davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I refinanced my home loan at the beginning of XX/XX/2020. The closing documents clearly stated that the XXXX property tax would be payed by the title company at closing. Mr. Cooper the loan servicer received those documents in XXXX. 
The loan had an escrow account that payed both property taxes and insurance. The loan servicer never returned the XXXX tax payment. They did return overages and interest. When I contacted them in XXXX about the missing money they said the money was payed to XXXX XXXX XXXX and that I should contact them. I contacted XXXX XXXX XXXX and they said they never received or did not accept a double payment. 
I have contacted the loan servicer more than a dozen times to attempt to get my money back. Only getting a follow up or return contact stating that I had made a call to them on one occasion. 
In the mean time the loan servicer changed the company that they use to pay taxes. 
I want the tax payment that was in my escrow account returned to me. I think that I should get interest as well
Consumer complaint received 2022-04-05
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. (GA)

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company ( Enhanced Recovery Co ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to  collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and transunion and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.
Consumer complaint received 2021-02-23
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have submitted 4 letters now to Transunion as well as XXXX  to dispute 17 hard inquires on my credit report. They have not removed them and it has prevented me from getting a loan that is needed for some home repairs. This has been going on for at least 6 months now. I was successful at getting the disputes removed from XXXX. I can provide the letter that I have sent to the credit companies if needed. They are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Why has this been so difficult.

Sincerely XXXXXXXX XXXX
Consumer complaint received 2020-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Dear Sir/Madam, I am reaching out to you because XXXX XXXX XXXX   sold my loan to Selene Finance. Over the past 2 years, I have struggled to be consistent with payments and when I have brought my account current, Selene Finance, has found ways to add fees to my account in an attempt to keep me behind on my mortgage. Last year, when I brought my account current they sent me a letter indicating that my account was assessed {$2000.00} in late fees ( some of which I had already paid ), and corporate advance fees which included numerous property inspection fees. I contacted Selene Finance and they indicated that they would investigate the origin of the fees. Needless to say, they never fully explained the resolution but indicated that some of the fees would not be charged. On XX/XX/20, I made a payment which brought my account current and included an extra {$20.00} to be applied to my principal. On XX/XX/20, I received several notifications from the credit bureaus that Selene Finance reported my account late which was not correct. To add insult to injury, Selene Finance assessed me two fees of {$15.00} on XX/XX/20 which I presume were inspection fees. However, it appears they charged me twice to cancel out the monies ( {$20.00} ) to be credited to my principal balance. I sent them a letter last month inquiring why they are conducting inspections several times a month when I have consistently maintained contact with them on a regular basis throughout the past year. They indicated that it's done at the discretion of the service provider. This was odd since I thought Selene Finance is my service provider,  however they are quick to state that they are a debt collector. If that is the case, then why is the only correspondence I receive about my mortgage is on Selene Finance letterhead? It is becoming apparent that Selene Finance does not have the consumer 's best interest in mind. It appears they are subjecting customers like myself to questionable practices which are meant to keep them delinquent in being able to make mortgage payments which may allow them to seek refinancing through another lender. I admit that I pay my mortgage towards the end of the month due to my pay schedule which makes it late. However, I asked a Selene Finance Customer Service Rep if they could accept my payments on biweekly basis and they indicated that they could not. I have made a conscientious effort to improve my credit scores so I can obtain financing elsewhere but with Selene Finance submitting a false report of my account being late made my credit score drop at least 20-30 points. I have read similar complaints from other Selene Finance customers and I need to find out who do I need to contact regarding their business practices. Clearly they are not as transparent as they should be at the expense of their customers. Thank you for your assistance with this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-05
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. (GA)

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

A check drawn dated XXXX/XXXX/2017 on my XXXX checking account was written to my sister and mailed from my home mailbox in Florida and was addressed to go to Ohio. However, the check cleared my account on the date that I wrote it and placed it in the mailbox. This alerted me to the fact that there was a problem with who had negotiated the check. The check has no signed endorsement and was processed by Wells Fargo Bank. XXXX XXXX XXXX had me complete their Fraud Statement of Claimant form. The payee of the check also signed this form declaring that they had not negotiated the check. On XXXX/XXXX/2017 XXXX claims to have mailed a Demand Letter to Wells Fargo. XXXX has not given me any credit for the funds debited from my account. Upon inquiry of the claim status, XXXX representatives stated that I needed to wait 120 days for WFB to respond. On XXXX/XXXX/2017 I called XXXX again, and pushed to speak with a representative, who did a follow-up with WFB. On XXXX XXXX, 2017 XXXX states they emailed an inquiry to WFB. On XXXX/XXXX/2017, I called XXXX and they stated they received an email from WFB on XXXX/XXXX/17 stating the claim was " pending research ''. Wells Fargo accepted a check by one of their customers who negotiated a check fraudulently through WFB. Why is it taking so long for WFB to research the transaction?? I am sitting waiting to receive my {$110.00} back from WFB because they are responsible for the payee signature or lack there of, and processing this check for their customer who committed fraud.
Consumer complaint received 2023-02-23
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. (TX)

I was looking for a car and decided to give this company a try online. I did not ask for this inquiry to be furninshed on me credit report and was not aware that it would actually be a hard inquiry. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/2020 I filed a complaint XXXX the company provided inaccurate financial data in its reply and the CFPB closed the complaint without allowing me to respond. 
I did notify the company, but would like the complaint to be meditated through the CFPB as the regulatory agency in charge of such issues. 
The company misapplied payments, and now has inaccurate financial records that are directly conflicting with my account information. 
I would like the company to fully audit my account and investigate the misapplication of payments and inaccurate accounting of my mortgage payments. 

My original complaint was regarding misapplication of payments. 
The company replied stating I had paid late. This is incorrect. I was fully paid prior to the due date but Huntington inaccurately applied the payments, resulting in a late charge. 
The misapplied payments were an issue. 
The Late fee was an issue. 
The weekly payment was an issue. 
NONE of this was appropriately addressed. 
The late fee was waived but marked as a courtesy, when in fact, it should never have been applied. 
The reasoning for the misapplied payments was not provided. 
The new issue is Omission of payments received. 

My response to the company was : Hi XXXX, Thank you for your response, but it is inaccurate. 
In your response you stated " Further, as outlined in the terms of your Mortgage Note, if a full payment is not received by the conclusion of your XXXX grace period, a late fee is assessed to the account. Our records indicate one ( 1 ) {$51.00} late charge was charged on XX/XX/2020 because the full payment amount was not received by the due date. Please know that as a courtesy, the fee was waived on XX/XX/2020. Ive confirmed there have not been any other late charges assessed to your account. '' However, you omitted several XXXX payments from your accounting -- see screenshot below : XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} XX/XX/XXXX {$350.00} My full payment was not due until XX/XX/XXXX. 
As such, my payment was fully paid and the late fee was inaccurately assessed due to misapplication by your team. 
I will also provide this response to the CFPB and request that your response be corrected to reflect this information. 

I also reiterate my original claim to be permitted to pay weekly, pursuant not only to the Code of Federal Regulations, but also, Huntington 's offer of services, of which I just received an email today inviting me to pay more to experience the benefit of saving over time. 

As such, I will officially reject this response with the CFPB and hope that Huntington can provide an updated reply with this corrected information and offer. 

Finally, I do intend to continue to pay weekly, as I have been and am currently paid in advance, as I have been. 

Please advise in your response if Huntington is rejecting my partial payments going forward. 

I also attached screenshots of my payment records directly from Huntington.
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (OH)

I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all 3 of the accounts, and that all 3 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 3 items remain on my credit report and need to be removed.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (AZ)

Please see previously filed CFPB complaint ( XXXX ) This is a complaint from XXXX XXXX ( represented by XXXX XXXX XXXX XXXX XXXX XXXX ) against TD Bank. We have made multiple attempts to communicate with TD Bank regarding this matter being reported on consumer 's credit report. TD Bank has not responded to any correspondence except the previously filed CFPB report, in which they claimed to have not received a Power of Attorney. When we called TD Bank, they claimed that they had received the original Power of Attorney we sent, but it had been too long and we would need to send another. They claimed they could only receive it via fax -- we sent it both via fax and mail. The fax number they had given us was broken, and they have yet to respond to the letter.
Consumer complaint received 2023-07-20
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. (KY)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (WA)

XXXX, XXXX and XXXX XXXX have trying to collect amount of {$460.00} from me over past XXXX XXXX. I am disputing again since XXXX XXXX XXXX filed derogatory collection at XXXX in late XX/XX/XXXX. 

The previous debt collection in same amount filed in XX/XX/XXXX was resolved in XX/XX/XXXX after I disputed with both XXXX and debt XXXX. XXXX said my account was no longer there, and it was XXXX XXXXXXXX fault to file at credit agencies. I just wish XXXX XXXXXXXX do the right works, and stop harm consumer and honorable individual.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

There is a collection account on my credit reports for Credence Resource Management with an original creditor of XXXX XXXX XXXX. This account was bought from XXXX XXXX which previously was on my credit reports but was deleted because they were unable to verify and validate this debt. This debt is not mine and doesn't belong to me and being that XXXX XXXX could not verify and validate this debt I am 100 % positive neither can Credence Resource Management. I was also never notified of this account being sold to Credence Resource Management which is illegal to not notify of someone of a debt before reporting to the consumer reporting agencies. This account should be deleted from my credit reports.