative had a different story : she said that it will take up to 18 days for the refund to be issued. When I asked why so long for the refund when the withdrawal took less than one day? she had no answer. I told her that I will report this to the CFPB and to the XXXX XXXX XXXX, she became belligerent and accused me of not hearing properly and misrepresenting what she said and kept interrupting me then hung up.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX is reporting a charge-off as having a payment due date of XX/XX/2024 how is this possible? I want clarification across all three credit bureaus and the CFPB to actually back me up when it comes to consumers rights and accurate reporting.
Consumer complaint received 2017-05-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (TX)

Continued attempts to collect debt not owed. The original creditor states that my complaint does not belong to them. I never received prior written notification of this debt giving me a right to dispute this debt. I have reason to believe that this debt is tied to an address I never lived at. The law states that you must report accurate information and give me written notification in which you did not do. I never received written notification because you do not have a valid and accurate address for me.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (MA)

This company " premium asset services '' refused to identify themselves when I returned a phone call after being hung up on by an employee who called my business number to verify who i was and hung up chuckling. When I called back to try to identify this " company '' and validate the reason for the call, another employee told me it was not his responsibility to inform me of the company name or matter, just that they were moving forward with the precedings and again hung up on me. I called back again and spoke to the " executive director '' who said he did n't want to argue the semantics of debt collection with me and rudely asked " if I was going to pay or not '' to which i said No. I tried explaining that I want proof of this debt and he said they have previously sent notifications. Not once did they notify me that " this is an attempt to collect a debt and any information obtained will be used for that purpose '', a phrase I know needs to be used in my state of Massachusetts under the FDCPA. They used language suggesting that they would " sue us '' if not resolved today. I have never dealt with such a bullish, unprofessional, and aggressive group. My wife stopped answering harassing phone calls from one employee because he would say things like " I do n't know what you are so afraid of? '' We have phone records of up to 4 phone calls in a single day, also against the massachusetts FDCPA. When asked to identify themselves when you do answer the phone they just repeat can i speak to " your name ''. If you ask what this call is regarding they ask if they are speaking to you. Upon finally talking to the executive director, he calmly talked to me and said " ill be honest with you, there is n't enough debt here to take you to court '', even though his colleague informed me that they were " moving forward with precedings '', another infraction. I agreed to pay the debt upon validation, and he wanted me to give him my credit card today for a future withdrawal to secure our arrangement. to which i said absolutely not, and he told me to get a prepaid card and call him back with it. I am writing this in the hopes that others do not have to deal with this type of harassment from such an unprofessional " company ''.
Consumer complaint received 2020-09-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...