davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (SD)

I have a mortgage with Franklin American Mortgage Company. Related to my complaint is an insurance claim from hail damage to my home for which I am attempting to recover funds. I have endorsed and forwarded checks to Franklin American from my insurance company as well as all documents required. I have correctly followed the procedures required according to the website and the customer service representatives to whom I have spoken at Franklin American. After having my roofing job inspected for them, Franklin American still will not release the money to pay the roofing company. Currently, monies totaling {$7600.00} are being held by Franklin for both roofing and window repairs. Instead of only repairing the cladding to our windows which was approved by the insurance company, my wife and I decided to replace all the windows in our home at an additional cost to ourselves. Because the documentation for the window replacement exceeds the amount to repair the cladding approved by my insurance company, Franklin American told me that they can not release any monies to me until I pay my window contractor in full. 
Franklin American is making it nearly impossible for me to effect repairs and pay the involved contractors. Their information and requirements change each time I speak with them. 
This is the second time Franklin American has made me jump through hoops in order to collect the money they hold from my insurance company. The first time Franklin American retained funds was when my last house sustained hail damage. I feel unlucky that my current mortgage was bought by Franklin American on the secondary market. 
I am requesting that the CFPB look into the practice of Franklin American mortgage company keeping their borrowers ' insurance funds far longer than acceptable. I can only surmise that it benefits Franklin financially to retain my insurance funds.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MI)

Had a call from Wells Fargo customer care and recovery group regarding a complaint letter we had sent regarding their mortgage application process and how badly we had been treated. When we called they informed us that they were recording the call.. We said, we are recording the call also. She said she could n't talk to us if we were recording the call. What gives? They can record us but we ca n't record them? How does that work?
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAVY FEDERAL CREDIT UNION (MO)

Navy Federal credit union began to send me collection bills and account deficates on an account I didnt have, they proceeded with collection activities and threats that took weeks to deal with and my banks help to unfold the damage they created. In the end I received a vague response letter from them and a promised follow up to clear up the mess they created for me, which never happened from theyre part. I had never heard of navy federal and had never had any accounts with them until they sent statement, letters and threats to me.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (TN)

I knew i was late, i called and talked to a girl there, she first started telling me in a very loud voice about not having a grace period which i replied I know and i always pay the later fees. I also told her to inform XXXX to quit calling me at work, and that I ca n't always answer my cell phone at work but I do call them back. XXXX has repeatedly called at my work leaving messages on the company voice mail. He even left XXXX on a Saturday when he was told again not to call here.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

My credit card was used to make a purchase at Macy 's store number # XXXX. The initial attempt of $ XXXX was declined. The XXXX attempt of {$80.00} was approved. My bank alerted me of this and canceled my card. My fiance 's debit card was also compromised and she 's handling this with her bank. The only location we used our cards in the same place was in the XXXX XXXX in XXXX, GA.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (TX)

To whom it may concern : You recently stated that my dept was sold to a collection agency. Since the dept was sold to a collection agency, it is required by law that you mark this dept accurately on my credit report. If it was pay for less, you must mark it as pay for less or remove it from my credit report. 
XXXX SALLIE MAE BANK XXXX
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2023 i got a fraud alert on my XXXX XXXX transunion consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union is reporting that a bill has not been paid for {$170.00} and is in collection status. The Bill is from XXXX XXXX and has been in dispute status for several months while I was trying to get the insurance company to pay it. Finally got the bill re-coded properly and Insurance company paid it. After 3 attempts to get this resolved, They are still showing it as unpaid.
Consumer complaint received 2015-05-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (TX)

My lender mailed me correspondence stating that my mortgage payment was due to increase effective XXXX XXXX, 2015, due to increase in tax amount. I disputed this because they were basing my amount from the previous owners taxes and it did not reflect my homestead exemption ( credit ). Called my lender and was instructed to go to my local tax office and obtain the estimated taxes for 2015 and then fax that along with the letter to a number that was given to me for the tax dept. On XXXX XXXX I went to my tax office an obtained the document that was now available. Faxed it directly along with the document that was sent to me from the lender to the number given then called to check that it was received. Confirmed it was received. Was told that it would take a week or so and that the monthly payment would be corrected to reflect the exemption and new tax amount. Was instructed to make the " new higher '' monthly payment XXXX XXXX, 2015 so that we did not default and any overages would be refunded. As of today we still have never been contacted by anyone from Pacific Union Financial regarding are payment issues. We had been in constant contact throughout the month of XXXX with the lender because we had a new baby and our payment was going to be slightly late. We were told numerous times by customer service agents that it was ok, this was our XXXX late payment, no late fees would be added, and any other fees that might apply would be waived. We felt certain all would be fine since lender instructed us that it would be. We did make the payment before the month ended. 
On XXXX XXXX, 2015 called Lender to discuss the payment/ taxes. Was told by CS that nothing could be done until XXXX 2015, which is in direct contradiction to what was originally told to us by the tax department! Asked to speak with a manager immediately, or someone in authority. No one was available and was told I would receive a call back, no one called back. Next day, someone did phone my husband and again said nothing could be changed until XX/XX/XXXX, so he requested to speak to a manager or senior manager to discuss all the issues that we have been having. As of yet, no one from our loan company has contacted us. 
Yesterday we decided to look into refinancing the house to get away from this lender, the XXXX lender I contacted informed us that in XXXX 2015 our lender filed with the XXXX major credit bureaus a 30 day late notice, making both myself and spouses credit scores drop XXXX-XXXX points, putting us into a lower bracket that we now do not qualify for a refinance. This is extremely unsettling considering our lender numerous times as we were in contact with them stated that our account was fine, no fees or actions to the account would be taken. We have been lied to, mislead, and still have open ongoing payment and tax issue with this company that refuses to contact us or attempt to fix the situation, we have no idea what we can do next!
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (SC)

