davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I purchased my home in 2006 from XXXX XXXX for {$220000.00} with a co-borrower who is no longer on the deed as we completed a quit claim deed to remove his interest. When XXXX XXXX went out of business, the loan was then transferred and serviced by XXXX  XXXX XXXX and the investment group is XXXX XXXX XXXX XXXX XXXXXXXX and SLS is also a Servicer for the same loan. I fell behind on payments and the foreclosure process began, which I have been fighting for almost 10 years now, I went to court on my own behalf for the first few years, then ultimately sought legal advice, but no permanent resolution was found. I have tried to obtain help having an audit performed but have been unsuccessful. It was determined that robo-signing happened during transfers, but nothing changed. My title has changed hands many times and I believe there have been breaks in chain of title throughout the process giving XXXX XXXX XXXX XXXX XXXXXXXX no rights to my property. I filed XXXX XXXX to stop the foreclosure, but that is not a resolution to my ongoing problem/fight. I am now in jeopardy of them proceeding with scheduling a sale date and am seeking help as time is of the essence.
Consumer complaint received 2022-04-11
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. (CA)

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 given reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (TX)

I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 lending club account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd lending club account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is XXXX, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
Consumer complaint received 2017-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX 2017, I did several disputes with Transunion on the website and the action was seemly completed. Today, XXXX XXXX, 2017, I obtained my Transunion credit report through www.annualcreditreport.com. <P/>I called in to Transunion at XXXX XXXX XXXX XXXX to inquire about the results of the disputes in which the representative named XXXX XXXX informed me that the results were mailed to an address in which I do not reside nor did I list on the disputes.I asked for the document and updated credit report to bne mailed to my correct adderess and she stated she could not as Transunion does not have a copy of that dispute result and since it was already mailed she could not. <P/>I then informed her I have a security freeze, she confirmed it was still active, and that I have the security freeze document which was mailed prior and I received at my correct address in XXXX 2017. <P/>I also asked if the phone call was being recorded, she confirmed that, I informed her I was writing down the time : XXXX XXXX EST on XXXX XXXX 2017 and that I request the phone recording, which she said Transunion does not provide the phone recordings. I informed her I did not believe that was accurate and possibly violated my rights, both recording me without permission and also not providing me that recording as well as not correcting the results of the disputes being mailed to an incorrect address. <P/>I asked XXXX XXXX to please send me to a higher authority at Transunion to request this same action in which I spoke to XXXX XXXX, her supervisor, who also informed me of the same information, in which I asked him to please keep record I called in and also that I am requesting both phone recordings, and have the results of my disputes to the correct address in which both representatives denied my request I asked for both representatives Employee IDs to provide to this complaint, both told me the names XXXX XXXX and XXXX XXXX and that they both resides at a call center in XXXX. I respect both persons, however I do not respect Transunion for not informing these representatives who reside in XXXX that as a U.S. citizen, my reports and information are by law, mine, and I requested and was denied the dispute results ( XXXX XXXX, 2017 ) and updated credit report ( XXXX XXXX, 2017 ). In addition, I requested the phone recordings and my request was also denied. <P/>I informed both I would seek a government authority to request these items. <P/>I ask Transunion to please answer my complaint and that the CFPB take necessary action to inform of the correct procedure to request these items, and also inform and correct Transunion for violating my consumer rights.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CO)

This happened several times over the years, with the most recent experience happening in XX/XX/XXXX. 
I made a large payment with a note to put the payment towards principal only. 
Instead the payment got distributed towards some principal and some interest. They also pre-paid my regular monthly mortgage payments several months in advance. 
I called to have this be moved all to principal. Was told its going to get done. Had to call a 2nd time b/c prior action was only partially done. On this 2nd call, I learned that the company instituted a policy that an account has to be pre-paid 2 months in advance before any large amount can be out towards principal only. Apparently they did this policy change in XX/XX/XXXX, but the agent wasn't sure. 
This was not communicated to me when the policy was changed. Nor was it mentioned during the 1st call I had to make to correct the issue. 
And more importantly, can they actually make this policy? Should I be able to put money towards principal? Especially when my account is paid up, I have no late payments, and in general good standing. 
The misallocation of funds to principal only, when that is a clear request on the funds being transferred and multiple times required to follow up to correct the issue is problematic.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

On XX/XX/2021 a check was cashed against my account from a mobile deposit. The check is not mine nor do I have anything to do with it. The other person who was supposed to be removed from the account was the one who attempted to cash a {$5000.00} check using a bogus name and fake signature. She was paid {$600.00} of that the check was returned and the bank is trying to hold me responsible. I sent backs a removal form to remove her, because she unfortunately makes bad choices and had bounced a large check against her old XXXX XXXX XXXX account. After discussing my concerns in depth before this happen access should have been blocked. This situation is a threat to my good name and credit and USAA is not disputing this transaction that was done against me. I repeatedly asked for USAA policy regarding scams or fraud and I could not get a straight answer. I am in disbelief that a bank would allow this type of illegal behavior.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (WA)

The fee schedule on the account is {$3.00} a month if minimum balance is below {$3000.00}. I have maintained a balance above {$3000.00}. They have been charging me {$2.00} monthly maintenance fee. I called ( repeatedly ) and they finally emailed me back that the fee schedule is $ 2.50/month if minimum balance is under {$5000.00}. The policy they are charging me for is not the policy listed on my account on their website. I suspect they have probably done similar to thousands ( or even millions ) of customers.
Consumer complaint received 2021-05-16
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: Receivables Management Partners, LLC (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently found out Equifax data breach, and reviewed a copy of my credit report. I'm shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This injustice hurts me in the process trying to get a home for my family, the American Dream. According to Equal Credit Opportunity Act ( ECOA ), Equifax harmed me for many years, young credit age, barring me because of my ethnicity as a 2nd Generation XXXX American born U.S. Citizen. ( Equifax even unlocks my credit when I froze it without my permission! ) Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my financial and mental, I stress the need for a resolution within 24 to 48 hours.
Consumer complaint received 2022-04-11
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. (FL)

In Accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

UNAUTHORIZED ACCOUNTS : 1. XXXX XXXX XXXXXXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX  Account Number  : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number  : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX Account Number : XXXX 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
Consumer complaint received 2021-05-13
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. (DE)

i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder XXXX XXXX has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get XXXX XXXX to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.
Consumer complaint received 2021-05-16
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: STERLING JEWELERS, INC. (NC)

I have reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NH)

In XXXX, 2019, I received a letter from XXXX XXXX , XXXX, which stated that they represented XXXX, XXXX in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XXXX, 2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to XXXX, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XXXX, 2019, I received another letter from XXXX  with an attached letter from XXXX. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, MRS BPO , LLC, indicating that my failure to dispute the debt within 30 days would result in MRS declaring the debt valid.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

I signed up for a Chase card by clicking an offer for XXXX miles with XXXX if I spent $ XXXX in first 3 months. I met this requirement in first month. Then Chase said they would n't honor the XXXX miles. I have never received an explanation why, just told it was not applicable to my account. I asked Chase to honor it and then was told there were no offers like the miles offer available. I responded that there was a XXXX offer on the same card right now. Chase affirmed this offer existed. Still Chase offers no explanation why the first offer does n't apply to me, nor do the explain why the current offer ca n't be substituted so at least they can partially honor the original offer. <P/>This all started about 6 weeks ago. I cancelled my previous credit card and moved some reoccurring charges to Chase card. I feel they put the original offer out there to get people pulled in then somewhere they hide clause that must negate the offer. I have no idea what more to do after several emails back and forth with Chase.
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (TX)

Made a loan through XXXX XXXX to have solar panels installed on my home. Mosaic has already paid XXXX XXXX although I reported to them that they had not completed the contract!!! Their contracted company, XXXX XXXXr has already violated my contract by not having my solar system installed and with permission to operate within 90 days. Numerous Failures by XXXX XXXX wiring issues Faulty panels, solar system not installed to contracted plans, documents and designs XXXX commissioning failures and I am out of {$20000.00} due to Mosaic paying company BEFORE CONTRACT WAS COMPLETED!!!!!!!!
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (WA)

I settled with a debt collector regarding a medical debt totaling {$1800.00}. We agreed I would pay {$1200.00} which I did on XX/XX/2020. The debt collector was Central Portfolio Control and the gentleman offering the settlement was named XXXX XXXX, phone number XXXX. 
I recently rec 'd a letter from a different debt collector, XXXX XXXX XXXX, stating I owe the difference of {$540.00}. I do not. I've attempted to contact XXXX by phone and no one answers, I tried chat.. no one answers. I've called the original creditor XXXX XXXX XXXX XXXX, who can see that a debt settlement was reached in 2020, but would not help any further with the debt collector.
Consumer complaint received 2022-01-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (TN)

In XXXX I purchased a XXXX XXXX from Exter finance and received the title. I took that title and traded it in on my current car which is a XXXX XXXX XXXX XXXX. The dealership where i got my XXXX took the title and gave me credit for my car because I had owned it now years later Exeter finance is trying to say I still owe thousands of dollars for this car that has been traded in and payed for. Ive tried to contact them multiple times and explain to them that the car was paid off and the title was received they keep telling me that it was a mistake that I received my title and that I still owe a balance which is not true. I told him that I was going to dispute it through the credit agency and they told me to go ahead that it would remain on my credit for seven years. Their destructive behavior and destructive attitude is continuously bringing harm to my credit report my credit worthiness and opportunities. Please remove help me in dealing with this matter. Thank you in advance
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

In regards to CFPB CASE # XXXX. I am yet to receive the check that was mentioned in the letter either by mailed or email. 
I have called the number on the letter, but no one is available to respond.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

When we got the telephone service through XXXX XXXXXXXX we were told we had service where we lived. Phones only worked on certain roads did not work at house. Was told that a tower was going up after complaints so we would keep. No tower was installed and still phones not working. Was told to bring phones back which we did and the person that took phones told us that we should have never been told that the service would be ok. I was told that the balance would be taken off since we were told a lie regarding service and connection. I have not spoken to anyone since XXXX when phones returned and told would take care of balance. Now they are saying updated XXXX which is wrong.
Consumer complaint received 2022-01-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (HI)

See complaint XXXX. Mortgage bank agreed of removing the insufficient fund charge, a day after refinancing but, included the insufficient fund fee in the mortgage pay off. After calling customer service XXXX of XXXX about the discrepancy I received a verbal reply that the fee will not be refunded to me by management decision.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nathan & Nathan, P.C. (MS)

Got a notice in the mail from Nathan and Nathan P.C. regarding XXXX for the amount of {$6500.00} during this time I had became XXXX  and the debt had XXXX  insurance I do not owe this bill and Nathan and Nathan is trying to collect on a debt that is more than 10 years old. The statue of limitations for the state of MS is 3 years this is going into the 9th or 10 year. Company is breaking the law. I have not heard anything regarding this in nearly 10 years I am XXXX and unemployed. I have not worked in nearly 10 years. This is like prying on the XXXX  because they know I am not working and I do not owe this debt why after nearly 10 years they trying to collect on a bill that the statue of limitation for the state of MS is 3 years this is not right.