davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IA)

Freedom Mortgage services my account. The account said I owed XXXX. I paid {$1600.00} dollars. They Credited the account. When I got onto the web site it had credited the XXXX but said I still owe {$520.00}! My escrow amount isXXXX. 

I called the company for an explanation on XXXX XX/XX/2019 at about XXXX XXXX. XXXX ( # XXXX ) had no explanation. 

I have not had an explanation on how I can pay off the principle and yet owe more money on the principal. 

He said I needed to have a " payoff amount '' calculated and that there would be a a {$30.00} charge. I asked the reason and he said it was the " law ''. I asked for him to quote the law. After about 20 minutes on hold he told me THERE WAS NO LAW. That the company charges loan payers that amount to tell the payer how much the mortgagee has to pay the servicing agent to pay off the loan.

This is obvious fraud as I was told the amount to pay off the loan is one thing and suddenly another loan principle appear. Further the agent for the company lied that there was a law and then there was no law.

I fail to see why I should pay a company a fee ( read profit ) for them to tell me how much I owe.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

I have 4 erroneous accounts that appears on my Experian Credit report with Account number of XXXX. They have respective balances of {$33000.00}, {$53000.00}, {$26000.00}, {$8500.00}. These accounts are in current status and are duplicates of same accounts which already appear on my credit report as current accounts.
Consumer complaint received 2019-10-29
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX
Consumer complaint received 2018-02-13
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: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX Indiana Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and XXXX marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and XXXX factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX XXXX in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX IDs Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX XXXX scams using XXXX IDs and business permits frauding using XXXX birth certificate
Consumer complaint received 2018-02-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a mortgage from Countrywide originally. Then was bought by Bank of America after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. Bank of America then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both Bank of America and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either Bank of America or XXXX XXXX loans since 2012.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CREDIT CONTROL CORP, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX, XXXX, XXXX, ON THE PUBLIC AND PRIVATE SIDE. Failure to provide such documentary evidence is a clear violation of XXXX XXXX XXXX ( a ) ( XXXX ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( XXXX ) because I have a right to privacy.
Consumer complaint received 2018-02-13
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: Rent Recovery Solutions (GA)

My name is XXXX XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night  when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit, People are also putting apartment and other things in my people will also put in the apartment and other things on my name
Consumer complaint received 2018-10-04
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHARLES SCHWAB CORPORATION, THE (NC)

I filed a complaint about a week ago but I didnt receive a confirmation so I dont know if I filed it incorrectly but just Incase Im going to submit it again but on XX/XX/18 I received an email saying that my XXXX  report had been pulled for a hard inquiry for my mothers account. I never gave permission to my bank to pull my credit and it makes no sense as to why they would pull mine because Im already a member and already had my credit pulled for my account. The lady from bank told me she also does not understand why they pulled a hard inquiry on me either because I got a hard inquiry pulled for my account earlier in the year. She told me to dispute it with the credit bureau. I know this is all a misunderstanding but my credit dropped 7 points and I got another hard inquiry and I only have two on my report and both are from same company! I was working so hard to get my credit to where it is now because I have been eyeing a card from chase for years which Im just now possibly capable of being accepted for but this hard inquiry and credit drop really change that possibility for me. Please help me
Consumer complaint received 2019-10-29
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX****,  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX
Consumer complaint received 2019-10-29
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. (HI)

Please reverse the late payments reported on the following accounts : XXXX XXXX XX/XX/XXXX****, XX/XX/XXXX XXXX****, XX/XX/XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XX/XX/XXXX XXXX**** and XX/XX/XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

I do my mortgage payments through my personal checking account through XXXX  XXXX XXXX bill payment. I have recurring payments set up with XXXX  XXXX XXXX and somehow 2 payments were sent to M & T Bank ( mortgage service company ) on XX/XX/XXXX one for {$990.00} and 2nd for {$990.00} I immediately called both XXXX  XXXX XXXX and M & T since the duplicate payment had overdrawn my account for over {$700.00}, XXXX  XXXX XXXX said they could not recall the payment even if it was done electronically, they stated I needed to call M & T Bank and ask them to return one of the payments, I also told the XXXX XXXX XXXX teller I did not set up 2 payments as it was a recurring payment the only thing I did was to edit the recurring payment to the correct amount of XXXX agent asked and said the app should have given an error message stating that there were two payments scheduled for same merchant on the same date, I told him that the app did not give any error or anything else. I did not added an additional payment, XXXX  XXXX XXXX agent still said I needed to call the mortgage servicing bank and have them return the funds. 
I then called M & T Bank on Friday XX/XX/XXXX and agent said they did not see the payment applied to the account and asked to call back Monday XX/XX/XXXX and I call that date, agent stated she could see the double payment but in order for them to return the funds within 24 to 48 hrs they needed to see proof that both payments came out of my account, agent proceeded to give me an email address, I sent the email to XXXX with attention to Mortgage customer support as directed by the agent I spoke to over the phone and included the screen shot. Agent reassured me once the email is received the funds will be electronically returned to my XXXX  XXXX XXXX account within 24 to 48 hours. I waited till Thursday XX/XX/XXXX and still the funds had not posted to my XXXX XXXX XXXX account. I called back M & T Bank and spoke to a representative agent then stated that it will take 10 business days for payment to be returned to my XXXX  XXXX XXXX account. I told agent that I was told on Monday XXXX that as soon as I send the proof of payments debited from my account. I told agent that was unacceptable and this mistake from XXXX  XXXX XXXX had put me in a lot of trouble and M & T not returning the funds as they had reassured. Call got disconnected. I called again today Monday XX/XX/XXXX and once again told the agent XXXX, I still had not received the funds on my account and agent said that the payment is being processed but it will take another 10 business days and then it would be sent via mail in the form of a check. This is unacceptable is taking them over 20 days for them to return the funds, neither XXXX  XXXX XXXX is not taking responsibility and M & T is just simply holding on to the funds and putting me in a more difficult financial strain. I have complied with all they have requested, my account has never been delinquent, this is just a horrible service from both XXXX  XXXX XXXX and M & T Bank.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Filed a complaint with Capital One with the CFPB on XX/XX/XXXX after they froze all my accounts and withdrew my remaining funds of {$7200.00}. 

XX/XX/XXXX Capital One formally responded with : " Records confirm that the accounts received an XXXX XXXX loan on XX/XX/XXXX for {$12000.00} and an XXXX on XX/XX/XXXX for {$1000.00}. These proceeds were deposited into consumer accounts with no established or registered business. The accounts were restricted on XX/XX/XXXX and investigated. A business decision has been made to return the funds to the XXXX and to close the accounts. '' My loan from the XXXX was a XXXX loan for {$12000.00} NOT A XXXX LOAN. 

On XX/XX/XXXX I contacted XXXX, XXXX, XXXX, and XXXX. I was promptly ignored and did not receive a reply. 

On XX/XX/XXXX I emailed XXXX with my loan agreement, real estate license certificate and my XXXX Tax Returns. These documents were ignored and I was never contacted by anyone from Capital One. 

On XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX at the XXXX to confirm receipt of the {$7200.00} that Capital One has claimed to returned. 

XXXX formally responds with " To date, no proceeds have been received and applied to the XXXX loan. '' It is now XX/XX/XXXX. It has been nearly 60 days since Capital One has claimed to returned the {$7200.00} back to the XXXX. The XXXX still has no record of it and I am still building interest on the full amount of the loan.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND ( XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Consumer complaint received 2021-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I refinanced my VA loan with Freedom Mortgage ( VA streamlined ) and closed on XX/XX/XXXX to lower my mortgage rate only - no cash out. I never received an accurate closing disclosure in advance and only received it at closing. The entire process was chaotic and two loan disclosures provided in advance were not accurate. 

Now my current problem involves home owners insurance. At closing, the company added the full annual amount of my homeowners premium to the loan principal since the renewal premium ( {$1600.00} ) was due on XX/XX/XXXX. ( page of closing disclosure showing premium added to loan principal attached - amount circled ). However, the amount was not added to my escrow account, nor has the payment been made to my insurance company. 

I have emailed Freedom Mortgage twice about the problem : XX/XX/XXXX and XX/XX/XXXX. I received automated responses but never received an answer to my inquiry. Multiple phone call attempts have been unable to reach anyone or unable to achieve any resolution. I have spent more than an hour on the phone today being passed around to different departments with no resolution ( customer service to insurance department to mortgage department, being cut off, starting over, again to customer service to insurance, where I have now been on hold for more than 25 minutes after being asked to wait 2 or 3 minutes while she checked with mortgage department ). 

As of XXXX ( EST ), XX/XX/XXXX, this premium has not been paid to my insurance company and I AM CONCERNED THAT MY INSURANCE WILL LAPSE. 


Thank you for your assistance
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (MI)

I asked them numerous times to verify this debt they claim I supposidly own with my signuture items purchased and all details of this they are reporting as NEW debt when it says collection was open here is what it shows SWISS COLONY / XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (RI)

On XX/XX/XXXX, I sent a request for mortgage assistance to my mortgage servicer, Caliber Home Loans , Inc.. They received my request but told me that my request was incomplete and requested I send the more paystubs and bank statements. I promptly sent the requested documentation. A short time later I called Caliber and they informed me that my request was complete and I was being reviewed for a modification. Next, I received a Notice from Caliber 's attorney that they were foreclosing the mortgage and auctioning my house off. I repackaged my modification request and resubmitted everything to Caliber on or about XX/XX/XXXX. Caliber requested additional documentation in the form of bank statements and paystubs which I prompty sent to them. They acknowledged they had a complete package for loss mititgation review and postponed the forclosure scheduled for XX/XX/XXXX to XX/XX/XXXX. At the end of XX/XX/XXXX, I once again called toncheck on the status of my request and was told by Caliber that my request was not complete and that they were moving forward with the foreclosure in complete contradiction to what they had told me in XX/XX/XXXX when they agreed that my package was complete and postponed the foreclosure sale. 

I believe that Caliber Home Loans, Inc. does this type of " bait and swkitch '' tactic routinely to its mortgage servcing customers and they should be punished for this type of dispicable behavior. I am certain that my case is not an isolated incident and I hope that the Consumer Financial Protection Bureau will throroughly investigate my complaint so that Caliber will cease doing this to me and others affected similarly.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

City property taxes were received in XX/XX/XXXX and sent to my mortgage loan servicer, LoanCare, LLC., on XX/XX/XXXX. Payment due by the end of XX/XX/XXXX was not dispersed from my escrow account to cover my city taxes. Additional follow up emails and phone calls were placed with my loan servicer and I was told that the issue would be resolved. In XX/XX/XXXX, I received a notice from the City of  XXXX that my XX/XX/XXXX payment was not received and that the property taxes incurred approx. {$100.00} penalties and interest and that both installments ( XX/XX/XXXX. and XX/XX/XXXX. ) of my property taxes are due by the end of XX/XX/XXXX. The notice that was received in XX/XX/XXXX has been sent to LoanCare , LLC on XX/XX/XXXX and I was again told that the issue would be taken care of. This morning I noticed that the servicer of the loan has dispersed a portion of the money in escrow back to me in the form of a refund for escrow overages and now there is insufficient funds in escrow to pay property taxes and home insurance by their respective due dates. This loan servicer pulled the same thing on me last year with my county property taxes and I ended up paying an additional {$100.00} out of my own pocket to pay the taxes that were overdue by 4 month. It should not be this difficult to get a loan servicer to do the job they are required to do by federal regulation.