davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have attempted to reach Enhanced Recovery Company on numerous occasions regarding this debt that I allegedly owe for {$1000.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Enhanced Recovery Company nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Enhanced Recovery Company provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (OR)

I recently became unemployed. In an effort to keep from missing a payment or defaulting on our mortgage loan I attempted to contact our loan servicer, NationStar LLC, dba Mr. Cooper, and am unable to contact anyone within the company. 
The phone number is just an endless phone tree that never gives you the option to speak with a person. 
The chat system online is also not working, I have screen shots of messages simply not going through. 
I received a letter from a loan specialist, but no direct contact number, only the main number, which again, does not work to get a hold of any one person, which the outgoing message admits. 
Unable to reach anyone at the company, I have now missed one payment and fear missing more. It is my understanding that NationStar was hacked last year, and is facing a class action lawsuit, and is no longer accepting phone calls or chat messages online. There is simply no one answering the phone to help me resolve this matter, and I suspect that this is deliberate.

I need help getting mortgage assistance and getting someone from NationStar LLC to call me back before I default on my loan. 
For your records, the following number is the ONLY number provided and you will see it is not functioning. XXXX.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

The web service is unable to handle correctly provided information such as PIN numbers and the result is that I am now locked out of managing my freeze, which I had managed just fine 2 months ago. 

I even setup an account with them, can login, all they do is try to sell me new services instead of using my verified credentials to help me manage the freeze. 

Their mistakes and bad web services is costing me real $ $ $ s Their phone numbers fail to clear the maze of options for me to speak to someone. 

This is unacceptable, I don't need them but I am forced to handle their failures.
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2018, I was informed by my father XXXX XXXX XXXX that he received yet ANOTHER call from XXXX  XXXX XXXX on his phone number of XXXX and which they've asked for me. .. and was told repeatedly they have the wrong number because of the verification of the last four digits of his social are not mines, and I XXXX XXXX XXXX am the person in whom they're looking for. So I called the number on my dads phone ( XXXX ) from my phone number XXXX and spoke to XXXX XXXX, and was told that my phone number ( XXXX ) XXXX is on the file. So when I asked XXXX XXXX, then why is he calling my Fathers phone number repeatedly for the past several months ... when they have my phone number on file. he replied to me. " it was a dialer call ''. ( illegal ). I then informed XXXX, that I'm not in hiding and whatever skiptracing tool their using shows my current address and phone number to get directly to me. AND the fact that they've not called me in months ... yet are still calling my dad is a violation under the FDCPA Section 806 for Harassment .... I asked him to answer as to why they're purposely calling my dad when they have my number ... and was ignored. ... XXXX XXXX then told me he'd rather me speak to a supervisor and the call was transferred to XXXX XXXX. His professionalism was worst then XXXX, the account manager. He refused to address the situation of them harassing my father ... he continued to talk over me, and talk at me while I was talking, attempting to berate me on the phone call. 
I eventually informed XXXX that I WILL be following up with a complaint cause it's clear my rights and the right to contact a third party repeatedly have been violated and clearly they have no intent on apologizing or being humble to even attempt to correct the problem ... all he wanted to do is attempt to collect a debt ... .3 All in all these collectors were Rude, and Disrespectful and Honoree even after being informed of their violations and I plan to make sure I do whatever it takes to get the word out on this companies, poor collection tactics.. and harassing measures.
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

We opened up a claim against our mortgage company, Bayview Loan Servicing , LLC in XX/XX/2018. When our PMI was finally canceled, our loan-to-value ratio was at 67 %. We requested a refund from the time that our PMI should have been canceled, 78 %. We did receive a refund at the 75 % point. We were told that in NYS, automatic termination takes place at 75 %. We inquired and were told it is because we live in NY. However, after further research, their own paperwork, and the NYS website, it says that when Federal and State law come in conflict, that the clause more favorable to the homeowner would apply. Federal law states that PMI will be terminated at 78 %.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

have checked my credit report and noticed inaccurate information from your company. 

I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. 

As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (IL)

On XXXX/XXXX/XXXX an account was opened at a SunTrust Bank branch in Florida using my Social Security number and someone else 's name. I do not and have not ever had any accounts at SunTrust Bank. 

XXXX monitoring service provided an alert prompting me to call the bank to determine the nature of the alert. 

XXXX I called SunTrust bank noting that I had received an alert and that fraud was suspected. They opened a Fraud claim and they were unable to provide me with additional information other than I need to wait for an investigator to contact me. I was told I would be contacted in XXXX hours. 

( After XXXX/XXXX/XXXX with all of the additional documentation and proof of identity that is needed to open a bank account, I do NOT understand how they could use my social and another name. Is there no validation of the social and name in any banking or federal database? ) XXXX called SunTrust bank again for follow up. Was told they are still waiting for the investigator and that I would be contacted in XXXX hours. They are unwilling and/or unable to provide me the contact information for an investigator or information to adequately protect my credit and identity. If the person committing the fraud is using my social security number, I should be provided the information/address of the account or relevant information to protect my interests
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, Equifax and XXXX. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. Equifax and XXXX  are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, XXXX  and Transunion. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. XXXX  and Transunion are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,
Consumer complaint received 2021-03-29
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: Byrider Franchising, LLC (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (VA)

XXXX XXXX XXXX XXXX CT XXXX VA XXXX XXXX SS # XXXX dob XX/XX/1962 stop ignoring me and give me answers If some hacked your account and stole your money you would want answers!!!!! 

I Want my money back, security called and told me this would be resolved and it still has not been resolved i need for someone to call be back.I want someone go to jail for hacking my account i need this resolved ASAP READ!!!!!! 

This is XXXX XXXX and here is what happened with my account, on XX/XX/XXXX someone hacked my account and sold all my crypto. They sold XXXX and they sold my XXXX  and they sold my XXXX and then they went shopping with my money. They went to XXXX and company in Washington State, I live in Virginia. They used XXXX of my money. I called XXXX and company last night at this number XXXX they ignored me. I tried to tell them that someone used my money and gave them my name but they could not help me. 

I then sold all my stock and i'm trying to close my account and now all my money is gone this morning!!!!!! 
I can not do your job for you. I needs to go to your security department and all want all my money back!!!!!!! 


This was my retirement money and now it is all gone. I am an old XXXX man and now I am broke!!!!! 

I need you guys to call me ASAP XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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: Santander Consumer USA Holdings Inc. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (WV)

Since I opened the account a year ago I have been getting charged overdraft fees. Ive written, called, and went in to tell them to turn it off. Now it is getting ridiculous. I am getting charged 2-3 times for every overdraft. {$72.00} for a {$1.00} overdraft. It is wrong in times where the world is in a pandemic. It is greed like this that has taken away humanity in the world. I am a XXXX XXXX XXXX with no job and no unemployment. I do not need my bank robbing me of XXXX  of dollars charging me 3 times per overdraft fee. I feel like it is illegal and wrong that a company can do this and get away with it.
Consumer complaint received 2019-11-17
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: Experian Information Solutions Inc. (FL)

The following inquiries below are a result of Id theft and I notified Experian requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX XXXX 2. XXXX XXXX  3. XXXX/tXXXX XXXX XXXX 4. XXXX
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I contacted Chase about refinancing an ARM loan for a Second home. Only after I was asked to send my W-2 and tax documents through an unsecured email and after a hard inquiry on my credit was I told because I rented the property in 2018 that I could not it as a second home even though I do not have renters and am not holding the property out for rent. A manager also informed me that I could not apply to refinance my second home because it was an investment property if my parents stayed at the home where I paid the mortgage. This seems wrong to me. I only received this advice once I disclosed my sensitive personal information and my XXXX background. I was encouraged to withdraw my refinance application or be charged an exorbitant rate. Something seems wrong here, including the companys statements about classifying my home as an investment property.
Consumer complaint received 2021-02-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

experian continues to report a XXXX account that is owned by XXXX XXXX XXXX XXXX. They refuse to allow me to dispute it, I reported and disputed this 3 months ago, which proves that they didn't verify the account, they only updated it through my dispute. When I call to dispute, they have my SS # flagged and I get locked into the automated system. In addition to them not removing or validating this account, they say I need to verify my info, however, they reach out to me using the very same address. This is all a tactic to keep reporting an inaccurate account on my credit report. Do they get paid to keep negative accounts listed? if so, that would explain their deceitful practices and blatant refusal to remove these accounts from my credit report. In addition, they recently added a new chargeoff on the account, leaving 2 chargeoffs back to back, when it was originally 1 chargeoff. Its now reported as 3 late payments, which gives any creditors the impression that I was late on 3 accounts. MY FICO score is XXXX, the lowest score of all three bureaus. in addition, they refuse to remove XXXX XXXX, who wrote asking EXPERIAN to remove this account as it was removed from the other 2 bureaus a 30 day late payment was added in error and XXXX XXXX  is now asking again for Experian to remove it. I have 2 emails from XXXX XXXX  as proof.
Consumer complaint received 2017-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (TX)

Our house experienced flooding from Hurricane Harvey on XXXX/XXXX/XXXX. We obtained our insurance proceeds from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$250000.00} based on the estimate of flood damages. The check was made payable to us and the mortgage servicer, Huntington National Bank. We understand that the Mortgagor, XXXX XXXX wants people to repair their homes and not walk away from the flood damaged homes by allowing the homes to go back to the Mortgagor, XXXX XXXX via the foreclosure process. However we did not expect the mortgage servicer, Huntington National Bank to  hold funds and make it difficult to get inspections on the status of the home so that funds can be released to the builder who is putting the home back in its original condition. We have filed several complaints including one open complaint with XXXX XXXX Case # XXXX regarding the issue of Huntington National Bank not setting up inspections timely and allowing the builder to go unpaid. How bad is it? I have spoken to Huntington National Bank on  several occasions including XXXX XXXX in their property damage department to try and schedule timely inspections. Now I have been assigned to one of Hunting National Banks corporate officers, XXXX XXXX ( XXXX XXXX XXXX to specifically address the situation based on complaints filed. I have informed XXXX the house would be complete by XXXX/XXXX/XXXX and we needed to have weekly inspections so we could have the builder paid to avoid the filing of a lien and the work being stopped for lack of payment. Luckily the builder was convinced he would be paid so he has continued working. However the home is complete and we only have approximately XXXX of the XXXX in insurance proceeds that is due to us and the builder for re-construction. This is not how the process is supposed to work. We can not be that far off the inspection process to assume the home is only 50 % complete when in fact it is now finished. I feel like this is gross negligence by the service provider on the handling of the fiduciary funds held in escrow. We are now in the process of hiring an attorney to sue the mortgage service provider, Huntington National Bank for breach of fiduciary duty. This is completely uncalled for and not what the intent of the avoidance of the foreclosure process was intended for. We have suffered undue anguish from having to worry about whether the builder was going to complete the home since he has not be paid for the work timely and how we would come up with additional funds.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.