davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lennar Financial Services, LLC (TX)

On XX/XX/2020, I applied for a preapproval with Eagle Home Mortgage. I approved a credit pull, but only one. Instead, Eagle Home Mortgage pulled my XXXX  report, and then pulled a report for all bureaus, including XXXX. This resulted in XXXX inquiries on my XXXX report. 

Eagle Home Mortgage has indicated that it is their policy to pull a report from one of the bureaus to determine if the customer qualifies. After the initial review, they pull a report from all bureaus. This results in the consumer having a double inquiry for one of the bureaus. Consumers are not made aware that Eagle Home Mortgage will pull their report twice. 

I attempted to speak to someone about this for weeks. I left a message with multiple people, including my loan officer 's manager. I informed two of the loan officers and a rep at the company about the issue and they informed me that they would look into it. After weeks, I only got a reply after I contacted them again and threatened to file a formal complaint. Their response is that inquiries are only typically removed if there's an error. They followed up with claims that the second inquiry does not affect my score. They fail to realize that although the extra inquiry may not cause a drop in my score, the mere fact that it increased my total number of inquiries does affect my overall creditworthiness. They are also missing the point that I did not authorize them to pull my report multiple times. 

Eagle Home Mortgage should discontinue their practice of pulling consumers ' credit reports multiple times without their permission. When consumers provide permission to have their credit pulled, they have every reason to expect the company to only pull their information once and to seek permission for subsequent inquiries. I did not grant Eagle Home Mortgage the freedom to pull my credit as many times as they wish. I provided approval for one credit pull. So, one of the XXXX  inquiries should be removed.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

I had a friend who made a payment towards my card with Wells Fargo. He later on pulled the payment back. I had used my card for utility bills which put my card over its limit. I had spoken to people in a local branch, over the phone and via email regarding setting up payments so I could pay it down. I even spoke to the fraud department. They had said I am unable to set up payment arrangements due to it being a secured card. I was not disputing the charges just trying to get it paid down. Wells Fargo closed my account saying there was no contact although I emailed weekly and had been making payments weekly- biweekly to get it down. After Wells Fargo closed my credit card they forced an automatic payment of {$850.00} from my checking account XXXX  times I closed all my accounts. This all happened in XX/XX/2018 and they have a {$1500.00} deposit that they have yet to release to me or put towards my card. I am still in contact with Wells Fargo also know as scam artists to the every day consumer and nothing has been corrected.
Consumer complaint received 2021-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XXXX, 2021 weve made two payments on our mortgage to Nationstar XXXX DBA XXXX MR. Cooper. One via check USPS priority mail mailed on XX/XX/2021, is for XXXX payment the second payment dated via online portal XX/XX/2021 cleared paid on XX/XX/2021 and for XXXX payment. The Payment for XXXX, check # XXXX {$2700.00} via mail MR.Cooper did not apply it into our account until the month of XXXX, and the payment for XXXX {$2600.00} is reversed into our account instead. The XXXX payment is missing just disappeared. Weve learned about the missing payment we login into our account when we made a payment for XXXX, so now the XXXX payment went into XXXX payment because MR.Cooper is refusing to correct the error theyve made on our account. We called several times, fax, and mailed all the paper work from our bank account additionally we had a 3 way call with our bank and an agent name XXXX on XX/XX/2021. XXXX advice us that our account will be corrected by XX/XX/2021. He provided us a case number : XXXX we cant pay our XXXX payment until our account is corrected otherwise if we pay now it be applied to XXXX payment weve already paid XXXX payment. As of XX/XX/2021 our account are not corrected theyre giving us the run around.
Consumer complaint received 2020-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OR)

We entered into the affordable cares act by calling our Freedom mortgage and after just one month our balance has been increased {$2200.00} I was told it was for interest and that the loan would be charged interest every month and added in for every month missed during the cares act forbearance plan. 
I asked the lender where on the forms they sent that this was stated and he couldn't find it. I also stated that the cares act states that no interest would be charged on late payments. 
According to Freedom mortgage not only will the interest be added but once I start making my payments I will still have to repay the full amount that I forbear 'd. 
So that means interest will be charged on the cares act twice. 

This will and is already effecting my credit score due to the balance increasing monthly. 

My loan # XXXX with Freedom Mortgage XXXX XXXX XXXX
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received several notices in the mail from Portfolio Recovery about an alleged debt in the amount of {$710.00}. I responded by sending multiple certified letters asking them to validate the alleged debt. In response, they have sent me a bill from XXXX XXXX on two separate occasions. I followed up by calling Portfolio Recovery and notifying them that a bill does not equate to debt validation. I was rudely spoken to and told to either pay the collection or let it be. This is unacceptable.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (FL)

XXXX  XXXX bankruptcy has been dismissed & closed since 2016 and was unauthorized to use ... my information was disclosed publicly without my consent used in determining my public records & banking XXXX lending process based off inaccurately reporting on all 3 bureaus... i have freeze on my social on all 3 bureaus /XXXX  XXXX  so therefore this info shouldnt be publicly given r disclosed without my consent... please investigate and send correspondence to my email @ XXXX ... ive disputed 3/4xs this year n made complaints to bureaus nothing is done...
Consumer complaint received 2020-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

My name is XXXX XXXX, First let me start off by saying Im very much experience in the collection business and I was not astound by how I was being handled with on the phone. I received a very unprofessional and threatening call by some company that works with the Ace payday services which they claimed they where a hired locator in XXXX XXXX by ace. 
But I do remember receiving a {$100.00} loan from ace checks cashing place and then bad times hit! And I needed that loan now I must have lost track of the loan and forgot. This third party agency that I do not know the name of called my Mother, Father extended family and literally stated to each of them that they are a locator for XXXX XXXX gave them a classified number which they stated is a case number for XXXX XXXX but possibly might just be a file number in their system. 
I was not running for them or refusing, but once I got the info I gave them a call back and spoke to some lady that stated her name was XXXX. 
She was going into that I owed {$100.00} and plus addition charges and late fees totaling over {$350.00} dollars but before I could even respond, she started threatening me with legal charges saying that I violated a contract committed fraudulent activity and will be paying additional {$1200.00} ( around that number ) for arent fees if it goes to court. And then afterwards she stated I can either negotiate the balance to pay off of be in court I kept stating to the rep or whoever she was that I was willing to pay the {$100.00} she stated she will only accept the {$300.00} continuously asking am I paying it today threatening me if I dont not it will be charges. I became upset for how she was abiding the conversation I hung up the call and she still called random family who I havent spoken to worry them and violating a right of discussing of sharing personal business and threatening legal actions and using unnecessary tactics and abusing you power of rep and most likely just a regular debt collector. My father also just called not to long ago telling me that I have a pending case with XXXX XXXX by the same person I spoke to the first time trying to get in contact with me. We also was receiving private calls with no caller Id which I think is very abnormal. 
I do hold ace check cashing place responsible For breaking sever consumer rights and marketing rights. I was Harressed, Threatened,  blackmailed, misinformed and personal business was shared with another party without my permission.
Consumer complaint received 2019-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mitsubishi Motors North America, Inc. (TX)

Had an auto loan with Mitsubishi they say we were late one month out of the entire loan. That was the month that we moved an switch addresses. I called them to give them the information of our new address. I get a call the next month stating our payment wouldnt go through. When I had them check they sent the payment through using our old ZIP Code but our new address. I asked him to make notation of this error on their part and they said that it would not go against my credit.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

On XX/XX/2018, XXXX alerted me that ONEMAIN had requested access to my consumer credit report. I had no knowledge or did I give my consent for ONEMAIN to review my consumer credit report.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA (MO)

The lady who helped me at this bank was very nice and this saddens me to file the complaint because she is a good person : but Ive tried to work this out and my time is being wasted. It seems nothing gets done right unless I file these. So here we go - First off I was lied to by a division of the bank and A guy named XXXX XXXX from XXXX who do merchant processing. He told me he needed my personal info but would not check credit and I received a hard inquiry he then said was a soft pull. I have screenshots of text proving I told him dont touch my personal credit for the business or I would not sign up. He lied. I filed a complaint with the FTC, and that inquiry accounts for 10 % of my score and stays on my report years. 

Missouri law says I may bring action against anyone who harms me or my credit report. I demand financial compensation for XXXX XXXX XXXX lies and actions in the amount of {$250000.00} for deception and fraud. 

Next up is a nice kid named XXXX who I asked to updated my business address. I told him its fine to leave my personal address but my business needs to be right and matching all other docs and accounts. He told me he updated it but my card keeps being declined and will only work when I use the old zip code I asked to be updated. 

I called and a guy name XXXX transferred me to XXXX who was rude at the customer service number and it upset me. They are also forcing me to provide my ssn number on business account when I call in even tho I have a ein or duns number they can use for verification. 

I own a llc which is a desperate entity from the business owner under Missouri state law. Again I have the right to bring civil actions against anyone accessing filing they should not. By requesting my ssn for my business account daily my rights are being violated. 

I dont mind providing it up front when opening account which I did to prove Im not a terrorist or money laundering as XXXX XXXX explained. But after passing the know your customer check my business should be respected as a separate entity. I wont request money from fnb because I like XXXX as a person and she has helped me and been nice. Im going to simply politely ask you to have customer service use ein to verify when I call in and update the address on biz account to grandview like I asked XXXX to do. I dont demand compensation because you have treated my fair in the past. 

Im very sorry to file this complaint on your bank but the way XXXX treated and talked to me when I called in is unacceptable.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I have reached out on the behalf of the borrower to the last known mortgage holder to obtain a Discharge. They have provided the attached letter stating that they can not help with the Discharge. This mortgage has been paid off. 

I need to obtain a Release/Discharge for the following : Mortgage from XXXX XXXX XXXX XXXX to XXXX  as Nominee for Mortgage Master recorded with XXXX XXXX Registry of Deeds at XXXX, Page XXXX ; as assigned to GMAC Mortgage, XXXX via XXXX recorded with said Deeds in Book XXXX, Page XXXX ; and purportedly discharged by XXXX  via instrument recorded with said Deeds in Book XXXX, Page XXXX. 

Please consider this a request for a Release of Lien from Ocwen  as Servicer for GMAC Mortgage, XXXX.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (TX)

LJ Ross and associates flagged my account for collections and didnt ever disclose any information to me, they didnt validify the debt, and didnt even disclose where the debt is from or who it is even from. The only reason I know their name, is because they attempted to take negative action against my credit without calling, contacting, or confirming the debt with me verbally, or by documentation. in the past I have had debt collection amounts verified as not being owed because of billing errors or being incorrectly charged, etc. on numerous occasions.so the fact that they didnt even contact me or inform me that I can dispute it, and then reporting it on my credit report in an attempt to hurt my credit, is not only distasteful and unprofessional, but completely against acting as a fair debt collection agency.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My identity got stolen, and they opened the account from Capital one. I have been disputing and fighting for my case. Capital one said that I used my XXXX account to paid the debt. And I said whoever stole my identity opened it. They dont believe me. So I filed a XXXX  through XXXX. To proved that I did not open the account through Capital one.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

My mortgage was recently transferred from XXXXXXXX XXXX  to Mr Cooper in XXXX. All of their written communications said that any payment made to XXXX before the transfer for XXXX payments would be automatically forwarded to Mr. Cooper. I made a mortgage payment for the month of XXXX to XXXX on XX/XX/XXXX for {$840.00}, before the transfer of mortgage took place, with the understanding that the payment would be transferred automatically to Mr. Cooper. It still has not been. In order to pay my mortgage for XXXX through Mr Cooper I had to pay the XXXX mortgage AGAIN since they would not accept payment for XXXX without the payment being processed for XXXX, which XXXX  or Mr Cooper still haven't processed, so I have now had to pay my mortgage for XXXX TWICE, which I can not afford. Neither companies is able to help me or tell me where my money is or when it will be transferred.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Incorrect information on credit report should be deleted immediately. 
Sent documents to bureau called and sent certified documents. Collection agency XXXX XXXX  XXXX also sent letter and updated status stated it should be forged with no response from credit bureaus. 
Account # XXXX Amount ; {$540.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX United States
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

We purchased a house in XX/XX/2019. We have an escrow on our mortgage account despite we put more than 20 % down. Our property tax is {$78.00} a month. Our mortgage company collects {$390.00} a month from us. The money we paid excessively in XX/XX/2019 was not refunded yet. I made an inquiry for escrow analysis, no respond. I told them we are struggling to pay our mortgage because of the pandemic. We lost our second income. Do they have a right to collect excessive amount of property tax from us? Do they use the money all year for their own benefit? We want to receive our excessive escrow ASAP and have them stop collecting escrow from us.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: United Financial Service (CA)

I previously submitted a complaint against UNITED FIN ( ORIGINAL CREDITOR : 09 XXXX XXXX  ). I filed an Identity Theft Report with the FTC. I followed the instructions given to me by the FTC. I sent copies to each bureau as well as the creditors instructing them per the FTC to block the accounts that were listed in my identity theft. The instructions went unnoticed and my rights as a consumer under the umbrella of the FCRA requirements for information furnished were violated. The laws that are not being followed in my case are : THEY CANT REPORT INACCURATE INFO. THEY MUST PROMPTLY UPDATE AND CORRECT ANY INACCURATE INFORMATION PREVIOUSLY TO THE CREDIT BUREAUS. 
THEY CAN'T REPORT ACCOUNTS THAT YOU HAVE PREVIOUSLY REPORTED WERE THE RESULT OF IDENTITY THEFT. 

Dating as far back as XX/XX/21 which was when I had originally filed the FTC report you can see that United Fin never acknowledged the rules and continued to report as if the law did not apply to them. I have included a copy of my credit report that shows that the errors alone in Date Last Active, Date Opened have never been corrected. I understand that a complaint I recently submitted was rejected due to the fact a complaint against this company was previously submitted, but the nature of the violation makes it so the complaint is a new one due to their won ton disregard to the law.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mother passed away, and I have taken over her mortgage payments. 
Since XX/XX/2019, I have assumed the debt owed on our family home. 
I have sent the mortgage company official documents proving I am the executor of the estate from my lawyer. 
I have also provided them with an updated 911 address, since the address they have on file is no longer valid after the re-zoning. 
They have not offered any assistance on refinancing in my name. 
Only stating that I am listed on the account, but this is unofficial/not valid for refinancing. 
They have not updated the 911 address, despite documentation from our XXXXocal county office. 
I would like to refinance the mortgage with another lender, but this company has made this extremely difficult!
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I did not and they are invading my privacy.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Which they did not and I also got this deleted from experian for inaccurate information and the debt not mines.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX