davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (MS)

I purchased a home XX/XX/XXXX in XXXX XXXX XXXX I purchased it from XXXX XXXX 's real estate agency using one of her buyers agents. In the financing an escrow was set up to pay the insurance as well as taxes. According to the paperwork the taxes for XXXX were XXXX and homestead was filed by the homeowner for XX/XX/XXXX. They set up the escrow to hold out XXXX to pay the taxes each year. That totals out to XXXX. I paid on time every month. XX/XX/XXXX i received a call from the bank and was informed that the withdrawal went from about XXXX to XXXX. So i called to find out what the problem was. They informed me that i failed to file for homestead XX/XX/XXXX and that I had insufficient funds to cover the taxes and my payments would have to increase until that was caught up. I understand that was ignorance on my part and I have paid it and made the changes that were needed in order to pay back the owed amount. They reassessed it for XX/XX/XXXX and sent the info to the bank so the amount owed for that year went from approx XXXX to XXXX which is when I became aware of a problem. My down payment, insurance, and account was set up based on the tax information provided to me. However when i received my estimate for this year the taxes are not XXXX based on XX/XX/XXXX. They are not XXXX based on what I was told to expect to pay. They are XXXX ... nearly XXXX percent more than the estimate I was given. I do understand it was an estimate which implies it could be slightly off. However thats not slightly off. It in essence doubles what I have to pay for it into escrow every month and increases how much I would have to pay for the home if kept full term to about XXXX more. Through my investigating it appears that they gave an estimate based on what the previous home owner would be expected to pay. The previous homeowner was over the age of XXXX I 'm assuming. I did n't know him but I have deduced that. That qualifies him for special exemptions in homestead which I as a XXXX year old at the time did not qualify for which they would certainly know. Not only that there are many more people under the age of XXXX buying homes than over. His rate would be the exception certainly not the rule. Therefore The numbers were going to be roughly XXXX percent off in most cases. Yet I was given nothing to indicate this. Mortgage loans are also to be made in part only to ones who have the ability to repay them. How could anyone claim that is being done when the estimates are allowed to be that far off? I know I might have rambled a bit and I apologize to whoever is having to endure it, but please understand I 'm not one who asks for assistance in matters and I accept responsibility for mistakes when I make them. This however was not a mistake I made and its brutally unfair for me to have to pay for somebody else either purposely misrepresenting the truth or not doing their job. I have another issue with a repair request but I 'll put that in a separate complaint. Thank you for your time.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (AZ)

I agreed to purchase an item ( vacuum cleaner ) as part of a promotion for completing a survey. The terms of the transaction were that I only had to pay shipping and handling of {$2.00}. After I entered my debit card information and completed the purchase I got a receipt showing a charge of {$39.00}. I contacted the vendor to cancel the transaction, but he refused and told me to contact my bank. 

I reached out to my bank and they could not get the funds back from the vendor 's bank, so they refused to refund the charge to my account. 

The transactions is fraudulent on 2 counts : 1 ) the vendor used a bait and switch tactic, showing one price & charging another 2 ) I never received any goods or services in exchange for the amount that was charged, which constitutes theft
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

There was fraudulent activity on my account on XX/XX/XXXX. Unauthorized checks came through my account that I didn't write nor did I authorize anyone to write. ( Hence since Ive had the account Ive never written a check or ordered checks ) After 30 business days I have not gotten any correspondence or information on the status of the investigation. I was told initially I would be contacted in 10 business days. To date I've called, went to the branch on several occasions and to no avail no one seemed to have an answer on the progress of the investigation. I called today XX/XX/XXXX and spoke with a TD representative, she gave me the name and the phone number to the agent that was handling my case ( XXXX XXXX ), however the number happened to be disconnected. I am aware that after 10 business days if there is no resolution on the investigation than a provisional credit will be issued. I spoke to a TD rep on XX/XX/XXXX and was told that was not the case. At this point I am very frustrated ; this has been a financial hardship and a great inconvenience. I need my money to be returned and my account to be cleared.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MO)

Genesis Financial d/b/a Genesis FS Card services has failed to properly apply the proper payment to the account. I XXXX ; XXXX XXXX, has sent an endorsed instrument to the payment center as well as the CFO with instructions on how to apply to the account. Genesis FS Card Services has failed to send any notice of dishonor as required by U.C.C. 3 - 503. 12 CFR 411 states that Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. Genesis FS Card Services is engaged in unauthorized use [ means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ] of my credit card [ defined as any card, plate, or other single credit device that may be used from time to time to obtain credit. 12 CFR 1026.2 ( a ) ( 15 ) ( i ) ] as they are receiving access to my credit but requiring me to go beyond endorsing my instrument which benefits me none. I am aware that 18 usc 8 means all debt is the obligation of the US and Genesis FS Card Services is fraudulently demanding payment and threatening to close my account which counts as adverse action. Full penalty will be pursued for failure to comply with truth in lending act.
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

PHH Mortgage Services Address : XXXX XXXX XXXX, XXXX. XXXX NJ XXXX XXXX is/was the servicer of my conventional mortgage on my personal residence located at XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( Loan # XXXX ). 

Mortgage serviced by PHH was paid off on XX/XX/XXXX 20 days ( excluding holidays, Saturdays and Sundays ) expired on XX/XX/XXXX While Ive been told a check was issued on XX/XX/XXXX, it is now XX/XX/XXXX ( 36 days, 25 days excluding holidays, Saturday 's and Sunday 's ) and I still have not received a refund of my {$2900.00} escrow  balance Ive asked multiple times ( via calls in XXXX and XXXX ) to be provided a copy of the check, a check number, the payee, the address that the check was mailed to etc. without receiving a response Ive also asked that a stop be placed on the " supposedly '' issued check and asked that these funds either be overnighted to me, ACHd to me or wire transferred to me without receiving a response I believe PHH Mortgage Services to be in violation of Part 1024 Real Estate Settlement Procedures Act ( Regulation X ) Subpart C Section 1024.34 ( b ) ( 1 ) which stipulates that within 20 days ( excluding legal public holidays, Saturdays and Sundays ) of a borrowers payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicers control I believe PHH Mortgage Services to be purposely engaging in delaying disbursement of MY escrow funds to enhance their profitability.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (NY)

There is a XXXX account on my credit report, showing on my Experian, XXXX and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.
Consumer complaint received 2021-11-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C. (IL)

Arnold Scott Harris , P.C . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX. Has been sending me notice balance {$240.00} The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX I made a transfer of {$1900.00} via XXXX to the other party. 
- Nothing received by other party XXXX Called Bank of America XXXX and was told my transaction went through. 
- Nothing received by other party XXXX Called Bank of America XXXX and was told my transaction was still pending. Now beyond the normal 1-5 business days that XXXX should take. 

I have yet to receive any notification of an error from XXXX. 

XXXX Ordered a recall of my funds through Bank of America XXXX. However no confirmation of the recall was made to me.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Back in XXXX 2015 i started a loan modification through my servicer Seterus who handles my mortgage for XXXX. I was approved by Keep Your Home California in XXXX 2015 for a principal reduction and was approved for {$84000.00} reduction was was sent to Seterus in XXXX for them to recast my loan. As to date they have not applied the funds nor recast my loan. I call on a weekly basis like they tell me to. I have spoken to numerous people and have asked for a single contact person that know whats going on and they told me that they can not do that. I have asked to speak to someone in their hardest hit department and they tell me i can not speak to someone their that they will put notes in the computer requesting an update. I get numerous responds in the mail with different programs they can offer me but nothing about the recast. I got a letter XXXX/XXXX/15 & XXXX/XXXX/15 that i was approved for a modification through the XXXX who i called that told me that they do n't service my loan, on XXXX/XXXX/15 received a mortgage Trial offer that would raise my interest rate and make my loan 40years, i keep getting a suspended account statement showing my {$84000.00} that keeps going down but nothing being applied to my loan, on XXXX/XXXX/2015 i received a letter stating i was denied a loan modification, on XXXX/XXXX/15 received an escrow account statement showing a shortage. I really do n't know what to do, I am at a lost please help
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (NY)

There is a XXXX account on my credit report, showing on my XXXX, XXXX and Equifax. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.
Consumer complaint received 2022-03-28
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. (NY)

There is a XXXX account on my credit report, showing on my XXXX, Transunion and XXXX. The amount is {$170.00}. I have no knowledge of this account. This was fraud. 

I contacted XXXX and they were able to do investigation and find out that the account was indeed fraud. They emailed me a letter and states the account was fraud and not mine. 

