davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

I want to submit a complaint towards Shellpoint Mortgage XXXX XXXX XXXX XXXX MI XXXX regarding unfair and suspicious escrow practices. This past XX/XX/2019 this mortgage company claimed I was short escrow by 5000 plus dollars and increased my payment by 500 about dollars to be a now unaffordable payment that I can not afford. They are now sending me certified mailings threatening foreclosure. They are calculating my escrow to be XXXX plus dollars a month which yearly adds to well over 12000 dollars. My town taxes hazard and flood insurances dont come anywhere near that amount and I can not get a satisfactory answer why it is so high. This has happened before and I had the escrow payments spread out so I could afford the mortgage. Now that it has happened again im at my wits end. Im afraid of losing my house and I dont know what to do. Im hoping Hud can mediate and get down to what exactly is going on with my escrow.
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

The collection company in question, Amsher Collections CVCS, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$1000.00}. The open date listed on my XXXX credit report is XX/XX/XXXX which is incorrect. I was unemployed at this time and unable to get any loan products from any financial institution. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XX/XX/XXXX. This account has been removed from my other credit report file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Possible Financial Inc (FL)

POSSIBLE FINANCIAL INC Date opened : XX/XX/year> Balance : {$630.00} I have reach out to this company for over 2 years regarding this account open fraudulent on my credit. I have a police report for fraud and this is on my credit report. Any time an account is open per my report I should be notified by phone.
Consumer complaint received 2022-03-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (CA)

I paid the settled debt in full but the company is giving me the run around on sending me a receipt that I can provide to the original debtor so I can have the vehicle title released. 

They send me to a " receipt hotline '' to leave a message and I have done so. From there they should email me or snail mail me the receipt but there seems to be a problem with the email address ( they keep misspelling it ) or I am unable to talk to someone that can give me any information at all. 

At this time the receipt is supposedly being re-sent because they made a mistake in the address. They are unable to tell me how long this will take and have no way to expedite the process. 

Date Settled XX/XX/XXXX Date Paid XX/XX/XXXX Amount Settled {$1200.00} Contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so far
Consumer complaint received 2020-02-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

In XX/XX/2019, I refinanced my office building loan with US Bank. At the time, I inquired about the prepayment penalty in the promissory note. The promissory note made a vague reference to the calculation that only a Chartered Financial Analyst could understand. I wanted detail information as to how it is computed so I could understand how to mitigate such a penalty in the event I sell my building. I was told " not to worry about it and that it is there in case rates went down to protect the bank. '' Had I had this detail information, I could have gone to another financial institution to see how their prepayment penalties work in comparison. US Bank, however, did not want me to go to another institution and made the refinance easy only asking for my drivers license and my wife drivers license. No tax returns, no financial statements, no paperwork. I am now contemplating selling my office building and asked the bank for payoff information and the prepayment penalty. The bank sent me a payoff statement with a prepayment penalty of {$13000.00}. I asked the bank for a detailed computation of the prepayment penalty and I was told that I have to sign a nondisclosure agreement regarding the calculation. The bank has told me that such a calculation is confidential and proprietary. However, it is my calculation as I am the one paying the prepayment penalty. I should not have to sign a nondisclosure agreement to get the calculation for my prepayment penalty.
Consumer complaint received 2022-07-11
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)

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 719XXXX has me at a score around 590. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (IN)

My mortgage was closed with XXXX XXXX ( XXXX ) on XX/XX/XXXX. We had a modification in XX/XX/XXXX. The only thing that changed was the interest rate. The loan was Sold to M & T bank ( XXXX ) XX/XX/XXXX. I noticed on my credit report that the maturity date changed from XX/XX/XXXX to XX/XX/XXXX. I called M & T bank immediately. They told me the modification changed our entire mortgage. I called XXXX and they faxed me the modification closing, showing the original maturity date of XX/XX/XXXX. I sent a copy to M & T and then called them. They received it and can clearly see that their records are incorrect, yet they refuse to update my paperwork. This is an egregious error and they need to fix it! Please help!
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There is a charge of {$31.00} on my GM MasterCard that happened on XX/XX/2018. I claim that two billing cycles went by after that {$31.00} charge where I received NO paper bill per my account settings. When I noticed an email notification that the account had been frozen I immediately called and paid the account, and requested a review of the paper billing process. I also requested that CapitalOne remove the derogatory information from my credit report, as I feel that either the mail, or the CapitalOne billing system failed to deliver a bill to me. Please note that the delinquent amount reported was for this one {$31.00} charge plus a couple of late fees. There is hardly any reason to assume financial hardship on my part as a reason for the late pay, and furthermore my credit score at  the time was better than 800 I've never missed payments in the past. 

I will attach two rounds of recent communication w/CapitalOne where I once again ( recently ) requested that they remove the derogatory information from my report. 

The first letter from me is rather lengthy, as I wanted to address the things that CapitalOne representatives told me by phone when I initially tried to resolve the issue late last year by phone. Aside from addressing those phone calls, the essence of request # 1 is " I didn't receive a paper bill, can you please remove this information from my report? ". Their response was to recite a fact that is not being contested, ie " the payment posted late ''. Yes, the payment posted late because I was not billed. 

The second letter from me is quite brief. I ask CapitalOne directly what is their policy when a customer claims to have not received a bill in accordance with the account settings ( in this case, a paper bill delivered by U.S. mail )? Their reply is quite stunning, as it totally avoids the question that I asked, and simply restates the non-contested information " the payment posted late ''. 

