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: Mr. Cooper Group Inc. (TX)

The escrow company for my MR. Cooper loan paid for homeowner 's insurance for this property in XXXX of XXXX and again in XXXX of XXXX Homeowner 's insurance is a 1 year policy so it appears they either purchased 2 policies or at the very least overpaid for homeowners insurance. This has caused my payment to increase significantly and they are now keeping enough escrow every month to pay for 2 insurance policies. I tried to contact them to find out if this was in error or if something else had occurred. I also wanted to know if any refund was given for one of the policies since 2 are not needed and if my account could be reanalyzed since i feel they are holding too much money out for escrow due to this possible oversight. No matter what buttons i pushed on their automated system I could never speak with a human and none of their automated options dealt with this specific issue, finally the automated system hung up on me. I have also tried through their help center to find out what is going on, with no success. I feel they are definitely breaking the 2 months residual allowed to be held in escrow law. Maybe not intentionally, but it would be nice to be able to speak with a person, especially since they can just charge me at will and purchase forced insurance if i don't pay the demanded amount.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have requested three times for Experian to verify through the physical verification of the original signed consumer contract and three times the response from Experian has been that the data furnisher has verified the accuracy of the disputed information. 
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), does not say that data furnisher has to verify the accuracy of the disputed information. The law says, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on my credit report. 
As of today you have not provided me with a copy of the original signed consumer contract. The law is very clear if you can not provide me with a copy of the original signed consumer contract the information must be deleted from my credit report. 
This is my forth request that Experian provide me with the requested consumer contract or delete the information. 
I am demanding that Experian comply with The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and  delete the following accounts from my credit report : 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX Experian is in violation of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).
Consumer complaint received 2021-11-13
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 — Problem with personal statement of dispute
Company: Security Credit Services, LLC (CT)

I submitted a letter to Security Credit Services to validate a debt that they are reporting on my credit, as owing them. In the letter, I explicitly stated that it wasn't a denial of payment, but to validate that the information that they were reporting was indeed accurate and valid. I requested copies of the original contract, which they provided in a response letter from XX/XX/2021, but also copies of all accounting from their client, showing any and all payments which derived them at the alleged amount they state I owe. This concrete information would show the validity of the account, as well as copies of their licenses to collect in my state of residence. Neither of these pieces of information were provided, not to mention the fact that once this account was in dispute they were supposed to update with the credit bureaus the fact that the account was in dispute, a violation of the FCRA. While the letter states they ( Security Credit Services ) are allowed to report information, once an account is in dispute it's supposed to be reported as such. I never asked them to alter anything concerning the account, but once disputed this information should have been reported as in dispute immediately. This they did not do, nor did Security Credit Services report the dispute with the major credit bureaus. All information they admitted to in their response letter to me. I then sent a response letter yesterday ( XX/XX/2021 ) stating that I would be continuing my dispute due to these issue and errors and want to make a complaint due to unfair credit reporting and practices on the part of Security Credit Services.
Consumer complaint received 2019-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BERKSHIRE HILLS BANCORP, INC (MA)

We have a mortgage loan with Berkshire Bank in MA. 

The loan was underwritten in XX/XX/2018 for a single condo that we own which is in a condo trust with a total of 3 units. 

The Bank has asked for Master Insurance folder on XXXX. We sent them on XX/XX/XXXX the most recent folder from the Insurer. We have a written response back from the Bank stating that they received the folder. 

However, in the last two months they have increased our escrow amount due to missing master insurance. I have talked to the Bank three times now and to the person who has received the folder twice. 

They still could not fix it in their systems and we look like we are behind our mortgage because of the arbitrary increase in the escrow account the bank imposed.
Consumer complaint received 2021-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

greetings, this is the second complaint against this company Mortgage Solutions of Colorado, the first one got resolved because I wrote a complaint to the CFPB for help. Now, I had a water claim that was resolved asap by my homeowner insurance XXXX by the way which is excellent at handling my claim fast due to my health condition being a XXXXXXXX XXXX and they also knew that I am going out of the country. So XXXX XXXX XXXX from XXXX the claim examiner got my claim resolved fast and I received the check within three days when they told me that it would take 5 to 10 days, so happy for the way XXXX handle my claim. 
Now, before I got the check I called mortgage solutions to let them know that I will be sending a check that I will need asap to be endorsed and sent back to me please because I have an emergency and that I have the workers ready to start work asap. I also told them that I can not be going back and forth upstairs using the bathroom due to my XXXX XXXX and XXXX, that bathroom in my master bathroom was built by the VA for me with the HISA grant after I purchase the property, it unfortunate ii had a major leak and I paid to fix for the leak out of my pocket to stop any further damages which are why also I got my claim resolved in such a smooth manner. 
I spoke with an agent by the name of XXXX, she was very kind and professional she gave me all the information that was needed to get the check endorsed and get it back within two days. she told me that not to sign the check-in the front of the check find any blank place and write this following tracking number XXXX and she also provided me with the address to send the check. On Monday, XX/XX/2021 I sent the check via XXXX overnight in the amount of {$50.00} and they received it on XX/XX/XXXX at XXXX XXXX  and it was signed by XXXX XXXX. now the two days I should have received the check back on the XX/XX/XXXX but since it was veterans day ok, it should have been Friday, XX/XX/XXXX, or Saturday, XX/XX/XXXX which is the date that I am writing the complaint. 
I have made numerous calls were on Wednesday, XX/XX/XXXX I spoke with a supervisor that told me that I should receive the check endorsed the following day, I called on Friday four times and spoke with four different agents and one supervisor and they said that they are waiting for the corporate office to approve the check, but when I call the corporate office they said that they don't have it and it has nothing to do with them. 
I will like to know why a mortgage company is making it so difficult when the insurance companies are usually the ones that make it hard for homeowners, I don't know why this company does that to the military family it is shamed and unjust and just sad. They have so much company involved with a check that it doesn't make any sense, I sent the check to the money source, then the supervisor says thank you for reaching out to the citizens. wow, I just don't know CFPB please help.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I stated to a rep that the account dated XX/XX/XXXX for the amount of {$310.00} did not belong to me.The rep stated to I that he will have his supervisor remove these false information from my credit report.I checked my report XX/XX/XXXX and still see incorrect information being reported. As stated 15 U.S.C. 1681 any false information must be removed immediately
Consumer complaint received 2022-05-19
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. (PA)

Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valentine and Kebartas, Inc. (MI)

Regarding Valentine and Kebartas - https : //valentineandkebartas.com/ : XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX - Continually calling. They are asking for a XXXX XXXX. I am not him, I do not know him, he is no friend or relative of mine. 

I have repeatedly told them this. They claim to " take me of their call list '' but the calls continue. 

I suspect this is a disgruntled customer who is using my phone number to stop the collection calls on his end. 

This seems to be a common complaint for this company if you do a simple XXXX search and look at the reviews.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I had called Citi credit card services on XX/XX/2021 to convert my Citi Prestige card to Citi XXXX card before my annual fee is due for renewal on XX/XX/2021. During the call, I was assured by the customer service representative that my annual fees for the Prestige card would not need to be paid and if I was charged with the fee, I could call and have it refunded back to me. The product change from XXXX to Rewards+ was completed and the agent said that the new cards would be sent to me. 

XXXX XXXX, I had received the Rewards+ cards and activated them. The XXXX XXXX account was now showing closed on my Accounts Summary page. 

XX/XX/2021, my statement on the Rewards+ card closed and a Membership fee of {$490.00} and two authorized user fees of {$75.00} each was charged to my statement, a total of {$640.00}. 

XX/XX/2021, I called Citi Credit Card services and explained to them that I was charged an annual fee for the Citi Prestige card when my account was already product changed to the Rewards+ card which does not have an annual fee. The agent explained that the fee should not have happened and the agent would create an dispute for me to credit the fee back to my account. 

XX/XX/2021, I saw that the fee of {$490.00} was credited back to my account but the fee for the XXXX authorized users of {$75.00} each, a total of {$150.00} was not credited back. The Rewards+ card does not have an annual fee for authorized users and this fee was from the Citi XXXX account that was already closed. I called back to Citi credit card XXXX and explained the situation. After being placed on hold, the agent informed me that the authorized user fees was non-refundable. I explained to the agent that the fee hit my account for the product, " XXXX '', that was already closed back in XXXX. The fee hit my account in XX/XX/XXXX, after the account was already closed. I asked the agent to close the XXXX authorized user accounts and the agent still explained that the fee would not be refunded regardless of what I do. This does not make sense to me since I product changed my account in XXXX before my annual renewal in XXXX. The XXXX account was already closed before the statement date.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (FL)

I am the living man, executor, beneficiary of. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid this credit reporting agency has not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite thXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Credit agencies are reporting incorrect scores and inaccurate information. I paid a loan OFF and paid my credit card balances down. My credit utilization should be less then what it was. They need to update scores and reports. Its impossible for a score to drop XXXX points when I paid a loan OFF.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

Filed a complaint before only for you guys to close complaint cause the credit company sage stream reached out one time leaving a message for it basically end in same results .. I even filed online to receive my report ( got the info that says it was accepted ) ( screen shot ) and still nothing so what the excuse now? .. also still cant ever reach a person on the phone from sun up to sun down its automatically sends you to a voicemail that promises to get back to you in 24 hours ( nothing ) .. this is a is beyond baffling to me to receive a report and to place a freeze I have never been through any of this with other credit agencies and you allow this company to run ( something isnt right )
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DIGITAL FEDERAL CREDIT UNION (MI)

I am writing to address the recent unlawful repossession of my vehicle by Digital Federal Credit Union. It has come to my attention that this action violates my federally protected consumer rights, particularly given the lack of a clear and clean title for the vehicle in question.Upon thorough investigation, I have discovered that there were pre-existing liens on the vehicle prior to my financing agreement with the credit union. This crucial information, verified through a forensic audit, grants me bona fide purchaser rights, which should have been respected by Digital Federal Credit Union.Furthermore, I am deeply concerned about the fraudulent transfer of the vehicle title, which I suspect was done unlawfully. Therefore, I am formally revoking any power of attorney granted to the credit union in this matter.Additionally, I request immediate access to the credit union 's bylaws and the certificate of ineptness, as well as a clear title search to ascertain the authenticity of the title transfer process.Furthermore, I have not received my IRS Copy B after the filing of the 1099C, and it is evident that the debt has been charged off without proper communication or adherence to legal protocols.I assert my rights to redemption, especially considering that the vehicle repossession still negatively impacts my credit report.I demand prompt action to rectify this situation and restore my rights as a consumer. Failure to comply will result in further legal action.Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I mailed certified registered letters to ARS asking for a DEBT VALIDATION letter for all the accounts that show on my credit report with all three credit bureaus. 
ARS in turn sent me VERIFICATION letters that contain medical account numbers that are attached to medical/healthcare facilities and has my name attached to them as well. This is a direct violation of HIPPA regulations including but not limited to the 18 HIPPA Identifiers. I never signed a HIPPA form authorizing them ( ARS ) to have this information.

I am attaching the letters I sent ARS and the responses they sent me in this complaint. 

Thank you XXXX XXXX
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (PA)

I started repairing my credit, and had 2 negative items removed from my XXXX report and 2 days later my credit limit was reduced. And they raised the late fee, although my account has never been late. I have been asking for an increase for over a year. I have excellent payment history and held the Pink Gold status with my card. They have caused damage to my credit report for absolutely no reason. I wasnt late I pay before the due date in most cases. And for this company to cause malicious damage to my credit report is unacceptable.
Consumer complaint received 2022-10-13
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-11-13
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. (SC)

XX/XX/2021, I received a investigation letter and a updated consumer credit report from Transunion. The investigation for XXXX XXXX XXXX  states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX XXXX  is a CHARGE OFF account. A CHARGE OFF SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Account Number : XXXX*** ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account XXXX : XXXX