davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

I have been working with XXXX XXXX XXXX ( XXXX ) and LoanCare to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( LoanCare ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to LoanCare from the county as no payment was due. When LoanCare received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX to LoanCare and that LoanCare would need to reimburse me for the escrow shortage. I then began to work with different agents from LoanCare to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with LoanCare. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. LoanCare, a XXXX company, Nationwide Mortgage Licensing System ( NMLS # XXXX ) XXXX XXXX, XXXX : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (KY)

On or about XX/XX/XXXXI recieved in the mail 'EMERGENCY MORTAGE RELIEF 'letter explinig how XXXX get my mortage lowered, i called the number provided and started the process after speaking wit the loan spec., I BEGAN THE PROCESS I recieved and signed all paperwork required .After speakng on a conferance call with ny mortage co. and the above named co. I was insructed to send payment in the amt of XXXX in XXXX mthly payments which was at a 2 % new rate on my home. .after the last payment was sent i followed up with the XXXX XXXX only to find no longer was there any service numbers active. XXXX now XXXX mths behind on my mortage, I need help pls!!!
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (SC)

Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.
Consumer complaint received 2018-07-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (MO)

I have been contacted at least 5 times a day for over a year from several different numbers that all start with XXXX * I have stated every time that the debt has been paid and also I have faxed over that the debt has been paid * I was informed by this company that the debt is still owed and I may have paid a scam company and that's on me but the debt is still owed to the company that is contacting me now
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (IL)

I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX and Caliber Home Mortgage.
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I supplied NMAC MOTOR ACCEPTANCE CORP. WITH REPORTS AND DETAILED INFO ABOUT MY IDENTIFY FRAUDULENT LOAN OF {$13000.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I BEEN TRYING TO RID THIS FROM MY RECORD MANY TIMES. THEY REFUSE TO TAKE ACTIONS. I FILLED OUT THERE PACKET AND SUPPLIED ALL REPORTS. THEY KEEP SAYING IT'S EITHER IN REVIEW OR SEND IT AGAIN. I'VE BEEN HARRASED CONTINUALLY BY THEM AND THERE 3RD PARTIES. I'M NOT RESPONSIBLE FOR THIS LOAN AND WANT IT OFF MY RECORD. NOW THAT IT'S BEEN OUT OF A CERTAIN TIME FRAME THEY REFUSE TO HELP. I CALLED AGAIN TODAY AND THEY ARE UNABLE TO TAKE ACTION.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (HI)

Equifax continues to report credit card account information that is older than XXXX years. After I disputed the report, Equifax stated their investigation conclusion as " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. Date of Last Activity : N/A '' It 's not possible to verify 'N/A ' as a date. The attached document is a prior credit report indicating this account was due to stay on the report until XX/XX/2015. Once XXXX passed, " N/A '' was substituted for an actual date, and the account remains on the report. I believe no investigation occurred and information older than XXXX years is still being reported by Equifax, despite being removed by both XXXX and XXXX.
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XX/XX/2022
Consumer complaint received 2021-02-21
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. (NY)

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, TRANSUNION any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (FL)

Westlake Financial Services financed my loan ( 4year ) on my truck in XX/XX/XXXX. I had the truck 9 months and the truck was totaled at no fault of my own. XX/XX/XXXX. I owed XXXX on the truck. The at fault driver of the accident only had XXXX worth of insurance. They paid XXXX to West Lake in XX/XX/XXXX. West Lake will not refinance the loan for the other XXXX dollars. They said there is a daily interest and a lot of the money they was paid in went to the interest. They will not look at it as though its a 4 year loan and more than half is already paid off, they hit me every month with late charges and interest. The monthly payment was XXXX a month. I had to have another vehicle so I now have two truck payments of XXXX a month and XXXX a month. I can not afford both. I have tried to make smaller payments to them ( XXXX ) and they still want the whole amount of XXXX and charge me late fees and etc. They are aware that the truck was totaled, XXXX XXXX came and took my truck. If you paid a majority of the loan off in the first year why wouldn't they work with us and take off some of the interest or at least lower the payment and be feasible.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (KS)

Diversified Consultants makes robo calls to my home phone morning, noon and night. I do not owe anyone, absolutely no one, any money. They ring 4 times and then hang up. I want the interruption of my home stopped and stopped now!
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (CO)

XXXX, which did not protect my data, and has still not provided full details on what information was stolen and why my information was on a server that could be accessed sent a letter in XXXX that then " gave '' me Identity Protection and said it was available to sign-up but when I tried to sign up the system says that it has expired, even though it was within the 90 days of their XXXX letter. Note it has taken me some time to reach out to file this complaint due to other commitments. As in my previous complaints against this company they have refused to provide information on the details of the breach or to provide lifetime protection for their negligence. In addition they say they offered identity protection but in reality their " alleged '' offer is not true as I can not even login with the information that they have provided. At this time the company has released my information, unlawfully, even though I am not a client of theirs currently, I didn't choose to be a client of theirs and when I stopped being a client I requested that they remove my information from their systems. They say they offered a short-term time of credit monitoring yet when I tried to use it, it was not valid. I would hereby request that I be provided with lifetime credit monitoring since I could be subject to a lifetime of issues due to their negligence through no fault of my own. They have also lied to the CFPB about their offering credit protection services to me.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (NC)

Hello I tried to dispute a number of inquires on my credit reported that I noticed and did not authorize. I disputed these inquiries with Equifax and the original creditors on XX/XX/XXXX. Equifax responded to my dispute and stated the inquiries are factual which is extremely frustrating because I did not apply to any of those places. I even submitted an ftc report which was requested. I dont know what else to do its clear my credit has been compromised and these folks will not help me out. 

Here are list of the inquiries dates and requests that I sent in through the mail. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

7. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

8. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report.

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

14. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

15. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report. 

16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX please investigate this fraudulent inquiry and delete it from my report.
Consumer complaint received 2021-03-04
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. (IL)

This company is reporting fraudulently amounts on my credit report. XXXX XXXX posed as a different company on the phone and I agreed to pay thinking it was another company. This company had already reported negatively on my credit report as a charge off ... the initial balance they alleged I owed was {$2100.00} in XXXX of 2020. Since then each month they have reported late fees of {$58.00} dollars monthly. I have proof this company is a fraud and is very deceptive. XXXX opened a account in my name under deceptive and fraudulent information. They should not have the right to bully consumers and impact their lives, by reporting false and fraudulent information on my credit report.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XX/XX/2019, I was late on a single Kohl 's payment for a nominal amount. It was a simple slipped my mind situation which I rectified when brought to my attention. I have no other late payments on my credit report with any company. I have asked Kohl 's multiple times to please remove this from my credit report. They continue to refuse to do so even though it's been more than 3 years since the one late payment. I feel it is unfair to continue to have this ding on my credit even though my account has been in good standing for more than 3 years.
Consumer complaint received 2021-02-22
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. (FL)

CREDIT INQUIRIES DOES NOT BELONGS TO ME, IVE CALLED TO THE REPORTING AGENCIES AND STILL NO RESPONSE. I SENT LETTERS AND STILL NO RESPONSE
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX I contacted Barclays to defer payments on my account due to the COVID 19 pandemic. After they gave me the run around, I was finally able to speak with some to waive my payments. I was advised I would not have to make a payment for 2 months. Well, they lied! I had to file a complaint with you guys last month because not only did they not waive the payments like the promised, I was charged a late fee. Not wanting to compromise my credit, I used my stimulus check and paid the XXXX and XXXX 's payment totaling {$430.00}. I received a letter from Barclays ( which they also sent you all a copy of ) stating my payments will be deferred for 2 months. Well, I just received an email notification advising I have a payment due on XX/XX/XXXX. HOW????!!!! They are LIARS! I'm still out of work until mid XXXX. I can not make the payment.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, MD XXXX, Creditor Phone # : ( 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, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

XXXX appears to be engaging in deceptive promotional marketing practices. I called to start a refinance with them on XX/XX/XXXX based on a promotional mailer I received offering a {$500.00} lender credit at closing and a {$500.00} XXXX  gift card mailed once the refinance closed. I communicated this with loan officer throughout the process and e-mailed him a picture of the mailer. I also communicated this with the loan processor and e-mailed her a picture of the mailer. We have had XXXX signings scheduled, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The first time no one showed up. The second time the notary arrived with documents that excluded the promotion. Despite repeated e-mails and phone calls to both the loan officer and loan processor, it took XXXX days for them to get back to me. The loan processor said the issue lies with the promotional department and she is having the same issue with XXXX other customers. Clearly theres an effort by XXXX to avoid honoring their promotions. Im concerned that other customers may either give up or not recognize that they are not getting the promotion. For XXXX loan processor to have XXXX customers going through the same issue is a clear indication of a systemic attempt to defraud.
Consumer complaint received 2021-03-04
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. (GA)

AROUND XX/XX/XXXX, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCRURATE INFORMATION. 
FRADULENT ACCOUNTS- XXXX XXXXXXXX XXXX XXXX , XXXX XXXX XXXX XXXX FRADULENT HARD INQUIRES : XXXX  XXXX XXXXXXXX XXXX, XXXX  XXXX , Factual Data , FRADULENT HARD INQUIRES : XXXX  Factual Data , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT ACCOUNT-XXXX Collections-Unknown- XXXX XXXX FRADULENT HARD INQUIRES : TRANSUNION : XXXX, Factual Data FRADULENT ACCOUNTS : TRANSUNION XXXX XXXX XXXX, XXXX XXXX WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT.

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCULDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stewart Information Services (NC)

On XX/XX/2018 XXXX and XXXX XXXX sold our home ( XXXX XXXX XXXX XXXX, Washington DC ) to XXXX XXXX and XXXX XXXX. At settlement, The Stewart Title Company explained to us not to discontinue any bills and that they would be responsible for paying the water bill to keep the services on. They told us this after we paid the pro-rated water bill {$220.00}. The {$220.00} was drafted out of our account, after XXXX XXXX after I vacated the premises. 
1. Stewart Title company paid XXXX. and XXXX and I paid {$220.00}, which made a credit amount of {$440.00} cr. on the account which is still in our name. I talked to XXXX XXXX ( XXXX ), the escrow specialist and she is supposed to send an OCR to XXXX XXXX XXXX XXXX to discontinue and remove our name off the water records. I talked to a Mr. XXXX from XXXX XXXX ( XXXX ) and he said they had not turned anything in.
Consumer complaint received 2021-07-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The original creditor is Capital One Auto Finance. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the capital one repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that Capitol One had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that Capitol One sold the debt to XXXX XXXX who has been less then professional. XXXX XXXX not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have XXXX XXXX and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.