I do not feel like the responses from CapitalOne lives up to the standards of proper consumer interaction, nor is it consistent with fairness in credit reporting. 

I am requesting that CapitalOne directly answer my letter # 2 questions and/or remove the derogatory information from my credit report. 

Thanks for your attention to this matter. 
Sincerely ...
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I made an additional escrow payment in the amount of {$4700.00} to offset my escrow shortage of {$5300.00} and to lower my monthly mortgage payment due XX/XX/XXXX. I made the additional escrow payment via Wells Fargo 's website. However, Wells Fargo 's system did not make apply any of the {$4700.00} to additional escrow as I submitted. Instead, Wells Fargo made a payment in the amount of {$1700.00} to the XX/XX/XXXX piti payment. Wells Fargo also made a payment to the principal balance in the amount of {$2900.00}. A total of zero dollars of the {$4700.00} was applied to the additional escrow as I requested. On XX/XX/XXXX, I noticed the {$4700.00} was not applied to 'additional escrow ' and I called Wells Fargo XXXX escrow department. The representative reversed the previous payments and applied them correctly. However, because of the incorrect application of the {$4700.00} that I requested on XX/XX/XXXX, I had to pay a significantly higher mortgage payment for XX/XX/XXXX. After speaking with a supervisor, it was explained that additional escrow payments that do not satisfy the complete escrow shortage amount are labeled as 'unapplied funds ' and are applied differently. Wells Fargo website does not provide a disclosure explaining this situation to customers.
Consumer complaint received 2022-03-30
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-06
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. (TN)

I disputed a fraudulent account that was also a breach of contract (company sold the debt and I never agreed to nor was informed of this) with Experian. Not even a week later they emailed me stating that the fraudulent account will remain on my account. I called a a couple days later requesting a copy of the dispute, what they told the company, and what the company said and they claimed their terms of service does not allow them to do that. I called XXXX and XXXX and they both said yes they would give me that information if the case was not open, so I do not see why Experian would refuse me access to information that is vital to my credit and is part of my file which is mine to look at whenever I choose. I asked to speak to a supervisor and the rep argued with me until finally giving in. I was on hold for over 15 minutes when someone picked the phone up and hung up.
Consumer complaint received 2019-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Services Collections, Inc (TX)

To whom it may concern, Last XX/XX/XXXX Account Services Collections , Inc left a voice message in my personal cell phone asking me to contact them regarding a debt. A few days later ( a week or two ) I called back. A woman picked up the phone and after confirming my old address -from 2 years ago- and my current address, she informed me that I had been called by mistake regarding an old account. 

That made sense to me, as I had not received any debt validation letter, as they are obliged to within 30 days of starting collections, and I do not recall having ever provided consent to receive phone calls from Account Services ( or provided them my phone number ). This is because I share the phone, with my wife, who has access to my voice messages, and after she heard the message, she got seriously concerned and harassed me with questions. 

Today, XX/XX/XXXX I received a notification from XXXX that my credit score substantially dropped. As Im currently in the process of buying a car, Ive been monitoring it closely. When I pulled my credit to check it, I was outraged to discover that Account Services has reported a medical debt that Ive never heard about ( not even when I called them! ). 

This company should definitely get closed. I already had problems in the past with them for inexistent or inaccurate accounts. They have made me lose time and money, caused me public embarrassment, and huge distress.
Consumer complaint received 2024-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC (OH)

XXXX XXXX XXXX. 

Cross country mortgage did not like the initial appraisal at XXXX. They had the apprsiaser look again and she changed it to XXXX. The real estate agent appealed and she moved it back to XXXX. CCM then changed closing disclosures and pushed additional cost to me the buyer. They will not call and have made XXXX calls XXXX my agent as well. It feels very scummy and feels like they minupulated the appraisal. It does not feel like it was independent anymore rather she was bullied.
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc. (FL)

I'm being charged for membership to a country club that I have never visited nor knew of its existence. I barely make enough money to survive and I can not afford any type of membership to clubs or fitness places. This derogatory mark is affecting my credit. Please, see if you can help me to have this removed from my credit report. Thanks. 
Below is a copy of the charge. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Derogatory marks View all accounts Collections M G Credit Opened XX/XX/2016 {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$2200.00} Highest Balance {$2200.00} Opened XX/XX/2016 ( 3 yrs, 2 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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)

I CHECKED MY CREDIT REORT AND SEEN THIS INQUIRY ON THERE THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE THAT I AM A VICTIM OF IDENTITY THEFT AND THEY ARE SUPPOSE TO CALL ME EVERY TIME SOMEONE APPLY FOR CREDIT TO MAKE SURE THAT IS ME AND THAT DID NOT HAPPEN
Consumer complaint received 2022-03-30
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX On [ XXXX 2020 ], Macy 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit scorXXXX, which in return affected my chance in renting apartment and financing a car later on.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX failed to inform the credit bureaus of my ongoing dispute regarding this account. Furthermore, despite my request for information, they only provided a blank form with a computerized signature where it looks like someone copied my signature from something. XXXX XXXX has been unresponsive in verifying the debt and has repeatedly sent forms that do not confirm my ownership of the account or any outstanding balance. Additionally, they have continually altered their reporting information to the bureaus without acknowledging my dispute. 

XXXX XXXX has violated numerous laws by failing to provide validated evidence that I owe any amount or that the account even belongs to me. They have intentionally quadrupled the reported balance, causing me harm without substantiating their claim that the account is mine. 

The account number on the credit report says XXXX