XXXX said they will reach out to credit bureau to remove this incorrect information but it is still reporting on my credit report. 

I am attaching the letter I received.
Consumer complaint received 2021-11-12
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: Self Financial Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item ( SELF / XXXX with account number XXXX Date Opened : XX/XX/2018 Balance : {$0.00} ) is reporting late, yet it is closed and the balance is XXXX as reported in XXXX and XXXX Credit Bureaus . The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. Lets remove this immediately.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (OH)

I sent a letter to this companyXX/XX/XXXXonline information services for them to verify that this is my debt and why I owe this debt and what it is from. It is for {$96.00}. It is now XX/XX/XXXX and I have not gotten a response from this collector for verification that this debt belongs to me.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

We purchased a property with Homepoint, in XXXXXXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We submitted all the proper documents, including the insurance binder. Everything was approved, and we received the mortgage. A few days ago, we got a letter in the mail ( attached ) demanding that we add wind coverage to our policy. We also emailed Homepoint with the current binder ( WHICH THEY APPROVED!! ) and asking them to dismiss this ridiculous request. 
PS - I apologize about the stain on the letter from Homepoint.
Consumer complaint received 2022-03-28
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have filed disputes in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (UT)

all my student loans were transferred from aidvantage to XXXX in XXXX aidvantage is still reporting a balance of {$34000.00}. all my credit reports show now that i have a balance of XXXX when in reality my current balance is of {$33000.00}. this is affecting my credit score tremendously. please correct my balance info
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have paid off my mortgage and this company has made several errors in applying my payment and despite my numerous escalations and requests the account has not been corrected. the correct payoff amount has not been provided despite numerous requests and the company keep referring me to online payoff amount which is absolutely wrong since my payments have not been applied correctly. 
I have requested transaction history and they can not provide me with detailed history that shows proper information that would be useful to me to see how this company has applied my payments. 
Based on this companies rules, I should receive the satisfaction letter within 10 days of paying off the account ; however, due to the mess in their systems they will not be able to do so. I am applying for Equity line of credit and need to show that the house is paid off but I am not able to proceed due to this mess this company is a collection agency in nature and do not have proper infrastructure to manage mortgages and they have bought my mortgage from XXXX  XXXX and now I am in the middle this frustration. the staff treat us as if they are collecting unpaid money. they are very rude, totaly lack knowledge and expertise and they are totally disrespectful to customers. there are numerous lawsuits against this company that would really need your oversight on their performance.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act, XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.
Consumer complaint received 2023-03-02
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. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit ate for any purpose. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

On XX/XX/XXXX money began getting withdrawn to pay back loans and then higher loans requested a total of 17 transactions totaling the amount of {$1200.00}. I placed call reporting at about XXXX XX/XX/XXXX. I then had to call them in the morning because they were closed. XX/XX/XXXX @ XXXX spoke with customer service several times for a total 4hr and 51 minutes and provided all necessary documentation. I was told I would receive an email explaining the incident that the representative stated was clearly fraud with a file number, within 48hrs. I never received the email or the number. I did receive a link to reset my account with new email. I have not received a refund either. I did file a police report and also to the FTC.
Consumer complaint received 2022-03-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NV)

This SCAM XXXX XXXX was suppose to be doing a no down VA loan. Then he tries to scam me out {$90000.00}. He logged into my bank and made false and misleading statements. He also did not want to do the loan because my realter is XXXX XXXX. This XXXX XXXX is a low life SCUM bag that is XXXX. He should have his license terminated.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affiliated Acceptance Corporation (GA)

On XX/XX/XXXX XXXX XXXX XXXX - XXXX sent my account to the collection agency ( AFFILIATED ACCEPTANCE CORPORATION ) due to an unacceptable error on their behalf. My son relocated to another one of their locations and a fee was accessed for some unknown reason. I've had several conversations with XXXX to no avail. Directly after said conversations, Affiliated Acceptance Corp placed this account on my credit report. To remedy the situation I agreed to pay Affiliated Acceptance Corp with the understanding they would remove the account from my Credit File. As of XX/XX/XXXX the account is still on my credit report.
Consumer complaint received 2021-10-27
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. (NJ)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX Balance : {$290.00}
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (MA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 are the lists of the inaccurate inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX