davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

A computer glitch that was TransUnion 's problem - not my problem - it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and that myrights were violated by TransUnion. Can someone help you make TransUnion stop victimizing me and others. I know that this is illegal
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (VA)

Requested on XX/XX/21, a copy of my early warning systems report, which is said to be sent within 15 days. Called on XX/XX/21, since had not received. Rep informed letter sent requesting additional info. To date, have not received either report or allegedly sent letter.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IA)

Recently we refinanced through XXXX XXXX and they sold the loan to PHH Mortgage Services. After our loan was sold to PHH, the service on our mortgage account has been horrendous. They do a terrible job of communicating and applying our payments. XXXX XXXX  sent us a letter on XX/XX/XXXX after our refinance was complete. It gave the address of where to send the first payment to PHH and the due date of XXXX. So I set up the address on XXXX XXXX pay and sent the first mortgage payment on XX/XX/XXXX. PHH did not get the payment posted for XXXX until XXXX!! I called XX/XX/XXXX to find out where our money was because it cleared out of our XXXX XXXX  account. The PHH call rep said, " Nothing will post until after XXXX because we still don't have your account all set up. '' The payment for XXXX posted on XXXX. On XX/XX/XXXX I sent the second payment. It was also applied on XXXX. The statement we received from PHH on XXXX showed the second payment was applied to the XXXX payment. So no additional payment was required until XXXX. So I did not send a payment for XXXX. Today I just received in the mail two items from PHH. One is a refund check for the XXXX payment I sent. They coded it as " For Misapplication Reversal. '' The second item was a bill showing us past due for the XXXX payment. I am beyond frustrated with their terrible service!!! I am looking to refinance with a better mortgage company. It is unacceptable and my credit score better not be impacted as a result of this inept company!! I have called the PHH XXXX # numerous times and have been disappointed in their lack of knowledge. Plus, I get a different address to send payments to each time. I have no trust that they can manage my funds.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

I have previously sent my police report and the affidavit to each credit bureaus via certified mail I have mailed the documents several times over the last four months. The last time I mailed the documents was XX/XX/2019. I have also filed Identity theft with FTC. No actions have been taken by the companies.
Consumer complaint received 2023-01-30
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. (FL)

This is XXXX XXXX XXXX XXXX and I am submitting this CFPB Complaint to request to you to remove the fraudulent accounts I found you have been reporting on my Credit Report. I believe I am a victim of Identity theft and these accounts were the results of such crimes. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here are the accounts that I need you to remove from my Credit Report ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00}. I have read that according to the Fair Credit Reporting Act section 605b, you are required by law to have any accounts and information removed from my Credit Report as soon as possible. Please comply with the Fair Credit reporting Act aand have the disputed accounts removed from my Credit Report as soon as possible.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

Today i Went to XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX store # XXXX '' ) on XXXX XXXX XXXX XXXX  XXXX XXXX new york XXXX Spoke to customer sales counselor XXXX XXXX, from whom I was asked if I wanted to apply for a store card. I expressed interested and after I completed the purchase, I found out that the " store card '' was in fact a store branded credit card that was issued by SYNCHRONY bank. Synchrony bank, as an issuing bank, shouls be accountable for the actions that these sales people take part in. This is completely unacceptable, trying to mis lead customers into thinking they are getting a perk but in fact they are signing up for 26.99 % APR credit terms.
Consumer complaint received 2021-04-27
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. (KY)

Someone has opened up a card at XXXX XXXX on XX/XX/2021. When I noticed the card on my credit report on XX/XX/2021 I reported it as fraud on both TransUnion and XXXX. I even opened up a fraud alert on identitytheft.org. When I filed the claim on identitytheft.org XXXX took it off immediately. I have filed approx 6 different disputes through TransUnion they keep stating that XXXXXX/XX/XXXX verified information and said it was me. When it wasnt. I have been trying to get in contact with XXXX XX/XX/XXXX since XXXX but the numbers I called would not transfer me to anyone unless I had the card number. I do not have the card number as to I NEVER opened up the account with them. I have finally was able to contact XXXX IXX/XX/XXXX on XX/XX/2021. I spoke with a XXXX from XXXX XX/XX/XXXXwho couldnt help me and transferred me to XXXX. XXXX advised he had opened up a fraud alert for me and that I should get an affidavit sent to me in the mail within 7-10 days. I called XXXXXX/XX/XXXXback on XX/XX/2021 I spoke to XXXX. I told XXXX what was going on an how I have not received the affidavit, he stated that the account was closed and alerted as Fraud and it was an error on their end and stated AGAIN I should be getting the affidavit in the mail. I STILL have NOT received the affidavit. I called XXXXXX/XX/XXXX again today on XX/XX/2021 spoke to XXXX she could not help me and told me to call back within 1-2 minutes. I call XXXXXX/XX/XXXXAGAIN still XX/XX/2021 spoke to XXXX she stated there never was an alert on the account as fraud and she opened up another fraud alert and stated that there will be an affidavit sent to me in the mail within 7-30 days. I call TransUnion to see if there is something they can do on XX/XX/2021 he advised that there was nothing they can do at this point because XXXX XXXX is still stating that I was the one to open the account when I didnt open the account. He said there was nothing he can do and he will open another dispute but it will most likely get closed again since I had already opened up 5.
Consumer complaint received 2017-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

In XX/XX/XXXX I contacted BBVA Compass Bank regarding my HELOC. I advised that due to several factors ; loss of a job, extended unemployment and closing of a business, I could no longer afford to pay my normal payment. I was able to put 2 payments to the end of my loan and apply for a modification to address ongoing payments. On XX/XX/XXXX I submitted a Borrower Assistance Package and asked for a temporary modification. Over the course of approximately 2 months I provided all additional requested documentation and waited for what I hoped would be a positive outcome. On or about XX/XX/XXXX I received a letter dated XX/XX/XXXX that my request for a modification was declined because the underwriter felt I could afford my regular payment. I also confirmed this via telephone conversation. The information provided showed that my average gross monthly income was approximately {$5000.00} and that my estimated expenses were {$5500.00} not including food, utilities and medical expenses. I have seen a lot of loans in my career and this does not equate to anything a lender would approve. My debt-to-income is over 100 % based on these # 's. I do n't believe the underwriter gave my request fair and accurate assessment. Interesting that as part of the declination letter they gave me options to add to my loan balance to increase my payoff later or to increase my monthly payment higher than what I was looking to obtain relief from. In the mortgage business I have seen dozens of borrowers who were in much better financial ( income ) than I am and have obtained for lenders who were interested in helping customers who had a long record of on-time payments. This is the only time in my entire life that I have been faced with this financial crisis. This was not due to financial mismanagement but due to unforeseen life occurrences ( laid off from job, unemployment and failure of a business ). I believe their approach is to deny modifications to build up amounts due on homes that have some equity, knowing they will get more funds later or to keep loans that pay a higher rate to accumulate interest. My rate was already high at 6.25 % and they have now raised the rate on my mortgage to 18 %. My balance has gone from approximately {$97000.00} to almost {$100000.00} in just 3 short months. How can this be legal and how can this be the alternative to a justified modification? I am asking for assistance to mediate this request for a modification and to determine whether their process, increased interest rate and declination was legal.
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XX/XX/XXXX and XX/XX/XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, XXXX Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$990.00} from XXXX or XX/XX/XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XX/XX/XXXX and XX/XX/XXXX asking them to validate this debt. No information was provided back to me from XX/XX/XXXX or XX/XX/XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

GOOD AFTERNOON XXXX XXXX XXXX XXXX - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DC)

My original mortgage was serviced by XXXX XXXX XXXX XXXX  and later transferred after I refinanced in early XXXX. Currently my mortgage is serviced by Freedom Mortgage Corporation. In XX/XX/XXXX I received the escrow account disclosure statement ( attached ) indicating my account had a Shortage Amount in escrow due to an increase in taxes or insurance. To avoid changes in my monthly Mortgage payment I elected to pay the Shortage Amount in full, {$240.00}, with my XX/XX/XXXX payment and contacted Freedom Mortgage to determine the best method for payment of the additional amount. My XXXX payment included my current mortgage amount, {$2100.00}, plus the {$240.00} shortage payment. See Mortgage Statement dated XX/XX/XXXX attached. 

In spite of the Shortage payment made in full to reach the required minimum balance in Escrow with my XXXX statement, I noticed in my XXXX Statement the Escrow amount shows an increase of {$43.00} ( {$420.00} to {$460.00} ). I dont understand why, nor has ( Freedom Mortgage ) the mortgage servicer been able to explain satisfactorily the increase. 

The Escrow Account Disclosure Statement indicates the Projected Minimum balance and the Required Minimum balance to determine the Shortage Amount. By paying the Shortage amount I shouldnt have the shortage spread automatically over the next 12 months or an adjustment to my currently mortgage payment amount of {$2100.00} without any data to support the adjustment. 

Please see attached statement XX/XX/XXXX as a point of reference for my original loan amount before the XX/XX/XXXX increase. 
The contact person ( Escalation Specialist ) I spoke with at Freedom Mortgages name and information is : XXXX XXXX Email : XXXX Ph. XXXX or XXXX ext : XXXX
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Credit not being applied to load balance. Ditech keeps making excuses ; they verify they have the payment, but refuse to use it. I tried several times to have them apply this amount to the next monthly bill, ended up having to make late payments because they didn't apply as they had been asked to do. 

The issue may have started in XX/XX/XXXXbut was exacerbated in XX/XX/XXXX. Two payments were applied in XX/XX/XXXX. Both are acknowledged by Ditech when talking with them on the phone. This acknowledgment has done by several agents in the multiple phone calls with them to resolve the problem over the overpayment. In previous phone calls, it was understood that the over-payment would be applied to the next month 's mortgage bill. Instead, it was not, and late fees have been applied. I am providing the invoices so that the new interest charges for XX/XX/XXXXcan be seen. XX/XX/XXXXwas the month the overpayment should have been used. Ditech had the entire month to apply this over-payment, instead, they chose not to apply it for XX/XX/XXXX. Another couple of phone calls were made. We were told that an investigation needed to happen, and they wanted back statements to prove what they had already acknowledged as a payment in their system. Again they were asked to apply that over-payment to the bill immediately. They did not. They were asked to use it for the XX/XX/XXXXpayment, and they did not. After multiple phone calls in XX/XX/XXXXand XX/XX/XXXX, they still have not completed this supposed " investigation '' on their part. 

I called twice this week. Today I was on hold for a supervisor for 55 minutes before they hung up on me. I see multiple complaints about them delaying/making excuses about applying the credit toward the monthly payments. It appears this is the method they are using to rack up late fees. Things seem to have gotten worse since their chapter XXXX filing. 

I am looking for a solution to this overpayment, which they acknowledge but refuse to refund or apply to the monthly mortgage payment. 

Please let me know what info I can provide to help with this recovery of funds paid. Thanks for any assistance you can provide.
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Ocwen loan, the owner of my mortgage stated I did not have insurance on my condo. I pay monthly condo dues that include insurance. The insurance is through XXXX XXXX and has not changed in years. Ocwen, out of the blue and unfairly, is stating I must pay them for insurance. I notified them in XX/XX/XXXX and they were rude and did not care about this and only wanted me to pay the arrears. I have not missed one of my {$300.00} payments. I additionally have a cease and desist order on file and they have continously harrassed me with calls to my cell phone.
Consumer complaint received 2023-04-08
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-30
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. (FL)

Transunion is reporting an inaccurate credit card account on my credit report that is hurting my credit score drastically. This is the only bureau that has this account on my credit report. Inaccurate reporting. The account is from XXXX XXXX and the balance is saying {$940.00}, says the account was opened XX/XX/2013. I told Transunion about to inaccurate reporting and that their the only credit reporting company saying this account belongs to me nothing has been done.
Consumer complaint received 2017-08-10
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: WELLS FARGO & COMPANY (MD)

Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent XXXX this information over numerous times but have not verified anything with me. I receive a letter from XXXX  stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if XXXX does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016, X/XX/2016, X/XX/2016
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a Capital One credit card user. I have used their service without problems for many years but within the past month Capital one has decided to slash my credit limit in half despite the fact that I have never had a late payment with them. I am angered that they decided to blindside good customers with this action but I am REALLY XXXX off that their {$5000.00}, unexplained cut in my credit limit has resulted in a 3 point drop in my credit worthiness. I worked very hard to get my credit score into the " excellent '' range but Capital One 's arbitrary action has dropped me out of the excellent range ... all through no fault of my own. 
I called the company to get their side of the story and I was sorely disappointed in their response. I worked my way up through the ranks of their customer service people to be told by a manager that there was nothing that could be done about the credit limit or the credit score.
Consumer complaint received 2019-10-30
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Robert A. Schuerger Co., LPA (AL)

XXXX XXXX XXXX at schuerger Law is completely unprofessional. He has harassed me via email and telephone calls for weeks. The calls have gotten so extreme that Ive received 10 in one day. I sent a cease and desist letter as a result. The debt he is referring to was signed in 2008. He says that I owe {$860.00} and that it must be paid immediately. He also claims that he is collecting the debt on behalf of XXXX University and not as a debt collector. The age of this debt is beyond the statue of limitations in Alabama which if he did his research he would know.