davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act XXXX account # ending in 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 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (MO)

I had an account with Upgrade and paid it in full on XX/XX/2022. Prior to the account closing I was on a hardship plan and no payments were ever missed. Upgrade has sent two credit correction letters to the credit bureaus to have my payment history corrected. Both times the correction was made, but I am having this problem again this month. Why is Upgrade still reporting anything on me and my account is closed and was closed last month when I reported the same issue to them. If my account is closed Upgrade should not be reporting anything to the bureaus, but they continue to do so and it is affecting my credit score
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc. (NJ)

I applied for a Mortgage with SOFI, I have a XXXX credit score, more then enough assets, what ever they asked for I provided at least twice, and in a timely manner, there web site had numerous problem, that prevented them from not seeing what I sent, even though I can see it, that said I locked into my mortgage on XX/XX/XXXX and its still pending with no end in sight, every time they ask for something I give it, then that ask for more, they give me a day to get it for them, every single time that ask I give, within 24 hours then they ask for more, they admit they lost track of things, I want this mortgage to close ASAP, I more then qualify for this kind of mortgage, Im not taking money out, Im just having the rate lowered, please advise me what to do, SOFI is supposed to be easer to get these things done, yet I can not, again every time I give them what they ask for, they ask for more. 

Thanks, XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (GA)

Delete Collections from XXXX  XXXX from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; XXXX A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX I went to check my credit score for a program I am going to participate in. I can not get my score, I have tried 3-4 places ; experian, XXXX, my bank XXXX XXXX XXXX XXXX. Each one can not give me my credit score, frustrated I decided to try again later. 
Today XX/XX/XXXX I go to check and spend more time trying to get my score over the phone and on websites and apps of the previously mentioned companies. Nothing came up, on XXXX it said I had some sort of installment account opend XX/XX/XXXX and listed options. None of which I did or have. So I selected none of the above. 
2nd question asked about monthly payment, which I selected none again because I don't have any payments. 
3rd question asked about a XXXX  loan XX/XX/XXXX which I have none and selected none of the above again. 
4th question is about a mortgage loan in XX/XX/XXXX. I don't own a home and I am paying rent each month to a landlord. 
Also the third time I did this step the question concerning XX/XX/XXXX debts was about a car loan and now it says XXXX  loan. 
Then it says We can't complete your request at this time. Please call the Customer Care team. 
I call the number and can't get ahold of a person to talk to, the phone line says only selected individuals with certain needs can speak to customer care. I called several times using different prompts to try and reach customer service. 
I believe it might be fraud holding me up on getting my score because of the questions asked about my credit account that I have never done before, like the carXXXX loan and mortgage.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I respectfully would be honored to bring forth the mentioning complaint number and case number # XXXX which has been once filed with the Consumer Financial Protection Bureau on XXXX XXXX, 2016 at XXXX XXXX. Truly whereas today I am having the very same problem with Capital One Bank, and their banking practices that remains the same as before, and I had once more would like this said bureau to respond according to the complaint at hand because one year later the same issue exist the calling, the lettering, but yet their management team did not respond to my hopes and wishes to correct the problem within the following months from my original submission of informative concerns towards these unfortunate issues at hand then, and now!
Consumer complaint received 2022-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

My wife XXXX XXXX called Tower Loan in XXXX, LA on XX/XX/22 to pay off my loan. We have the phone call recorded. She spoke with the lady who says she is the manager there XXXX. In the phone call you can hear XXXX tell XXXX the payoff amount of XXXX and that there will be a fee of XXXX. XXXX authorizes the payment and gives her the card information. XXXX says hang on there was a glitch on my computer and I dont know if the payment went through. XXXX got notification on her phone that it ran XXXX and told her about it. XXXX couldnt explain why that happened. XXXX asked her to correct that transaction and run it for the whole amount because we didnt want to pay the {$2.00} fee twice. XXXX told us that she could not do that and she didnt want to run the other part of the payment either because it would charge us. We called to do the payment over the phone for the payoff and paid the {$2.00} fee as a convenience to us. She said we could bring the rest of the payment in the office. XXXX called today XX/XX/22 to be sure payoff was still {$29.00} which is amount we should owe and they told us no that it was XXXX. We got XXXX back on the phone and she was telling us it was because the same as cash option had expired and we had gotten a late fee. We should not owe any of these fees because we called to pay it off on XX/XX/22 and due to XXXX 's mistake it was not paid in full. XXXX said she called and talked to her supervisor XXXX and she told her that they could get it down to {$39.00} but we are still responsible for the {$10.00} late fee. My wife is almost 6 months pregnant and the way they are talking to her is causing her severe anxiety and stress. This needs to be handled. I have heard many people complaining about this company but this is the first and the last time I will ever deal with them. XXXX told me if we didnt pay the XXXX that it will not be paid out and it will be reported to my credit. I need to know if I need to get an attorney involved or what because this is not my fault. XXXX made the mistake and they should not be allowed to treat people this way.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (CA)

DEBT RECOVERY SOLUTIONS is attempting to collect a debt that I do not owe them. They illegally purchased my information from XXXX. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with DEBT RECOVERY SOLUTIONS them and XXXX are in violation of 15 usc 1681 and 15 usc 1692.
Consumer complaint received 2017-08-02
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: Experian Information Solutions Inc. (AL)

There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.
Consumer complaint received 2020-08-26
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. (CA)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}
Consumer complaint received 2015-04-25
Product: Credit card — 
Issue: Late fee — 
Company: COMMERCE BANK (ND)

I had set up autopay for my credit card online with Commerce Bank. On XXXX XXXX, Commerce showed that my payment had gone through in their system. On the XXXX of XXXX, I learned that the payment had been reversed. I contacted Commerce to what the situation was. I went through my routing information with them to learn that my auto pay was XXXX digit off. The support staff was helpful and they changed my autopay routing number over the phone and then deducted the original payment as desired. 

My next auto pay was set to occur on XXXX XXXX. I logged onto my online account on XXXX XXXX to make sure everything was all set only to find out that my auto pay had been cancelled. I re-setup the auto pay but it said my XXXX payment was to go in effect on XXXX XXXX. There were no other options to immediately pay online so I contacted Commerce support again. I stated to him exactly what had happened and that I needed to confirm that my payment would be occurring on the XXXX of XXXX. He assured me that it would come out the next day and I again explained that the online system showed it would n't come out until XXXX XXXX. He again assured me that the payment would come out on XXXX XXXX. I asked for some sort of confirmation number and he stated that he was unable to provide anything but again assured me that my payment would come out. 

Not believing a lick that he was telling me, I emailed customer care telling them : '' -- - Original Message -- -Sent : XXXX/XXXX/2015 XXXXTo : CBISubject : Account InformationI just wanted to leave a message for you regarding my autopay. This will serve as notice if my bank account is not debited tomorrow ( XXXX/XXXX/15 ) that I have indeed attempted to pay on time. On XXXX/XXXX/15, I logged in to confirm what date my autopay would go through. At the time, it appeared that my autopay had been cancelled so I reset it up, however, it showed that my next payment would be XXXX/XXXX/15. There was no other means to allow me to pay online so I contacted customer support over the phone today, XXXX/XXXX/15, to confirm when my payment would be made. The support specialist today me that my payment should come out tomorrow even though online it shows that my next payment is coming out on XXXX/XXXX/15. I asked the customer support person to make a note that I confirm my payment would be coming out tomorrow. If for some reason, it does not and Commerce charges me an overdraft fee, I will notify the CFPB and this email will be included in that complaint. I hate to be pessimistic but I am concerned as the payment online shows XXXX/XXXX/15. " Sure enough Commerce did n't deduct my payment on the XXXX and charged me a late fee. Additionally, I was being charged interest on a balance that should have been lower. Thus, I was fraudulently charged interest in addition to the late fee. This is horrible business practices full of deceit.
Consumer complaint received 2021-03-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LoanCare, LLC (TX)

I have tried to pay a claim that I made with my mortgage company ; however, they refuse to disclose amounts and or invoices of said debt. instead they have advised me that I have a pre-payment penalty. I am trying to clear aid debt ; however they advise me that XXXX is responsible for the administration of the partial claim yet you can not reach nor will they reach out to you. 

here is my mortgage companies contact info : NMLS ID : XXXX XXXX Address : XXXX XXXX XXXX Virginia XXXX, VA XXXX Mailing Address : XXXX XXXX XXXX XXXX : Legal/Licensing XXXX  XXXX, VA XXXX Phone : XXXX Toll-Free Number : XXXX Fax : XXXX Website : XXXX, XXXX Email : XXXX in short I need help closing out partial claim.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently contacted Transunion about inquiries I did not recognize I spoke to several people prior to this one one guy who Informed me that all inquiries disputed will be deleted as well as updates I advise about my employer. As of today none of the information I called about is even showing in dispute or under review. I am asking that all information I requested be removed from my credit report as well as my file be reviewed because the representative mentioned I had two accounts and I wanted to know why and the rep would not provide any information.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

XX/XX/XXXX damage from hurricane Delta happened. I was sent a check made payable to my father 's estate ( I'm the admin ) and also SLS, XXXX. 
With everything happening that year the house didn't get fixed due to foundation issues not covered by insurance. 
SLS never pursued the claim money. XX/XX/XXXX foreclosure sale was executed by the mortgagee by placing a credit bid for the house and it then became XXXX XXXX XXXX property. When this occurs it wipes out any and all debt but in some circumstances if the bid was higher then the credit bid then that creates a surplus owed back to the borrower. And same thing occurs if the credit bid or auction bid is below the payoff balance then the borrower would owe the mortgage company. However no surplus or deficit was created therefore the loan was paid off in full when the mortgagee placed the credit bid. 
I have verified several times that there is no money owed on the loan nor has any collection action been pursued in the occasion money was owed. 
Within these special circumstances since the checks were not considered into the price at foreclosure and the amount was above fair market value the mortgagee relinquished it's insurable interest in the property by placing a credit bid. The loan balance was satisfied. 
I have been giving SLS months to cooperate this matter. SLS like usual they take a very long time to research and get information from " corporate ''. The entire loss draft department can't give me solid answer because it changes with each person I talk to. 

XXXX XXXX XXXX  " If the amount of the bid is equal to or greater than the amount of the promissory note, the mortgagee 's security interest in the insured property is extinguished. And, therefore, the Mortgagee as owner is barred from recovering on a loss which occurred while it was the Mortgagee. ''
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

In XX/XX/2021 I noticed a new collection on my account from Helvey and Associates. I contacted them via phone and spoke to a representative who told me a letter was sent to an address that was not mines. Confused about the entire process and being pressured to pay by the representative I paid the full amount of {$410.00}. I was told the account would be removed from my credit report. It is now XX/XX/2021 and the account is still reporting negatively although it was paid in full and I was told it would be removed. I spoke with a XXXX today who advised her company is mandated to report the account even though it has been paid. I asked her where the original notice of dispute was sent and she read off an address she said they got from a national change of address database. This is a clear violation of FCRA. Not only was I never notified of the debt or given the opportunity to validate the debt. The representative XXXX couldn't even validate my information today in order to prove the debt was even mines.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$140.00}
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (TN)

DOCTORS BUSINESS BUREAU Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and DOCTORS BUSINESS BUREAU is violating HIPAA Privacy laws and I will be seeing them in small claims court!
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX is using XXXX XXXX XXXX to contact me without my prior written consent about an unverified debt that is not owed. XXXX XXXX XXXX is in direct violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. XXXX XXXX XXXX has no business transactions with the consumer and now is a debt collector acting as a creditor. I do not consent to this harassment by XXXX XXXX XXXX. I do not have a contract or any transactions of credit with this agency. I previously served this company with a Cease and Desist from contacting me with false and deceptive forms that they made up of alleged debt. XXXX XXXX XXXX claimed to verify this allege debt with a false and misleading form. Verification is a sworn statement under the penalty and perjury of law of first hand knowledge and facts that I owe this alleged debt. This communication is unwarranted. Federal litigation will begin soon for direct violations from this company. Statement from another company is not verification. XXXX XXXX XXXX is committing mail fraud through interstate commerce. CAPITAL ONE has given my nonpublic information out to this company without my consent. This contact from them is causing me significant harm and stress to my life and financial hardship.