davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (VA)

I refinanced with United Whole sale Mortgage ( UWM ) in XX/XX/2021. Since I refinanced my mortgage with UWM I have never received a mortgage monthly statement from this company. I have called several times, repeated requesting UWM to mail my mortgage statement prior to due date of payment but they have not done so. As I file this complaint, XXXX  has still not mailed a copy of my mortgage statement for month of XX/XX/2021. 

Sometime in XX/XX/2021, I saw in increase in my mortgage from UWM by {$10.00}. When I called to speak to a customer service agent they started giving me a runaround. In two occasions, I spoke with two females agents who did this to me. Another time, I spoke with a gentle who apologized for this mistake but rerouted me to an answering machine and never sent the email or mail the mortgage statement to my home address. 

On XX/XX/2021 I sent email to UWM to mail my mortgage statement to my home address. This is the last time I'm making this request. That if I don't hear from UWM within 10 business days, I will pursue the next line of action.

UWM is violating the law by not mailing mortgage statement to customers home address. What if I don't have internet, I will not be able to pay my mortgage.

The I deserve the right to have my mortgage statement mailed to my home address, just like my bank statement and other bills.

The United States Postal Service ( USPS ) was established in the Constitution with Congressional approval. Email will not replace the USPS and is not a substitute for mailing mortgage statements unless the homeowner specifically gives consent in writing and signed up for online deliver which I did not.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (OH)

XXXX is reporting a mortgage with Residential Credit Solutions being delinquent 120 days as of XX/XX/XXXX. This loan was paid off in full in XX/XX/XXXX. RCS was responding to a dispute and sent incorrect info. I 'm in the middle of applying for a new mortgage and this is a big concern.
Consumer complaint received 2022-02-25
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: ERC (CA)

Enhanced Recovery Company had contacted me numerous times indicating they were acting on behalf of XXXX in an attempt to collect an outstanding account balance. However, as I repeatedly told them I have NEVER had a XXXX account. My phone service has always been by a different provider. In addition, my phone for the past 15 years has been supplied by my employer with service through another provider. 
Despite my repeated explanations, today my XXXX Credit report showed a major decline ( 92 points ) because Enhanced Recovery Company apparently did not inform XXXX that I had disputed this account. I have spoken today with both a representative of Enhanced Recovery Company and XXXX to inform them of the error and requesting that it be registered as disputed if not removed.from the report. The twoother credit reporting agencies do not show any such information.

I believe Enhanced Recovery Company and XXXX both acted in bad faith in this situation, to my personal detriment.
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (AZ)

I have contacted this credit reporting agency on several occasions disputing information that they can not validate. I have provided proof that this information is not mine. The representative stated that information is recieved electronically and they only report what is electronically sent not validating information. I have disputed incorrect information for a few years and not getting results. Public records, collections and incorrect addresses have been disputed multiple times but remain reporting without validation.
Consumer complaint received 2022-10-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Hello, I have a few UNAUTHORIZED HARD INQUIRES on my credit report that I have NO KNOWLEDGE of ive contacted the companies of the hard inquires and get the run around. I also called TRANSUNION XX/XX/XXXX and let them know I am a victim of fraud and they are refusing to remove the inquires, stating there is no way for them to remove them. 
XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Several times I asked agents at Prestige Financial Service not to contact me by phone concerning my car loan, yet they persistently called me four to five times daily during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. I was even called by an agent named XXXX on XX/XX/XXXX repeatedly although I texted her to tell her I was at my Mother-in-Laws funeral. I made payments om this vehicle for three and a half years, yet they are saying that the payments went to principle and that the amount owed is nearly as high as the purchase price. Also I was told by an supervisor named XXXX XXXX, that they were in violation for calling after I repeatedly as them not to call me anymore, yet XXXX XXXX, XXXX XXXX, and Ms. XXXX continued to call, especially during my work hours, which landed me in a lot of trouble by my phone continually ringing. 
Now that I have agreed to surrender the car ( which they have ) they are still reporting it to all three credit bureaus that I'm missing payments. 
I'm asking that you please help me in getting this straight and getting Prestige Financial Service out of my life for good. 
Thank You.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I own a XXXX XXXX  XXXX  XXXX in New Jersey. 
Beginning XX/XX/XXXX the Bank of America allowed the theft, via ACH transfers, amounting to {$440000.00}. The thieves moved monies in then out of the account. 
We caught the activity on XX/XX/XXXX and notified the bank. It was very hard and took a long time to secure the account. 
Bank of America had no monitoring of any kind. They missed credits and debits of {$.00} which is how the thieves tested the account. The transactions were enormous and out of sync with our banking history, they did nothing. 
Now we find out that we may not get any of our money back. We didn't even know it was being stolen. If a XXXX XXXX XXXX  banks with Bank of America they are at extreme risk of losing their money. 
The debit and credit dates and amounts are as follows : {$28000.00} DEBIT XXXX {$9800.00} DEBIT XXXX {$39000.00} DEBIT XXXX {$59000.00} DEBIT XXXX {$60000.00} DEBIT XXXX {$190000.00} DEBIT XXXX {$47000.00} DEBIT XXXX {$170000.00} DEBIT XXXX {$79000.00} DEBIT XXXX {$63000.00} DEBIT XXXX {$64000.00} DEBIT XXXX {$820000.00} TOTAL DEBIT {$63000.00} CREDIT XXXX {$64000.00} CREDIT XXXX {$79000.00} CREDIT XXXX {$170000.00} CREDIT XXXX {$0.00} CREDIT XXXX {$0.00} CREDIT XXXX {$380000.00} TOTAL CREDIT {$440000.00} STOLEN FUNDS
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

We purchased a home in XX/XX/XXXX which was financed by United Wholesale Mortgage. I was looking at the Final Buyers Escrow Statement dated XX/XX/XXXX ( from when we purchased the property ) and noticed that they had charged me {$150.00} in escrow for 3 months of Homeowners Insurance that I neither requested nor needed since I already had insurance from XXXX set up ( it was listed on the purchase escrow papers ). I also noticed that they charged me {$550.00} from my mortgage escrow balance on XX/XX/XXXX for hazard insurance. Again, I did not ask for this insurance, need it, or know that I ever had it. I have never received anything from whatever insurance company they set up for me, which is why I never realized that I was being charged for it. It was all done behind my back. 

I sent United Wholesale Mortgage the Final Buyers Statement from my escrow papers and the declaration page from my XXXX policy showing that I had coverage at both times. I have called, mailed, e-mailed, and faxed the company repeatedly without getting any response.
Consumer complaint received 2021-10-28
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. (WA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been over 35 days later and I have yet to receive a response. I feel that I am being taken advantage of and ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts become deleted or I will file litigation due to the stress you caused me. 
My information was also impacted by the XXXX XXXX data breach. Where the names and Social Security numbers of alumni and applicants have been exposed after someone gained unauthorized access to an employees email account.
Consumer complaint received 2022-10-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX I received notification by mail that my Capital One 360 acct. had been closed due to inactivity. When I contacted the bank by phone the representative said I could only claim my money on-line. To do that I needed a claim form and property id # which I could only get on-line. I was referred to two different websites for unclaimed property. 
On XX/XX/XXXX I went to the XXXX XXXX XXXX and the branch market manager told me she would check out and get back to me. After I called a week later I was told the same thing, go on-line to submit a claim. I was given yet another website to go to request a property id #. Thereafter I " should '' hear back around XX/XX/XXXX. 
I opened this interest bearing savings acct. ( XXXX ) at the advice of my financial advisor, to hold 8 months of emergency living expense. 
My money has been confiscated and Capital One makes it impossible to claim it without a computer and computer skills. I am a XXXX XXXX XXXXXXXX XXXX  who has a son to help me with my computer challenges, without him I would be forced to forfeit my money.
Consumer complaint received 2021-10-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received notice from Bank of America that my mortgage was being sold effect XXXX on XX/XX/XXXX. This is less than 15 days as required by 12 CFR 1024.33. 
I contacted BoA and told them they did not provide enough notice per the law, I was informed the letter was dated XX/XX/XXXX and that was more than 15 days. 
However, putting a date on a letter doesn't inform me of something on that day.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MI)

I recently called lexinexis and they told me that there was no bankruptcy. I have a copy of the letter providing proof they gave me inaccurate information. So after disputing with the credit bureaus and sending them my letter with no bankruptcy found. The credit bureaus kept saying that the bankruptcy is being reported accurate. Please ensure that they abide by the consumer laws thats in place to protect us. 

I called lexisnexis yesterday day XX/XX/2019 and one of their staff members said that the credit bureaus were able to pull records from my unverified public records from their company? third party I wan na know how is this possible and why are they illegally allowing credit bureaus to pull this information? Please have them remove this public record from being accessible to the credit bureaus. In this letter I have provided physical proof from the Michigan u.s bankruptcy court stating that they do not report to any credit agencys. I demand that my FCRA consumer rights be exercise correctly.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experian and XXXX XXXX are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase Pro has a serious flaw where a purchase order goes missing, but the funds get locked up as if the order is still there. This has led to all my funds being locked up and available for trades and thousands of dollars of missed opportunity, and the order eventually executing at a random time of Coinbases choosing. This is fraud and a scam, manipulation of other people money, and a serious breach of policy.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (SC)

American Credit Acceptance I had covid last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with XXXX XXXX and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.
Consumer complaint received 2021-10-28
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. (GA)

I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Transunion ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit ( Transunion ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Capital Management Services, LP (MD)

I have received multiple phone calls from Capital Management Services asking to speak with my brother. I do not know how they got my number, but my brother does not live with me. I have told them repeatedly to take my number off their list and to not call me. The calls stopped for a few months and I just received another one today from XXXX.
Consumer complaint received 2022-10-08
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. (AL)

XXXX XXXX XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.
Consumer complaint received 2021-10-28
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. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE ALSO WRONG EMPLOYERS THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-10-28
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: ARC Management Group, LLC (FL)

On XX/XX/XXXX, XXXXARC Management Group LLC added a derogatory mark on my credit report per Credit Karma. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARC Management Group has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report.
Consumer complaint received 2021-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I have been trying to decease my mortgage principle monthly along with mortgage payments. I have went into my bank XXXX XXXX and with a bank officer. Sent a cash payment of $ XXXX {$420.00} for me, as a cash transfer to Select Profolio Servicing to apply to my unpaid mortgage. this was in XX/XX/2021. It is XX/XX/2021 and they still have not applied this payment to my unpaid balance. They tell me they have a turn-aroung of 14 days it has been almost a month. They told me eariler in a call they did not have enough people working in the department to do the work. They have given me every kind of excuse they want to keep from applying payments to my unpaid mortgage. 

I intend to open a checking account speifically for payments to be maded from it, to apply to my unpaid mortgage balance. I need CFPB, to monitor these payments for me so that this mortgagae company will apply these payments as specified for me. I NEED YOUR HELP!
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

To TRANSWORLD SYSTEMS INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Transworld Systems Inc. ( TRANSWORLD SYSTEMS INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Transworld Systems Inc.
Consumer complaint received 2021-10-28
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)

Experian is reporting a fraudulent XXXX account that doesnt belong to me. XXXX XXXX ( balance {$7400.00} )