davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Sold my home and the buyers bank mailed a check on the XXXX to Bank of America and it was received by BOA on XX/XX/20. During the course of my home selling BOA changed the account number do to a system upgrade and they can not provide me any info on the status of my loan being paid off. The other bank shows the check cleared the bank on the XXXX of XXXX but BOA can not give me any info. To date I have contacted them twice via phone ( 4.5 hours on hold ) and once via email with no response or as much as a yes we have your check. Very rude customer service agents keep putting me back into the phone Que. My BOA account number was XXXX but they changed it for some reason during the system upgrade to XXXX. Payment sent was {$44000.00}.
Consumer complaint received 2020-08-21
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. (VA)

It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Worldwide Processing Group, LLC (OH)

Forward Movement has made numerous calls to myself and family members who were never listed on file with my original creditor. This is in violation of the FDCPA.. Forward Movement refuses to send any documentation or verification letters to me as requested. This is in violation of the FDCPA.. Representatives have been abusive and have harassed me. This is in violation of the FDCPA. 

Forward Movement also uses ghost numbers and a robocaller to make contact, which is illegal as I have never consented to receiving robo-calls from Forward Movement.
Consumer complaint received 2024-02-22
Product: Credit reporting 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)

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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX  Account Number : XXXX and 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 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TN)

I have noticed that this debt was placed on my credit without any sort of communication of the debt before it was placed on my credit. I contacted the company in XX/XX/2022 and asked for a statement in relation to the debt that I was going to dispute and never received any communication. There were no phone calls, no written documentation provided. When I called to inquire about the debt I was pressured to make a payment and I informed them I was disputing the validity of the debt it is XX/XX/2022 and still no communication other than placing it on my credit report.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (TX)

There's a charged-off XXXX credit card account account from Midland Credit Management appearing on my credit report. I haven't had a credit card account with XXXX in over 10 years. Therefore, this account has to be a product of identity theft.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc. (TX)

I applied for a loan on Friday XXXX/XXXX/2020. I've sent number messages to my loan officer on getting a loan estimate. Loan officer does not respond. I sent an email to the lender on XX/XX/XXXX and they never responded/called me. I provided all the required information and lender pulled my credit report. Lender is supposed to provide a loan estimate within 3 business days. It is now more than 3 business days.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove these lates however, I have not been successful.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This is in reference to account XXXX which showed as opened on XX/XX/2020 for the amount of {$200.00}. The original creditor is showing as XXXX XXXX XXXX XXXX XXXX XXXX ). This debt has been showing on my credit report with different collection companies and Ive previously disputed this account since I have not received an original contract with my signature showing this account belongs to me. If you can not send proof as request, I am requesting this debt to be removed from my credit reporting.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I called Chase Card Services and i requested that my minimum payment for XXXX be {$0.00} due to Covid. I was assured by the representative that my payment due was changed to {$0.00} and not making a payment would not charge me fees and NOT make my account past due. 

I was shocked to learn that this was never done by the representative and i was indeed charged a fee and my account history of never ever missing a payment was blemished with a 'late payment '. 

I contacted a supervisor about this and was informed that somebody would look into this and correct the error but this was never done. I then contacted the Executive office and opened a case number XXXX and provided date and time stamps for the call. 

I was mailed a letter from the executive office stating that they did find misconduct on the part of the representative from XX/XX/XXXX where my payment was not made {$0.00}. No callback was ever provided as requested and now my account still deceptively reflects as past due. 

I believe these practices are injurious to me as a consumer and are unfair, deceptive and abusive. I believe the bank has tarnished my consistent history of never missing a payment and the standing of my account. Despite finding a fault on their end stated in writing on the letter mailed out with respect to XX/XX/XXXX, the bank has failed to rectify the issue and continues to injure me.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc. (WI)

State Collection Services Inc. 

XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} All show open status, derogatory Mark 's, zero amounts owed, remarks on Credit report state XXXX Bankruptcy Chapter XXXX. I have contacted them thru multiple letters and emails to please close accounts and provided proof of my Chapter XXXX Bankruptcy as of XX/XX/XXXX. As of XX/XX/XXXX, over a year now ... ... all are are still listed on my credit report. I'm unable, at this point to seek further care from these medical professionals due to these still being listed as BAD DEBT on my medical accounts. All because State Collection Services Inc., has not provided their clients with my updated information.
Consumer complaint received 2020-08-21
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: Mr. Cooper Group Inc. (VA)

It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru nationstar/ mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Our XX/XX/XXXX payment was sent electronically by our bank as always BEFORE the first of each month since XXXX when we purchased this home in Nevada. A month later It STILL AS NEVER POSTED TO OUR ACCOUNT AND we received a late notice about this payment. We had to make an additional XX/XX/XXXX payment so we wouldn't be charged a late fee and to keep this information from posting to our excellent credit rating. Our mortgage has changed hands three times starting with XXXX, LoanCare, and now with XXXX. We are so frustrated with this company and can not get anyone to credit our payment. ADDITIONALLY we want our interest adjusted accordingly since the payment was sent AND received by XXXX XX/XX/XXXX. The amount of time we have spent on fixing THEIR PROBLEM has been unbelievable waiting on hold to speak with someone ONLY TO BE TRANSFERRED to another department and put on hold a second time!! 
Customers should have a say who they want to take over their home loans NOT THESE SHODDY so-called mortgage companies.
Consumer complaint received 2020-07-21
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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2015-08-31
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co. (FL)

I am writing to let you know how extremely dissatisfied I am with Consumer Real Estate Finance Co. We applied for a loan with XXXX XXXX XXXX your XXXX XXXX, FL location and was told we were pre-approved for the loan. My wife and I placed a house under contract and paid a {$1000.00} binder on the property. Our agent called XXXX when we wrote the offer to confirm the time it would take so we could set realistic closing expectations with the seller. We paid an inspection fee of {$250.00}, a WDO fee of {$140.00}, an appraisal fee of {$450.00}, and a credit report fee for a total over {$1800.00}. We were told several times that we were approved and just collecting underwriter conditions. Then we were told that we are not approved by XXXX XXXX. He told us we should go FHA. They had our bank statements and knew we did not have {$7200.00} and had to go with USDA XXXX % financing. Then we were told we would be approved again because XXXX and his Manager, XXXX would make an exception with the underwriter. Then we were told they could not approve us again. All of this pushed us past the time for us to cancel the contract and receive refund of our {$1000.00} binder. Additionally, XXXX was sharing personal and misleading information directly to the processor for the listing agent team, not my agent. Because of the false information provided by your company, the on and off of the approval ( a formal decision was not issued until well after XXXX days ) and the eventual denial, I am requesting a full reimbursement of my expenses totaling {$1800.00}. 

Furthermore, I feel that filing a complaint through XXXX, HUD and the CFPB against CREFCO and individual XXXX complaints for what I firmly believe to be an Equal Credit Opportunity Act violation of Regulation B, 1002.9 and other possible sections of the law for unfair or misleading lending practices against my wife and me in the process of trying to get a loan for the purchase of a home for our family of XXXX will hopefully open their eyes to the financial harm you are causing our family and others. 

XXXX XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize anyone from these companies to access my credit report, violating the Fair Credit Reporting Act Section 1681b ( c ) and my privacy rights. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

I am appalled with Freedom Mortgage and the lack of communication along with disclosure for a recent loan refinancing at my property at XXXX XXXX XXXX XXXX. I spoke to XXXX XXXX ( Salesperson and Agent ) at Freedom Mortgage with an interest of a refi on a VA loan wherein I was to keep my place in the term of the loan, but reduce my interest rate from 3.25 % to 2.37 % which I agreed to. I signed a closing disclosure during the course of the contract presentation showing that my costs were to be {$3900.00}. I accepted that bi-lateral contract and electronically signed the document for closing. I was contacted later to set up a closing date which I accepted to be XX/XX/2020. 

The notary brought the necessary documents to my home on XX/XX/2020 for signatures and authentication. When he got to the Closing Disclosure, I noted that there was a stark contrast in the closing costs. My original agreed upon closing cost was {$3900.00}, but the document presented was {$6800.00}. 

I want to be made whole for the time that I took to go through this engagement which my wife took off from work. I also want to go on record that Freedom Mortgage unilaterally changed my closing cost without any disclosure to me or any amended offer. I feel like the tactic is a 'Bait and Switch ' wherein I was induced into accepting one thing and delivered another. The final cost was a difference of {$2900.00} I want to put this out there for all to see because I have been a long standing customer in good faith who pays my bills on time, and I am a veteran who accepted to defend our constitution. 

I want Freedom Mortgage to extend to me some complimentary offer monetary or something of extreme value to make this right. 

I may be left no choice but to give this over to a Real Estate Attorney or the Attorney General 's Office to let them know about this type of practice.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

1

5 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. I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX company is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT IDENTIFIER ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been XXXX occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than XXXX  days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require.

According to federal law I have the right to access all these documents. They have from XXXX to XXXX by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.
Consumer complaint received 2021-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

XX/XX/XXXX submitted an online request for hardship with PHH Home Mortgage Services. 
XX/XX/XXXX rec 'd agreement stating the terms of temporary hardship Agreement stated an effective date of XXXX XX/XX/XXXX and three ( 3 ) payments will be deferred. Which should be XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However next payment would be due on XX/XX/XXXX in the amount of {$5200.00}. 

Based on the above and the matter in which the document was prepared this does not constitute three ( 3 ) payments deferred. This is deceptive and bad business practice. Call and spoke with the following on XXXX XX/XX/XXXX at XXXX. 

XXXX - Agent ID XXXX transferred to XXXX customer resolution and spoke with : XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX Escalation Mgr XXXX - Agent ID XXXX All of which demonstrated a no challenge attitude and extremely poor customer service. None of which understood my concern, continually stated that there was no error, and that they were unable to make any updates. Furthermore, total payment in the amount of {$5200.00} due XXXX XX/XX/XXXX and if unable to make the full payment the investor has the option to decline any payments less than total amount due and could begin foreclosure. 

I requested that this agreement be cancelled. I was then informed that if I cancelled this agreement and resubmitted it would not be approved. In addition, it will take one to two weeks to cancel and I needed to wait before resubmitting.
Consumer complaint received 2021-03-02
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. (GA)

I mailed a letter to Clarity requesting my free credit report and have never received it over a month later and I live in the state directly above them. I sent my drivers license and SS card with the full SSN
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I am supposed to be getting a card for unemployment it has been about 2 months and I still haven't received my card in the mail I have a paper that says I'm supposed to be getting a card that has never came I have called multiple times just to be put on hold for long periods Of time and sometime the phone hangs up I haven't talked to anybody even my employer has called and nobody has called them back I just want to receive my card in the mail like I'm supposed to