davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE CORPORATION (AL)

I had a mortgage with CenterState and they merged with SouthState in XX/XX/XXXX. The payments for this mortgage were being drafted out of my credit union checking account by CenterState. I did not realize there was a problem until I received a notice from a credit monitoring service that I had a 30 day late payment on my mortgage. I investigated this because I knew my payments had been drafted out every month on time. I called SouthState and they had not applied any payments to my account since XX/XX/XXXX. Even though CenterState automatic withdrawals have come out of my account for XXXX, XXXX, XXXX and XX/XX/XXXX. I have record of that. When I tried to log on to the CenterState website I had used to set up these automatically withdrawals in the beginning, it automatically forwards me over to SouthState 's website now. I have spoken to and sent in emails to the people SouthState has instructed me to and have gotten no assistance. In the meantime, in order to avoid more late payments to damage my credit, I made two payments on the SouthState online website. No one can help me stop further automatic withdrawals from CenterState from coming out of my account. My credit union said I need to file a fraud dispute so I will do that. Currently, I have 4 months ( over {$6000.00} ) of mortgage payments floating around somewhere and supposedly I still have a payment due to XXXX on XX/XX/XXXX.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

The Consumer Financial Protection Bureau (“CFPB”) has noted, in its Official Interpretations of this provision, that a QWR “is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred.” See 12 C.F.R. Part 1024, Supp. I, § 1024.31.Even if the note had been originally valid, you can void it by altering it. If you and the debtor renegotiate the terms and sign off on the changes, that's fine; if you make a change without the debtor's approval, it's not going to fly. If you bought the note from someone else and it was altered or void before you took ownership – too bad. The fact that you purchased the note in good faith won't make it valid.“MR. COOPER”  XXXX XXXX XXXX, TX XXXX Dear Mr. Cooper, Regarding the letter I sent you datedXX/XX/2019 via Certified U.S. Mail # XXXXXXXX, the letter titled “QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST”. The letter was received and signed for by your representative on XX/XX/2019. (See U.S. Postal Receipt below)On XX/XX/2019 your company received a 14-page Official letter from Property OwnerXX/XX/XXXX. In part that letter read, “I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account #XXXXXXXX.”Do you now claim, that your company (doing business as Mr. Cooper), has answered all the requested documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? Please answer Yes or No, did you respond to this QWR? If not, Why?On the Color Copy of what you claim is the Original Promissory Note, there is a yellow area right of the alleged Bank Stamp which is unexplained and appears to be a Post note or similar item? Please explain what that is in detail?Please explain why the Promissory Note signature page on the item you claim is the Original is missing a big X from the original copy I have from the original signing and now there is a alleged stamp signed by an alleged person who is alleged to be affiliated with a bank company? I am demanding, and expecting, that your company does not report any negative comments or missed payments to any Credit Reporting Companies as you have Failed to prove the Authenticity of your Security.Please provide me with the documents I have requested and a detailed answer to each of my questions within the lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional RESPA Qualified Written Request letter.Sincerely,XX/XX/XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Galaxy Capital Acquisitions, LLC (MA)

A credit card was reported stolen and then used without my knowledge. Certain circumstances did not allow me to follow up. The cc debt was sold to collection agency where they repeatedly contacted me at work, threatened me and tried to get me to provide personal information over the phone.
Consumer complaint received 2019-08-19
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. (MS)

The late payments reporting on the accounts XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..
Consumer complaint received 2017-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, Transunion and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2019-08-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NY)

I opened a online money market at BBVA compass following a link that I will get a bonus if I put a certain amount of money. Few weeks later I asked about my bonus and I was informed that there was not bonus.  They were nice enough and gave me few dollars not even the 50% that it was offered. Then, I decided to transfer some funds.  To my surprise even thought this is an online account and they do not have any physical account in my state or surrounding states they charge to make any transfer. They are suppose to be part of XXXX   that does not charge but not yet. They have XXXX XXXX and they charge.  Then you cannot take more than $10000  a month, please this is not a CD is a money market account.  Then, I decided to close my account. Too much headache.  I submitted their request as stated by them, notarize letter, statement as they state: "my funds to be mailed to my address on file" and so on.  I submitted the letter on XX/XX/19 and this is the day XX/XX/19 and nothing; I have not received my funds.  I have called several times and they say that they are going to escalate the case. There is always escalation and when you talk to a supervisor they do not give you an id # or last name. It is XXXX or XXXX or XXXX (there is only one XXXX in a BBVC bank? hard to believe).  Then, finally I see no funds on my account but there is not any email or anything explaining where is my money. I have not received any check.  They have my email since when I opened the account they sent me an email.  They have playing with my money half a month and I they have been only "escalating" the case and now the money has disappeared and no check on XXXX  has arrived to my address on file.
Consumer complaint received 2017-12-21
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aspen National Financial, Inc. (SC)

I have been paying them to let payment plan which I have not continue to do it to serious hospitalization and I try to explain that on several occasions the gentleman continue to harass me call me tell me that 's not his problem and was is verbally abusive when trying to make contact with him to set up a different payment plan. he refuses to knowledge any other plan other than pay him today! 
It has become so bad at this point I do n't even answer the phone however made my last attempt today XXXX XXXX and had to hang up because of the abuse was so bad! 
He has stated he 's already reported to my credit and continue to make threats of further actions. The company continues to add personal fees on top of the original fee that I/O and we can use to make any payment plan or negotiation with me we ca n't even get to that point because of the abuse of the gentleman on the phone. When request to speak to another agent he refuses to who is the only one on my case and on this phone line repeat when request to speak to another agent he refuses to who is the only one on my case and on this phone line repeaterly.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from I.C. SYSTEM, INC/XXXX XXXX last reported XX/XX/XXXX in the amount of {$160.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both I.C. SYSTEM, INC/XXXX XXXX individually and have not received any reply back
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

We applied to Citibank for mortgage refinancing on XX/XX/2020. We were told that the process will take up to 90 days. As long time Citibank customers, with excellent credit scores, continuous employment and no debt, we expected smooth and painless process. For the next 7 months, there were constant delays by Citibank. Each step of the way we had to request confirmation of receipt of documents or a simple clarification, multiple times. The loan processor took days and weeks to respond. The responses rarely addressed more than one issue at a time and were ambiguous, which required additional questions, and took more time. The documents that were submitted kept expiring and had to be resubmitted several times. Some documents had to be resubmitted because the loan processor couldnt find them. Six months later we were assigned a different loan processor. The appraisal of our property had expired after six months, unbeknownst to us. At the end of the 7 months ordeal, once the underwriting approved, we were given 7 business days deadline to close, lest documents start expiring again and end up back in underwriting. We were hit with a surprise {$200.00} charge for the updated appraisal. We were also put in an impossible position by the Citibank, because we had to get our property management to sign off on the loan in a matter of days, and the bank was informed from the start that the process normally takes at least 2 weeks. The closing was scheduled on the day and precisely at the time when one of us was travelling, in spite of our requests to schedule on any other day and time. Because of that we had to scramble to find a notary at the last moment.

We have reached out several times to a senior supervisor, before and after the closing, requesting to remove {$200.00} charge. We were charged anyway even though we were told a second appraisal wont be our responsibility because it was caused by the Citibanks delays. We also asked for a reduction in fees and or rate, as consideration for all the delays, missed opportunities and additional costs. We did not get a single response to any of the emails.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I received an XXXX loan on XXXX XXXX in the amount of {$7200.00} on XXXX XXXX I went to chase bank and attempt to withdraw cash from my personal account being that I have 2 accounts with chase and while attempting the teller was loud and biligerent about people receiving XXXX loans she then denied me access to my account and froze them
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

XX/XX/2020 my home burned to the ground in the California XXXX XXXX. At that time my mortgage holder was XXXX Bank. My insurance company paid funds for the rebuild to XXXX who released money to us for permits, grading, getting water running, blue prints, soil studies, etc. There is so much to be done before a nail ever sees wood. Our mortgage was then purchased by Rocket Mortgage who received our insurance rebuild funds. Initially, XXXX determined that we did not have enough money to rebuild. I'm not sure how they determined that as they never saw any drawing, blueprints any type of document that you would need to make a cost determination. We argued with them about that and now they are refusing to release funds but say now that they will reimburse for payments. This isn't a washing machine or car we are talking about - a house, our house. We are not in a financial position to fund the rebuild and be reimbursed. We don't have the funds ( we just kind of lost everything ). Plus I do not trust Rocket to reimburse, they have been so confused and inept so far. The person who is working with us seems to have a general lack of understanding of any processes. But more than anything the money from the insurance is to rebuild our home.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (IL)

Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

The collection agency, XXXX XXXX violated my right as a consumer by failing to acknowledge my right to dispute data they placed in my credit file when I believe that the data do not belong to me. XXXX XXXX alleged that owe {$490.00} and {$690.00} to different creditors that I do not know. Rather than correcting the record upon a credible dispute by the consumer, the agency decided to disregard the dispute by not marking those challenged entries as disputed in my credit file. 
XXXX XXXX violates the Fair Credit Reporting Act. FCRA Section 623 ( a ) ( 3 ) 623. It is the responsibility of furnishers of information to consumer reporting agencies [ 15U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. Additionally, according to FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information that is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
Moreover, none of the three major credit bureaus XXXX XXXX, XXXX, and XXXX, helped the matter when I forwarded the dispute to them. Instead, the credit bureaus referred me back to the collection, XXXX XXXX. To create more complications, XXXX XXXX operates from XXXX, SC. transferred the case to another collection agency, XXXX XXXX XXXX in XXXX, MI.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX RISING FAST M XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COVERT XXXX XXXX XX/XX/XXXX COVERT XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX WORLD ACCEPTANCE - G XX/XX/XXXX COMPENTYCAPITAL/MPRC XX/XX/XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX REGIONAL ACCEPTANCE ( BANK ) XX/XX/XXXX CONSUMER PORTFOLIO SERVI ( FINANCE ) XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX DO ( AUTO ) XX/XX/XXXX ODE/KIA XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX STEPSTONE XXXX ( XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have attempted numerous times to add a credit card account that I am on to both Equifax and XXXX. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I reached out to Midland Funding/ Midland Credit Management on multiple attempts to validation this alleged debt. The initial contact was XX/XX/2020 disputing this alleged debt asking for a contractual agreement with my wet signature showing I was in a contract with Midland Funding. They sent a return letter asking me to provide contracts documents and bills or statement to further THEIR research. Midland Funding has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You 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 can not 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.They are hurting my credit report and has shown no proof that I owe this alleged that to them. All three bureau have three completely origin date which is another inaccuracies when they can not provide ME with no contractual agreement between myself and Midland Funding. This is embarrassing and defaming to my character. I expect this to be removed immediately.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

CFPB, Wells Fargo Bank is continuing to report this ( 2017 ) Charge Off INACCURATE account on my credit profile. Wells Fargo is well aware that I'm disputing these inaccuracies with XXXX, XXXX  and XXXX, however they continue to report erroneous information. 
I gave Wells Fargo a written request for Validation Of Debt numerous times and they failed to do so. Wells Fargo informed the XXXX  XXXX  XXXX that they were working with me and provided a Validation Of Debt, but instead they mailed me a copy of Wells Fargo Terms and Conditions in multiple languages, which that was NOT a proper validation. After disputing with XXXX, XXXX  and XXXX  Wells Fargo started BULLYING ME by reporting MONTHLY : MISSED PAYMENTS, LATE PAYMENTS, CREDIT LIMIT DECREASES, CREDIT INCREASES, CHANGING REMARKS, DIFFERENT PAYMENT HISTORY, DIFFERENT ACCOUNT NUMBERS.
Consumer complaint received 2022-04-07
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. (SC)

I need these reports to go to all three credit bureaus. XXXX, XXXX, and Transunion. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate. The date last active is inaccurate and date last reported is not accurate. This is grounds for removal also violated my rights under 1581.

15 USC 1581 Section 694 A It so states the right to privacy.

15 USC 1581 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions