davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

I have been working with loan company for a few years before COVID I was approved with modifications and paper work with my father In law whos a veteran on our home. I have been spun around in circles. I had to hire an attorney. Please help.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Inquiries : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I asked my mortgage company for a modification. They did not grant one.  However, they added an escrow account to my loan account. My property taxes are current and have never been in default. And, after more than 11 years into my mortgage, the company initiated an escrow account to pay for taxes that I have been solely responsible for and paid since the inception of my mortgage. I have more than 40 % equity in my home. My down payment was over 20 % so that I avoided both PMI and an escrow account. Can my mortgage company force me into paying an escrow account after 11 years?
Consumer complaint received 2022-03-31
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. (FL)

In accordance with the Fair Credit Reporting Act 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 @ : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Technologies, Inc. (GA)

XXXX XXXX refuses to write a letter of each of my payment is the last twelve months they are sending a activity report. All of which prove in the last day of each month a payment was made for the exception where they held a check for an entire month in XX/XX/XXXX and sent in back to me due to no account. a complaint was filed with XXXXthey removed it only to put it back on my report and they have it noted in the system. credit tech. refuses to uses common sense and read my activity that was reported. The offer demanded that it be in a certain format.
Consumer complaint received 2023-02-19
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX ( XXXX ) switched banks to service their credit card to Commenity Bank. I was in good standing with XXXX 

The transfer of accounts from one bank to the other should have been a transfer not a closing of one account and an opening of another.
My credit score took a big hit 28 points by Commenity Bank closing my account. This account with XXXX XXXX was opened less then a year ago and had only {$66.00} left on the account. Because Commenity Bank closed one account and opened a new one- my credit score went down. 

They wo n't do anything to fix the problem. If this was the situation with a new bank taking over an account, I feel like I should have had the option of closing my account on my own without opening another one.
What can be done to fix my credit score? This wo n't sit will with a mortgage company seeing a 28 point loss this week.
Consumer complaint received 2024-03-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (CA)

Buyer interested in assuming my VA mortgage with Mr. Cooper. Application packet was received by buyer and sent back to lender overnight on XXXX. I called the lender to confirm packet received, but lender is stating it was not. Packet was signed for from overnight carrier. Packet is now lost. 
More importantly, lender is stating that loan processing time for loan assumption is 4-6 months, while a standard application can be closed on within 45-60 days. Lender is stating that it " takes more to assume a loan '' where in actuality, the process has less steps.

Agent that I spoke with told me that all customers requesting a loan assumption are told it takes 4-6 months for this " procedure ''. I asked for clarification on the procedure, and I was told the steps that it takes to assume the loan, which are the same steps that it takes for a start from scratch loan. 
It is my understanding that one you provide them with 6 pieces of info -name, ss #, address of new home, estimate of value and loan amount they then HAVE to consider it an application and send you a loan estimate, ( LE ) within 3 business days, they have to use diligence asking you for any information they need and have 30 days to render a loan decision and have 45 days to consummate the assumption transaction. 
Waiting 4-6 months to assume a loan is crazy, especially in todays technology driven processes where most documents for the transaction are completed and signed online. Mr. Cooper is not making as much money on these types of transactions, and is therefore dragging their feet on the processing hoping the seller/buyer just give up. 
This is not right and needs to be addressed asap.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (WA)

XX/XX/XXXX Dear Sir : This is a comlaint against this HunterWarfield, XXXX XXXX XXXX XXXX, XXXX FL XXXX Fax : XXXX XXXX Phone : XXXX This company has done the following which seems illegal 1 ) Added false information on my credit profile : It has added a claim of about {$800.00} when with reference to my prior house rental lease, when in fact I have already confirmed with my former landlord that no charges remain.
2 ) Broke the law, specifically Fair Credit Reporting Act ( FCRA ) by : Failing to provide the original documentation on which this claim is based on. When I requested to e-mail it to me as I was not receiveing their mailed items, their agent Maning provided misleading information that they can not email as per FCRA. I later checked FCRA and it allows for communciation over e-mail.
Here 's the relevant excerpt from the FCRA > > ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I have already issued 2 written notices to Hunter Warfield to either provide written documentation or remove this item from my profile. But they are not acting XX/XX/XXXX XX/XX/XXXX Please take the necesssary legal action to get this questionable company 's claims off of my credit profile, and audit the legality of this company 's operations. 

Thanks
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

other XXXX XXXX XXXX XX/XX/XXXX {$4500.00} credit card XXXX XXXX  XXXX XX/XX/XXXX {$85.00} credit card WELLS FARGO XXXX XX/XX/XXXX {$7100.00} credit card XXXX XXXX XX/XX/XXXX {$1400.00} credit card XXXX XXXX XX/XX/XXXX {$7600.00}
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

After filing a complaint to get a copy of loan payment history records with CFPB on XX/XX/XXXX I received the requested information on XX/XX/XXXX. 

In their letter Specialized Loan Servicing ( SLS ) that both my account transferred to SLS on XX/XX/XXXX, XXXX and the account in question was due for the XX/XX/XXXX post-petition payment. The other account was correctly shown as having the payment due XX/XX/XXXX. 

After review of the payment histories provided and my payment records I see that I paid XXXX payment to the prior Loan Servicing company and did not owe an XXXX payment to SLS as they stated. They have been wrongly charging me a XXXX late fee since they took over this loan. 

I sent a certified letter stating the problem and asking it be corrected AND I be refunded the improper late charges and included documentation from XXXX XXXX that they had received the XXXX payment on XX/XX/XXXX. 

I received a reply from SLS dated XX/XX/XXXX saying the received my letter and my case is under review. I have since made MANY phone call but have not received any answers or reply 's and the errors have not been corrected. 

They said in their letter they would have a response issued to me within state and/or federal regulations timeframes. I don't know what those timeframes are but I do know it have been 6 months!
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (KS)

They have called me repeatedly over the past few weeks. They have been calling from several different numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have refused to disclose any information regarding my debt amount and verification and have demanded that I " resolve this issue immediately ''.
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (CA)

Many weeks ago, an individual named XXXX from Ford Motor Credit called about another individual 's account and did n't say why she was calling. I told her it 's probably illegal for her to be calling me and told her not to call again. She called me again minutes ago. I 'm pretty sure that 's harassment.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (MD)

On XXXX 2017, a letter disputing an item being reported on my credit report was delivered to Carmax in XXXX, GA. I requested that they investigate the account and return the results to me directly. After 45 days, I had not received a response and called for further information. They indicated that they had lost the letter. On other occasions, they attempted to collect a debt without disclosing that as an intention. On at least one occasion, this occurred on an outbound call. I would request that this item be removed promptly as is provisioned in the FCRA wben data furnishers are derelict in their duty under section 623.
Consumer complaint received 2020-05-01
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. (CA)

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified XXXX XXXX format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Consumer complaint received 2018-02-09
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. (FL)

I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

The original creditor is listed as XXXX XXXX. I have NEVER had an account with this company. 

I disputed it and the company said the debt is correct. How can they add something to MY credit report when I have NEVER had an account with them?
Consumer complaint received 2018-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

I sold Bitcoin to username ( XXXX ) on XXXX. The buyer then did a reversal of funds by claiming the payment was unauthorized. The transaction date was XX/XX/XXXX and I was notified of the reversal of funds on XX/XX/XXXX. The transaction amount was for {$7300.00} ... The transaction was through PayPal and I have been in constant contact with PayPal regarding the situation. PayPal has ruled in favor of the buyer because they say they don't cover digital transactions. I sold a product valued at {$7300.00} and received the money for this product. Now PayPal wants me to refund them the money for this product but I have no way to recover the product ( Bitcoin ) which I sold. I have screenshots of everything concerning the transaction including payment verification and my communication with both the buyer and XXXX. I'm a person with fine credit and am being victimized by this whole fiasco. I'll include everything I have showing my transaction. Thanks!
Consumer complaint received 2021-07-06
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. (GA)

I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this information, and remove it once its confirmed that it is not mine.
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (UT)

I thought this issue was cleared up over a year ago but it is most distressing that yet another collection agency, Allied Interstate LLC, is calling looking for the previous owner of the property we now own. We have owned this property for 34 months. I have attempted to explain such to them, to no avail. Their repeated calls continue. My request to speak with a supervisor are ignored and they hang up on me. With the latest call on XXXX XXXX, 2017 at XXXX I was able to speak with a supervisor whose I English I could barely understand. Will he heed my request to stop these calls? I could n't tell, as I was unable to understand him. Anyway these Debt Collection Services are not to be believed. Please assist in having these calls interrupting our life.
Consumer complaint received 2018-03-19
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. (IL)

In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX XXXX  removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.
Consumer complaint received 2018-06-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

On XX/XX/XXXX I tried to set up a bi-weekly payment of {$310.00} every two weeks arrangement with Ocwen. I have never been late in the 10 years of my mortgage loan. However, Ocwen has set up a barrier into the bi-weekly automatic system in which they will not allow a bi-weekly system unless you've paid an entire 30-31 days before the next payment is due. For example, I've paid for the entire month of XX/XX/XXXX, but they won't allow me to do bi-weekly until I have paid they entire month of XX/XX/XXXXfirst and my bi-weekly won't start until XX/XX/XXXX. I believe this is a form of steering their customers not getting into bi-weekly payments, thus having their borrowers staying longer into their debt. The actions of the company where this statement " You have to qualify for the option of bi-weekly payments. If you don't qualify for bi-weekly you have other option of monthly payments ''. My response, " I've been on monthly payment option for 10 years. You're steering me away from the bi-weekly option and keeping me in the monthly payment '' I would understand why this control feature is necessary for people who are late on payments. But I've never been late!
Consumer complaint received 2018-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX I was looking to purchase tickets off of XXXX for XXXX XXXX XXXX vs XXXX XXXX on XX/XX/XXXX. I found tickets I wanted. Each was {$120.00} and I went with 2 for {$240.00}. I texted the number in the ad XXXX, the seller provided screenshots of the tickets he claimed to have. We agreed I would send the payment and he would transfer the tickets electronically. All seemed normal and asked for the payment to be made through XXXX. I've seen the commercial with the guy buying lemonade off some girls on a walk so I thought, Why not this should be straight forward enough and chase would have my back since they advertise it. His email was XXXX and name was XXXX XXXX. Payment was made at XXXX pacific time, after 20 minutes no email or anything. Surely enough I was scammed. I called chase by XXXX and they turned me away. I literally asked " so does chase or XXXX not offer any protection '' customer care said " no I'm sorry have a good day ''
Consumer complaint received 2024-01-26
Product: Credit reporting 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)

I would like to have all hard and soft inquiries deleted off my credit report because Per 15 USC 1681, I gave no written consent for this information to be reported. Also 15 USC 6802-6805 and 16 CFR 313.2 both state that I can opt out of anything on my credit report at anytime. The privacy act of 1974 also covers that I have a right to privacy of all my personal information. All these inquiries need to be deleted immediately! based off law, I would like {$1000.00} to be debited to this account for this mistake or I will take legal action. Routing # XXXX Account # XXXX the FCRA, 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.