davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MCCUE MORTGAGE COMPANY, THE (CT)

I recieved a letter from McCue Mortgage dated XX/XX/2020 that my payment was 15 days late. I called the company on Thurs., XX/XX/2020 and they said that they just recieved my payment. I said I was confused because I always pay a month ahead of my due date. The check they recieved was supposed to be due XX/XX/2020 not XX/XX/2020. They then sent me a listing of all my payments for the past year. 

I discovered that the extra {$20.00} I sent in every month for escrow was being applied to my principal and not my escrow. I also discovered that check # XXXX, which was cashed on XX/XX/2020 was never applied to my account. 

I was then informed that the money had been misappropriated to my escrow account. Then, in XXXX they issued me a check for {$710.00} for an over funding my escrow. 
Essentially, the mortgage company is misappropriating funds between my escrow and my principal, and now I am a month behind in my payments. 

When I asked for an explanation as to how and why this has happened, I was hung up on my the manager of the service department. I have since reached out to two Vice Presidents.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$46000.00} on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The amount due that is being reported is completely inaccurate. I make these monthly payments on time and this account is current. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
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. (AR)

I was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Here are all of the hard inquiries that I did not authorize due to id theft, 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 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 XXXXXXXX
Consumer complaint received 2021-03-09
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: The Best Service Co.,Inc (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AL)

Ally financial has repeatedly charged unjust fees late fees etc for no reason. I have called several times and get told the same reply its a computer glitch. I have gave this company several weeks to fix system issues but they have not complied. This makes me not trust them and feel like Ive been getting ripped off.
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Kohls Charge Card late payment account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (WI)

To whom it may concern, The company Alliance Collect has attempted to collect a debt from me. This company has sent me documents trying to validate the debt and didnt send me my Hipaa release form, instead sent me a detailed description of what happened at the visit. This company should not have access to my PHI without my authorization. 

I spoke to a gentleman named XXXX before sending them a validation letter. I was confused about our conversation and only took away owing {$480.00}. On XX/XX/2021, XXXX  flagged my account giving this debt a new open date and late payment. Im more this frustrated with this company Alliance collect because I sent them a violation of my Hipaa rights letter demanding them to seize any action to collect this debt and to not report to the credit bureaus. They took it upon themselves to report this debt and not respond to my letter.
Consumer complaint received 2020-02-27
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: EQUIFAX, INC. (TN)

I tried to login in with my Equifax login information as was given an error message that I needed to call in and get a new password. I called in and able to talk with a woman who I could hardly understand. She was asking me questions in very poor broken XXXX. I asked on over 10 times to be transferred to US based customer service. At this point she and I are both very frustrated. She told me she was not able to verify my identity and that I would need to send in Information. I'm not sure what information or where to send it. 
I again asked to be transferred to US based customer service. She asked if I had any questions. I said YES. I don't understand what you are asking me to do. At that point she said she would tranfiet me and next thing i know she has hung up.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

US Bank can not supply reconciliation and full accounting of construction loan funding and funds left to date as part of residential remodel project. Construction loan was obtained in XXXX ( previous complaint filed in that instance ), and construction loan was rolled into traditional mortgage in XX/XX/2019.  Funds disbursement throughout construction was handled through Granite fund control. Funding has been significantly delayed throughout the project due to mismanagement of paperwork by both US Bank and XXXX. As we get deeper into the project, and closer to finalizing they have been unable to provide any accounting of the job. They are withholding funds we are currently paying interest on as part of our personal mortgage. We are also due personal reimbursement for funds outlayed as part of construction and have not been repaid, nor have some of the subcontractors working on the job. 

Happy to provide email back-up of all correspondence in which the bank says they are " working on it ''. In our latest round it has been 1 week since we asked for full accounting and reconciliation of the job financials and they have been unable to account for the money. The job is now at a standstill as sub contractors can not proceed with additional work until there is payment. We continue to pay our full mortgage amount ( which includes interest and the outstanding loan amount ) with no reimbursement.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

I tried to refinance my mortgage with Amerisave, I'd done the same with them several years before. My loan officer XXXX XXXX told my I qualified to refinance, but it would cost me {$500.00} to lock in my rate. Once I paid the {$500.00} and started the paperwork I asked how to handle my wife being on maternity leave since her W2s will show no earnings right now. It took over a week of me calling and emailing him until he responded, he said it wasn't a problem she was on maternity leave if she went back before the first mortgage payment was due, but still didn't tell me what documents they would need. I asked again that day and didn't here anything ever again, I emailed and called multiple times, he just quit responding to me. I also left a voice message with someone described as XXXX XXXX 's manager who also did not respond. After another week I sent an email asking him to refund my {$500.00}, cancel my application, and cancel any services they scheduled like the home appraisal, he didn't do any of those things. The appraisal company won't let me cancel the appraisal because they said I didn't order it, Amerisave did and they  haven't cancelled it even though I requested they do so. Literally the next day after I paid them {$500.00} they became unresponsive and made it impossible to complete my application. I want my money back.
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Services Collections, Inc (TX)

On XX/XX/XXXX I had an on the job injury to my XXXX XXXX. Per protocol, I was taken to the ER at XXXX  XXXX XXXX XXXX. I later received a bill for {$300.00} for the visit. 
On XX/XX/XXXX, I forwarded the bill to the Department of Labor and again XX/XX/XXXX. This is the first time I am hearing any type of communication from this collection agency. Account Services is now reporting this as negative account on my credit report. In addition to a significant drop in my score, this erroneous information will flag my military XXXX XXXX and put in my career in jeopardy. I do not owe this debt as it is a Worker 's Comp/ DOL billing issue and I need it removed immediately.
Consumer complaint received 2020-02-27
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: WELLS FARGO & COMPANY (TX)

Ive contacted Wells Fargo due to a fraudulent account being reported on my XXXX  credit report. I have disputed this account several times. I asked Wells Fargo to provide me with account open date etc. they never provided me with any information pertaining to fraudulent account in my name.
Consumer complaint received 2022-09-15
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. (NC)

A

ccordance with the Fair Credit Reporting Act XXXX  Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-26
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. (TN)

I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5900.00} COLLECTIONS XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-02-26
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX  XXXX  XXXX  XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}
Consumer complaint received 2020-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ascendium Education Group (VA)

Im filing a complaint against Ascendium/XXXX  XXXX XXXX/ Department of Education . I started going to XXXX, now XXXX ( XXXX College ) in XX/XX/XXXX and finished in XX/XX/XXXX. I was promised that I would be making more money with a degree and if not, they would provide me with a position making more money. When I finished my total was around {$18000.00} and I started paying monthly. In XXXX, I consolidated my loans, which means it should only be one loan amount and not two as they are reporting it. Sometime in XXXX/XXXX, it was determined by the government that XXXX  Colleges  was found to be fraudulent ; therefore, the loans were fraudulent and should have been discharged. At the time the total they said I owed was {$11000.00} and on another loan {$14.00}, XXXX. If you will notice, Ascendium wasnt on my credit report until XXXX, ( the year XXXX  was breached ) and they reported these loans as if I had attended school in XXXX. In XX/XX/XXXX, Ascendium seized my federal taxes of {$5100.00}, claiming I owed them. I was contacted in XXXX by XXXX XXXX XXXX and told they were in the process of garnishing my paycheck and to stop it, I had to sign a contract to pay or my paycheck would be theirs ; I had to sign and agree to pay, and I have the contract to which I signed. They have been debiting every month since XXXX {$78.00} until the end of this year and afterwards I will have to start paying more. The way the contract is written is as if I just applied for a loan to attend school. 
I reviewed my credit report and on my XXXX  report, it shows over {$20000.00} in student loans owed, but on my XXXX, it doesnt show any student loans owed ; they all are discharged, as they should be. 


A copy of this complaint will be sent to : Ascendium XXXX XXXX XXXX, XXXX WI XXXX Link to show that the college was fraudulent : https : XXXX Didn't have the correct problem to choose, but the problem is the loan was discharge and this company has picked it up.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (WI)

We Filed Bankruptcy in XXXX of XXXX. Ocwen Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 {$1000.00} was given to someone using a stolen ID and they used a withdrawal slip at a branch on the opposite side of town. My wallet was reported lost in XXXX to Wells Fargo. I reported the transaction as fraudulent. In XXXX I had to reopen the case after Wells Fargo Closed it saying it was my hand writing on the withdrawal slip which It was not. It has now been another 3 months and no resolution. I manage a clothing store in XXXX XXXX and was at work when this happened. Thank you for any help you can give me.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Financial Data Systems (SC)

XX/XX/XXXX, hung up on by staff XXXX as I asked for the details of what I owe Financial Data Systems for the amount of {$1000.00}. 

I, XXXX XXXX, was requesting that Financial Data Systems provide verification of this debt with account number XXXX. 

I, Requested the name and address of the original doctor bill, any signed documents to see specific doctor, any agreements made with the doctor, the account number, and the amount owed. Requested any signed documents with the doctor for his service and all original documents of XX/XX/XXXX medical services with the specific doctor claiming I owe. Requested Verification all details of the original bill and original signing agreements to such doctor, including all pages. Requested for Financial Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX www.fdscredit.com shows that there is a valid basis for claiming I am required to pay the current amount owed of {$1000.00}. 

No verification was given to me from the medical bill including any agreements signed. I was sent an invoice and collection on credit reporting agency from Financial Data Systems for a debt of {$1000.00} with no validity to debt and no agreements signed for debt. 

Details about the age and amount of the debt including a copy of the last billing statement from the doctor. My address is in XXXX XXXX and XXXX XXXX, I never got notice at my address of this debt before. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (TX)

XX/XX/XXXX I contacted ditech a XXXX XXXX  to mediate purported loan. I corresponded and received confirmation of communication through XX/XX/XXXX. XX/XX/XXXX 3 people showed up at my house the one woman w/2 men who stood behind her saying nothing. she gave me a termination of right of occupancy and purported she bought home. she attempted to show me on the phone but one of the man pulled her arm back. I excused myself and they left. I called ditech and they seemed confused about the matter and would get back to me. I Than received last correspondence letter on XX/XX/XXXX about servicing transfer to XXXX XXXX  XXXX. I got a call shortly after from a lawyer purporting my home sold for XXXXdollars and he could help me. my ditech account states a last payment was made in the amount of {$53000.00} and county purports a sale of XXXXdollars. everything is noted incorrectly.