I applied for  the Amazon Visa Rewards c ard for the cash back and promotiona l Amazon  credit. I currently h ave   XXXX   ca  rds and a good credit score with no marks against it. Chase did conduct a hard credit inquiry, so they were aware of my standing. I 'm certain that I qualify for this credit card.      I was asked to submit proof of my identity such as a government issued ID. I sent a copy of my state driver 's license and a copy of a recent bill. I was then notified that the application was closed, and I was given no reason as to why. I also inquired as to what I could do to satisfy their requirements to prove my identity, and they would not tell me. I called multiple times and spoke with multiple representatives, and none of them could give me a reason for the closure or information about what I could do to satisfy them.
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MT)

I tried contacting them about responding to an education award request made through my XXXX  portal and they have no information regarding it or even see it on my account despite the fact that I called and checked with XXXX  before I called MOHELA and did confirm from XXXX  that the holdup was occuring on MOHELA 's end of things. I made this request almost a month ago ( XX/XX/XXXX ) with the hopes that my payment would go through before my XX/XX/XXXX deadline for resuming payments after my term of forbearance. They are attempting to conduct a " Payment refund research request '' which I don't know if that is even a real thing, since they wouldn't send me email confirmation of anything we discussed about regarding my loans and account. I have a conversation key which I was told could be used by other customer service parties to help them better understand what I will be asking in the future. KEY : XXXX I called at XXXX on XX/XX/XXXX and was on the phone for 91 min. I do not trust MOHELA 's ability to service Federal Student Loans seeing as they are not even able to accept lump payments such as mine requested for {$13000.00} in XXXX from a National Service Trust, and largely due to their inability to provide meaningful assistance to borrowers who simply want to pay off their loans. I know they have the ability to accept money from the national trust because they accepted an interest payment for {$150.00} but have ignored my lump sum payment and allowed me to accrue interest on the original principle.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MO)

My father in law had a mortgage at TMS ( The Money Source ). He died in XXXX of XXXX of XXXX I am the legal Administrator of his Estate. On XX/XX/XXXX I sold his house and the mortgage was paid off in full. There was approx. {$3200.00} in an escrow that TMS was/is holding and they will not return the money. I have called over and over and they will not speak to me stating I am not the borrower ( he is dead and they know it as I have submitted both his Death Certificate and my legal court approved Letter of Administration to them multiple times ). Yet every single time I call they will not talk to me. I was directed to a customer care email which had not yet returned my email to them. After having the family 's money for almost 3 months they will not even talk to anyone about this matter. I am a banker for over 30+ years and know this is illegal and quite frankly immoral to hold funds from a family after losing their father to XXXX  . I want this escrow refunded as they would any other paid off mortgage to the Estate.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

I had a credit card with USAA then they cancelled it. Acct no. XXXX was wondering what happened. Then I received a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX I requested Transunion to correct inaccurate information on my credit report. To correct my date of birth DOB. 

Transunion reports it as XXXX and I submitted a request letter with Naturalization certificate ( copy ) XXXX XXXX and XXXX with same DOB. 

In XXXX 2015 I called to TU to find out if they updated my DOB. They did not. 

The woman on TU end asked me to resubmit this request all over again. 
And attach etiher XXXX copy of DC DL. 

On XXXX I resubmitted my request with XXXX mail. 

I attached request letter, and copy of DC DL with birthdate XXXX. 

To Date I did not receive confirmation from Transuion about it. I called to TU last week and asked if TU pdated my DOB? The TU said that they did not update it because they need another letter from me with another copy of DCDL. 

It became endless and I ask for your intervention please to help me with update of my correct date of birth. 

If Transunion is not in business to do credit monitoring, maybe they should sell apples and oranges on the street? 

Please help!
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I have an account that needs to be updated to the correct status. I had a joint account with my son XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXXXXXX the account was reported to CHEXSYSTEMS on XX/XX/2022. This account has been resolved. PAID IN FULL.My Consumer ID is XXXX for XXXX XXXX in the CHEX SYSTEM DATE BASE.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my credit report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

Both XXXX and XXXX have incorrectly verified that the collections requested from Sunrise Credit Service during the dispute process, however I am the victim of identify theft and did not set up, nor had any knowledge of the XXXX XXXX XXXX account in question until it appeared on my credit report. I received the XXXX dispute results on Friday, XX/XX/22 and the XXXX dispute results on Monday, XX/XX/22. 

XXXX correctly removed the fraudulent address associated with the account and yet still verified the collections information as accurate. 

I spoke to Sunrise Credit Services for the second time on XXXX, XX/XX/22 and an investigation is underway. The first time I called them they directed me to XXXX XXXX XXXX and given that their call volume is too high, I submitted a form online to look into the fraudulent account. 

I continue to be disappointed with how easy it is for someone to steal your identify, and how difficult it is to rectify a situation. I have fraud alerts and security freezes set up, yet continue to deal with information that was available previously. 

Thank you for your consideration. I sincerely hope that you can help resolve this issue and work with the credit bureaus to improve how they do business.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2022-09-05
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)

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the XXXX XXXX XXXX my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX