davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CENTENNIAL MORTGAGE CORP (IN)

First Centennial Mortgage claims that my loan was set up with an Escrow shortage from the get go. Initially I was informed that my homestead exemption was missing. I obtained the exemption from XXXX XXXX  and sent to First Centennial. I requested they perform a new escrow analysis. First Centennial is looking to raise my monthly payment by {$50.00} per month. They are also now not applying my payment correctly and are charging me late charges. Ultimately, they informed me that my homeowners insurance rate has gone up {$70.00} and that my taxes have gone up, this paired with the initial shortage make it that my monthly payment needs to go up. I have asked that they perform a re-analysis and send it to me. They claim they have, I have yet to receive it. I should not be charged late charges, nor should I have to pay and extra {$50.00} per month. I have reached out to my initial mortgage agent to. They have not been responsive either. I am being bullied into expanding my monthly payment and I should not have to. The numbers do not add up for me.
Consumer complaint received 2021-08-24
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage has been an absolute nightmare. First we are holding for extremely long times on the phone to even speak with a customer service agent. Every time I speak with one my husband and I get a very different story. Several agents have even stated that they don't know what is going on with our account. This company continues to take funds from our bank account in error and then take 8-9 days to put it back. We have been dealing with then since they purchased our account from another Mortgage Company. We have never been late or had issues until Freedom Mortgage took our account. We have spoken with several agents and they are are listed here forth : XXXX - XXXX XXXX on XX/XX/21. Requested out funds of {$1900.00} to be returned to our account immediately because we paid the payment by phone on XX/XX/21 and then they turned around and took an auto-draft, XXXX. This was after we cancelled auto-draft. Then even though we can see both payments Freedom states they have to wait to see it it clears or not. We have since spoken with XXXX XXXX, on XX/XX/21 and then XXXX XXXX on XX/XX/21 and then XXXX XXXX on XX/XX/21 and XXXX the XXXX XXXX on XX/XX/21 @ XXXX, only for him to tell us the funds went to the incorrect account. How does that happen? You take the money from an account via XXXX and then when they put them back they go to the wrong account. They actually stated the last number of our account was changed from a 6 ( six ) to a three ( 3 ). as of yesterday we spoke with XXXX XXXX and he stated the funds were returned and auto-draft cancelled. Now today XX/XX/21 they have once again removed monies from our account. I don't understand how they can continue to lie, and steal. I need some help getting them to do the right thing. This company had a class action lawsuit again them and they should not be allowed to do business anymore. We didn't choose them, they bought our loan and now we are stuck.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was benefiting from a program called the bi-weekly mortgage program with my previous servicer AmeriHome Mortgage from XXXX until XXXX. The main benefit is to cut short my repayment plan so I can own my home sooner, saving me in interest. My loan was sold and transferred to XXXX XXXX I believe at the end of XXXX. Because my loan was sold to XXXX XXXX, my participation in the bi-weely mortgage program was disrupted and I was unaware and was not notified that I was no longer in it. I called customer service and they told me that I could continue in the program but I would need to submit additional paperwork in the mail. I never received the paperwork to do so. Now as of XX/XX/XXXX, my loan was sold and transferred to PHH Mortgage. I called them and asked if they had such a bi-weely mortgage program. They said they no longer offered it and was discontinued some time ago. 

My issue is that people such as myself who were benefiting from the bi-weekly mortgage program, have suddenly lost this benefit through no fault of their own because the investor decided it was best for them to repackage others ' and my loan to be sold of to another servicer. Is it fair that I can no longer benefit from a program I was in because some anonymous investor without consent decides to transfer my loan to another servicer who doesn't provide the same level of service? 

I am asking you for guidance if their is something in the law or directive to rectify the matter? Thank you.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (TX)

In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX  was opened in the amount of {$400.00} and also XXXX XXXX XXXX also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.
Consumer complaint received 2020-02-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX. XXXX XXXX {$120.00} purchased XX/XX/XXXX. Fraud Claim Investigation Results does NOT GIVE A CLAIM DATE. It gives a TRANSACTION DATE and says THE CREDIT WE DEPOSITED AT BEGINNING OF INVESTIGATION HAVE BEEN REVERSED. THIS RETURNED ITEM WAS NOT REPORTED AS FRAUD. ** Kindly Note USAA fraud policy places ( adjustment purchases temp credits provisinal credits awaiting merchant credits within 5 days of fraud reported. THERE ARE NO USAA CREDITS TO REVERSE. This item was returned to the store and WAS NOT REPORTED AS FRAUD BY ME. XX/XX/XXXX Credits provided by XXXX XXXX were reversed and NO USAA CREDITS WERE DEPOSITED AS FRAUD WAS NOT REPORTED. Let this letter prove NO TEMP PROVISINAL ADJUSTMENT PURCHASES WERE GIVEN XX/XX/XXXX. ( see statement XX/XX/XXXX ) TO BEGIN FRAUD INVESTIGATION FOR THE {$120.00}. USAA RETAILATED AGAINST ME FOR REPORTING ID THEFT claiming I reported what I returned to the store as fraud. UNTRUE. This is slander/defamation and if XXXX  does not fix what USAA reported XXXX  becomes an accessory to slandering my good name. I DID NOT REPORT FRAUD ON RETURNED ITEMS. THAT IS A LIE FROM USAA ( XXXX XXXX. )
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Re Midland Credit Management ( " MCM '' ). 

In late XXXX, one of my credit cards owned by XXXX XXXX was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with XXXX, which reversed all charges, and also investigated the claim for me. My account with XXXX is current and has been at all times since that event. 

18 months later, MCM began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed XXXX this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, MCM agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, MCM filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) MCM is acting fraudulently, or with gross negligence, with respect to the claim for which MCM is wrongly attacking me, and, in doing so, MCM is using what I believe to be illegal, and without question reprehensible, tactics. MCM needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.
Consumer complaint received 2020-02-18
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER
Consumer complaint received 2021-11-17
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00} XXXX {$8100.00} XXXXXXXX XXXX****-Balance {$49.00} ( Original Creditor : XXXX XXXX ) XXXXBalance {$420.00}
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage with wells fargo. my house burned down. I have had nothing but a bad experience with wells fargo in dealing with this great loss. I have multiple complaints  1 ) Wells far go is holding  XXXX  from the insurance company. They will only p rovide 1/3 of the funds until 1/2 of th e house is complete. I have demonstrated strong financial situation . ( high salary, high 401K, hig h equity in  XXXX  home, high equity after construction ). I have asked to continue to receive disbursements of my funds as I demonstrate that the initial funds have been applied to the build of the house. If I run short at the end of the project, I will eliminate " nice to have '' finishes from the contract.  <P/> Wells fargo continues to say no. They will not release any more funds until I am at 50 % complete. They do n't offer construction loans, they wont give me a line of credit/refinance on my  XXXX  home. It does n't benefit wells fargo to have a property sit in a burned down state because they wont give me the funds, unless they are hoping that I will default and they get to take over the property.  <P/>  2 ) The property loss department requires an overhaul. I talked to them at least 20 times and they never informed me that wells would only pay out 1/3 of the insurance money and would not give me the rest of the money until I had 1/2 of the house completed. Do they do this on purpose so I would end up in the situation I am in? People do n't know what to do when they have a total loss tragedy. Should n't wells fargo play a role in informing the customer that they will be hold ing all of these insurance funds but will NOT disburse them ( so I could have gone to  XXXX    XXXX   earlier ... ..when I was n't in a crunch to get the funds? ) Does wells just want to keep making interest as long as possible and does n't really care about its clients?? again ... .so unethical.  <P/>  2 ) Wells f argo continues to refuse to tell me what 50 % complete means. they say they will distribute more funds when they are 50 % complete but they have me on their recorded lines begging for a definition of 50 % complete and they continue to say they will get back to me with that definition and they never do. is this a scam as well? will they still not give me the funds when the contractor says I am at 50 % complete. will they find some excuse at that point to hold the funds as long as possible?
Consumer complaint received 2020-02-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC (CA)

Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have called Equifax several Times about information on my credit report.

After the Ask me for my Full Name, DOB, Social Security number and Address they tell me that I have to sent in a copy of my drivers License, Social Security card and a Cover letter asking them the same Question, that I called for. 
Why is it that after we give them our personal information, they tell us that our questions can not be answered and want us to send personal info through the mail?
Consumer complaint received 2017-11-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Utah Loan Servicing, LLC (MD)

I was received a letter from The Circuit Court for XXXX XXXX of Maryland stating plaintiff : Utah Loan Servicing , LLC has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX  XXXX on XX/XX/XXXXXXXX for a single unit property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. 

I believe I owe Utah Loan Servicing none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of XXXX in which Maryland was one of the states who alleged XXXX XXXX XXXXXXXX, F/K/A : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XXXX/XXXX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with Utah Loan Services
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

My sons father used my social to her car insurance thru XXXX. He opened account in XX/XX/2021. He owes {$420.00} I filed a report, i disputed it with fraud, i called XXXX, i got fraud alert on my credit. Next step is police report
Consumer complaint received 2020-02-18
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. (WA)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and Second, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

I had a debt with XXXX XXXX XXXX located in XXXX, South Carolina. I paid the debt directly with the hospital. However, a company called Receivable Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, XXXX tried to open up an account - illegally and without my knowledge or permission to collect an otherwise paid debt. I receive notice from XXXX of this attempt. My credit had been frozen per my request since last year so that NO one but me can open up a credit account. How were they able to do this? I reached out to XXXX stating this was unauthorized and they will fight this on my behalf. How can a debt collector - not having a debt with me be able to open up an account without my consent? Harassment I understand but this is next level WRONG. What can be done?
Consumer complaint received 2023-12-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (NY)

It is bewildering to note that while other credit bureaus have diligently conducted their investigations and corrected the inaccuracies on my credit report, your bureau seems to be lagging behind. The disparity in reporting among credit bureaus has created confusion and frustration, as I am left to grapple with inconsistent and erroneous information that is negatively impacting my credit standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau immediately rectify the reporting of late payment dates to accurately reflect the status of the accounts. Other bureaus have successfully acknowledged and corrected their errors, and it is imperative that your bureau follows suit to ensure fair and accurate reporting. The presence of conflicting information on my credit report, particularly regarding late payment dates, is not only misleading but also damaging to my financial reputation. I demand a swift and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts.

PHH MORT SVC XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur in the investigation process, but it is essential that your bureau takes immediate action to correct these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). I insist on receiving written confirmation of the resolution and the updated credit report without any further delay.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANKERS HEALTHCARE GROUP LLC (FL)

I applied for a loan with Bankers Healthcare Group LLC in XXXX of 2021 I was denied for unknow reasons didn't receive adverse letter until day 30. So I applied for another one of their products which was a business credit card I was also denied saying they couldn't verify my identity which is untrue because my personal and business credit was pulled by XXXX  that caused an hard inquiry on my credit report. 

The reason given for the credit card application was " unable to identify my identity '' and was told to call XXXX, which I did and they said there was no reason for the company not able to identify me because all my personal information is up to date. 

So I feel that the company is violating my ECOA because they are not giving my a vailed in-depth reason for the denial so I can fix the problem to reapply in the near future.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX