davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NM)

Freedom Mortgage purchased our mortgage from XXXX XXXX in XXXX. Freedom began soliciting us late XXXX to do refinance with them. In XX/XX/XXXX we agreed to begin the streamline refinance process due to the low cost and claimed 60 days or less to complete. Months and months go by as Freedom would never follow up, call, explain anything happening in the process. XX/XX/XXXX I again contacted Freedom and they advised they needed copy of our SS cards to move on, no one had called me to ask for this. This was only after I had requested and dozens of calls. I send XXXX XXXXCustomer Advocate Direct Number : XXXXToll Free : XXXX ext. XXXXFax : XXXX Email : XXXX the requested documents days and have email confirming she got it. Then XX/XX/XXXX we were advised they need copy of our survey, which was promptly provided. XXXX XXXX we call XXXX XXXX XXXX company to find status, they advised that they never got the survey from Freedom Mortgage. We then send them the survey directly. There is again XXXX and XXXX of endless calls to both Freedom and XXXX XXXX to find out if anyone is actually doing the refinance. Finally we get closing date on XX/XX/XXXX and notary comes to the home and we sign our documents. During this time we are advised not to pay XXXX or XXXX 's home payment and first payment due is XX/XX/XXXX. We have received 3 collection calls from Freedom and they have billed us a late fee with Agents providing claims it will be waived, account notated, but still demanding payment. Despite our closing documents. XXXX XXXX we are notified that the refinance is not acceptable due to failed Warranty Deed and only Freedom can fix. We were advised that we would be contacted in 72 business hours. We have not received any calls from Freedom and I have spent over 2 hours on hold XX/XX/XXXX, more lies from customer care and zero response to our concerns. We believe they are being deceitful in order to gain late payment fees, collections on our home, and/or damage our credit. We feel that this is clearly trained and expected behavior by freedom mortgage and their staff to confuse, lie and be deceitful to gain financial gains at the cost of the customer. There are also no effort to ensure that our rates will be honored despite Freedom failures in their own process and procedures.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There were two attempts on XX/XX/2021, to debit my checking account for the amounts of {$320.00} and {$300.00}, to XXXX XXXX XXXX XXXX in XXXX Georgia. My bank is aware of the fraudulent transactions. This is the second attempt in that area to debit my checking account.
Consumer complaint received 2018-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

Our loan was sold, to a company with very poor reviews. We had never had an issue with our prior company, since the loan was sold they have failed to run payments, cashed cashiers checks for payments yet failed to credit them. We sent a XXXX cashiers check that was cashed XX/XX/XXXX. We sent another XXXX cashiers check that was cashed on XX/XX/XXXX and another XXXX on XX/XX/XXXX that I have verified was cashed but am waiting on the confirmation of the date cashed, believe it was the XX/XX/XXXX. That's XXXX we have received no credit for. Shellpoint says last payment was XX/XX/XXXX. They have made it impossible to refinance to get away from them by reporting us late since XX/XX/XXXX. Shellpoint claims we have an outstanding balance of XXXX yet we have sent XXXX in cashiers checks that have been verified from our credit union as being cashed.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Good day I am contacting you to report XXXX XXXXXXXX credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with XXXX XXXXXXXX then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Title & Escrow LLC (FL)

My wife and I are sellers to a condo in XXXX. 
We have seller representation on our side and the buyer chose a title company, Orion Title & Escrow LLC and their partner law firm, XXXX XXXX XXXX. 
It was agreed that the title company ( Orion Title ) would order the HOA estoppel to obtain the HOA account information. 
My wife and I signed a an authorization form allowing Orion to access the HOA account.

Several days later, we received the estoppel letter from Orion, but they hired a 3rd party service to access the account without our authorization.

Several phone calls were placed with the title company who stated they did not believe the HOA account contained NPI. 
A conference call was set up with the related attorney and title company. The attorney also believed the HOA account info was not NPI.

During this call, I explained why I felt it was NPI and requested they asked their party to delete the records. 
The title company and attorney stated they would not accommodate this request. 
I feel this complaint is the next step because of the inactions from the title company and law firm not believing the HOA account info is NPI.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (PA)

On XX/XX/2022, my husband went to an ATM machine at a XXXX in XXXX, IL. Here is the bank info on the transaction : ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL He requested {$200.00} but the machine only gave out {$160.00}. The man at the store said the ATM has been having problems with that and that we should contact our bank ( PNC ) and they will refund the {$40.00}. 

I filed at dispute and was given a provisional credit. I then received a letter in the mail saying it was denied ( provsional credit removed from my account ) and I could request the documentation showing what they investigated to come to their determination. I called into customer service and was told she would reword my dispute and resubmit. I then asked for the documentation and was told there was none. I received another denial in the mail. Process was repeated and declined again. I then filed a complaint with the Office of the Comptroller of Currency who referred me here. 

I have received an email and a phone message from XXXX XXXX from PNC. I returned his call and received no call back. I then sent him an email. He called back on XXXX saying he would escalate my issue and call me within XXXX hours. No such call has been made to me again. 
I would like our {$40.00} back plus the {$3.00} fee that was charged. How many people does this happen to and who is gaining financially from all this undispensed money?? 

Consumers have a right to be treated fairly and honestly, especially in these difficult times. Every dollar counts!
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XXXX/XXXX/XXXXMIDLAND FUNDING XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX   Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX  District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Good evening I was hacked on XX/XX/2023 in both my checkings as well as savings account. The total amount taken was {$3200.00} in 3 different XXXX  transactions from an unauthorized recipient named XXXX XXXX. I submitted 3 different claims regarding this fraud and received the same answer that my bank believes it was authorized by myself or someone who has access to my account. This is not the case, I submitted and provided screenshots and documents proving my accounts were compromised and put hours of work into this matter, missing work to do something my bank should be doing and that's protect my accounts.
Consumer complaint received 2022-04-28
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (TX)

I had a buyer for my motor-coach and I requested a 10 day payoff. As ofXX/XX/2021 the amount was {$150000.00}. OnXX/XX/2021 the motor-coach was sold and the payoff was completed. Since there was a loan payment done right before the sale, an overage was created in the amount of {$2400.00}. I called Bank of the West numerous, numerous times to find out when the overage would be refunded to me. Bank of the West assured me that within the week a check would be coming to me. I never received that check. I sent a certified demand letter on XXXX with no results. Numerous more calls were made. I called and spoke with a representative who said the check must be lost and will issue a new check and send it out.I A few days later I received a check and deposited it, only to discover that Bank of the West had a stop payment on that check.I recruited help from my bank, XXXX XXXX  - XXXX, Texas branch to resolve the matter to no avail. My bank Rep. XXXX XXXX called Bank of the West and spoke with an agent that assured us that a check would go out the next morning. Needless to say, I have never received a check. This entire process started XX/XX/2021 and it is now XX/XX/2021. If needed, we have letters of documentation supporting all of the above facts. Bank of the West has never disputed that the overage is owed and the amount owed is {$2400.00}.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

I called citibank to find out where this debt was and have it verified. Citibank stated the debt was passed the statute and they will not be sending anything in the mail to verify the debt I can either pay the full amount and have it closed out or have it report on my credit report as is. 


I ask that you please have all calls pulled from my communication with them XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CO)

XXXX Mortgage is reporting that we did not pay for 30, 60, and 90 days- XXXX and XX/XX/22. We OFFERED to pay and we instructed not to pay because the loan modification was changing from a XXXX FHA modification to a NON Residential modification. ( XXXX Account Supervisor ) The account was locked on line and when we talked to XXXX in XXXX on XXXX we were instructed not to pay but to wait for the loan trial period to end ( which we had paid on TIME ) Shellpoint posted the only negative marks against my credit for XXXX consecutive months during the poorly handling of the loan. We had a loan modification program and paid on time always. I was also told that these marks would be removed after the program was finished but we decided to sell the house instead. Please remove the late payments because we tried to pay and were never late. I have not been late on any payment for 15 years. I lost my job to XXXX related problems cause by XXXX XXXX and we had to use the forbearance program. Please remove these marks and contact me with any questions.
Consumer complaint received 2021-05-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WI)

Between XX/XX/2021 and XX/XX/2021 I received 82 phone calls from Navient using 8 different numbers. I have spoken with them and attempted to address the issue and there has been no change. There were occasions in which there were 5 calls in one day some of the calls separated by 60 minutes.
Consumer complaint received 2021-05-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ClearPath Lending (TX)

We closed on our VA loan with Clearpath Lending, XXXX, Calif. on XX/XX/2020. We get daily fliers from them-asking us to refi. Now we are getting daily emails from them. They are annoying and we have called to have them take us off their mailing list, but they just ignore us. Have also emailed them. Not a huge deal, but very annoying. Because of this we would not recommend them to anyone.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

IT IS ILLEGAL FOR THIRD-PARTY NON AFFILIATES TO HAVE AND REPORT TRANSACTIONAL HISTORY ON MY REPORT. ESPECIALLY IF I HAVE NOT PROVIDED MY WRITTEN CONTENT. I HAVE NOT PROVIDED WRITTEN, NON-WRITTEN, VERBAL AND NON VERBAL CONSENT.
Consumer complaint received 2022-04-07
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. (RI)

XXXX XXXX Equifax XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both XXXX XXXX and Equifax. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Two year ago my Carnival XXXX XXXX Mastercard was closed by Barclays Bank. On my final payment I overpaid by {$440.00}. I was supposed to receive my overpayment mailed back to me ; They never mailed my overpayment back to me. 
Just recently, I started receiving phone calls and emails from Barclays Bank just for payment. After talking to people at Barclay Bank it turns out they changed my credit to a debt. As it stands now Barclay Bank even added additional late fees and other charges to the account. I'm in the process of refining my properties ; however, I not able to with such a low credit score.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (MS)

XX/XX/XXXX handwritten moveout notice provided and emailed confirming move out intentions in XXXX ; reminder or moveout provided in XX/XX/XXXX XX/XX/XXXX damages to my personal property and damage to their property as a result of a flood XX/XX/XXXX approximately Health and Safety Code violation preventing living in an apartment as a result of contamination in ventilation systems affecting breathing. XXXX XXXX so-called repairs included placement of an odor eliminator in the vent that further mixed chemicals impacting my respiratory system Moved out XX/XX/XXXX and found out on XX/XX/XXXX of a rental collection for {$2800.00} entered on a credit ( XXXX ) report by RS Clarks and Associates . I disputed the information through Credit reporting agencies ( XXXX, XXXX Desk, XXXX, XXXX and requested validation of the debt and documents utilized regarding the investigation that was not supplied. No proof of a XXXX XXXX XXXX investigation documents was provided. 

XX/XX/XXXX RS Clark and Associates submitted a bill outlining fraudulent alleged charges. CFPB did not thoroughly investigate the case and closed the complaint. 
I m
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

In XXXX, I was contacted by Portfolio Recovery ( PRA ) regarding an alleged debt to XXXX XXXX XXXX in the amount of {$270.00}. XXXX XXXX XXXX ceased to exist in XXXX. I have no knowledge or information sufficient to render an opinion on the validity of this allegation. However, to the best of my recollection I have not entered into a contractual relationship with XXXX XXXX XXXX  Indeed, since filing bankruptcy in XXXX, I have not sought or obtained any credit cards until within the last year, and only a secured CC. 

I have contacted Portfolio Recovery several times to dispute this debt. No validation of the debt has been forthcoming. Demands to remove negative marks from credit reporting agencies have been ignored. 

XXXX No proof of the debt has been established by PRA XXXX No contract between myself and XXXX XXXX XXXX or between myself and PRA, exists XXXX Portfolio Recovery states the account age as 1 year, XXXX months ; XXXX XXXX XXXX has been defunct since XXXX XXXX The entry at XXXX shows a reporting date of XX/XX/XXXX, not XXXX XXXX For the above reasons, PRA is in violation of Federal law Portfolio Recovery lacks legal standing for their claim. Their actions also conform to the doctrine of volenti non fit injuria, further invalidating their claim. 

Portfolio Recovery must remove negative entries at all credit reporting agencies. This incident has caused an as yet undetermined level of financial harm.