davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I have been trying to dispute the late payments and debts that are being reported by the collection company and original creditor multiple times for about 4 months. Procollect and XXXX are reporting the same debt and same late payments. Procollect is the collection agency that purchased the debt and reporting late payment every month. XXXX has the same accounts on my credit with same amount owed, same account number and reporting late payment every month instead of listing as sold and charge off updating the amount of the charge off and late payments affecting my credit every month. Please help.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Sent a certified mail on XX/XX/XXXX requesting debt validation. Sent certified mail on XX/XX/XXXX requesting proper verification bearing my signature. Did not receive a response. Sent complaint via their website on XX/XX/XXXX, no response. Called on XX/XX/XXXX got hung up. Called back, was transferred to supervisor. Supervisor was yelling entire time, stating that they dont have to verify and that an itemized bill was sufficient. Supervisor made remark that If i want to keep playing stupid they will no longer contact me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (DE)

I contacted Midland Mortgage company in XXXX for a payoff statement, when I received the statement I had questions about some of the charges listed on the statement. the charges was over XXXX XXXX dollars with no line item description on what the charges was for. I called and spoke to a representative that told me they will get back to me with the information. After waiting a week, I called back and was told, they could not provide me with the information in the time they told me and transferred me to another department that could help me. The lady I spoke with said she do not understand why I was told they couldn't help me or provide me with the information because it is possible but it would take 24 hours. It has been 3 weeks and I have not been contact by anyone from the mortgage company. I even wrote an email to the Vice President on XX/XX/2022. My complaint was they claim they charged me {$20.00} every time they could not verify occupancy. They claim the charge is because they had to send someone to my house over 83 times. I told them at no time did anyone come to my home to ask me o my XXXX  children if I was home or occupying the home. During the years of XXXX and XXXX I was working from home so I know for sure that no one never came to my home. I was asking them to refund me my money and no one never go back to me. All I want is my money back for those charges and other charges that they can not explain that was listed on my payoff statement and was paid during the sell of the home on XX/XX/2022 I will be attaching the payoff statement and the charges in question is described as fees currently assessed. These at supposed to be several different charges that they can not explain and will not explain.
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I've been on hold with XXXX Bank for over an hour now. I've contacted the company to attempt to confirm if my Partial Claim documents have been received and processed. I was transferred twice before speaking to XXXX in Loss Mitigation. After 20 minutes of being on hold and answering questions as presented in my first complaint submitted today, XXXX advised me that the address I read to her was the correct address to return the paperwork. XXXX further explained that she could not provide me with a number to call the XXXX office to confirm if my Partial Claim documents had been received. 
Further, she explained that she did not know how the process works in XXXX because she works at the XXXX office and everyone there is working from home. I asked XXXX if she could verify the information with someone else. I was then placed on hold for another XXXX minutes. XXXX returned to the call stating that her team lead, XXXX advised her that the XXXX, TX office did not have a phone number for her or me to call to verify the documents had been received. XXXX stated she would call me back with an update but didn't know how even to begin and that I should XXXX to look for the telephone number for the XXXX office? XXXX advised me that no updates show the documents were received and that she could not do anything and did not know where to find the information because her team had never contacted the XXXX, Texas office. I explained to XXXX that I just needed to confirm the documents were received. XXXX asked for my consent to call me back within seven days and that she would research my situation and get back to me within XXXX days. My consent was given - but in all the times XXXX has committed to call me back - I have yet to receive one call back. I will submit another complaint if not callback is received by the 8th business day.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (VA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-28
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. (MI)

I reported the following information to Transunion via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} XXXX not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they are reviewing the complaint and that they would follow-up within 60 days. On XX/XX/2021, I checked my Transunion credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above. 

I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA associated with this account.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc. (KS)

1. The company has been calling numerous times daily even after leaving voicemail messages 2. They have effected several payments from my bank without my authority - thereby exposing me to overdraft fees and thereby threatening my overdraft status with the bank.

3. I tried to resolve this a few days ago when I answered their calls regarding a past due account, which I wanted to settle outside the regular semi-monthly payments we had agreed - this is the amount I'm complaining about.

4. In that call on point 3, above, I had requested they move forward the payment days by two days to correspond with my new salary paycheck dates - which they ignored
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

XX/XX/2018 a {$1.00} XXXX XXXX Trial for Funding Cost Me almost {$1000.00} overdraft fees {$650.00} paid for an appraisal that was to be Refunded. Then Key Bank Put My account in XXXX XXXX for {$100.00} plus Dollars. Then wrote me and said it was a mistake I have not gotten any of my money back to this day.
Consumer complaint received 2018-03-21
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: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX BAN, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX BAN, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX BANs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA XXXX MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA XXXX MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within XXXX business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CO)

I had a tablet and other devices from XXXX that i returned to them when i stopped using them. I was supposed to recieve a credit for the devises which would lower my final bill but they never applied the credits and then sold it to a collection company. The company won't respond to us asking for the credits on our bill and are attempting to over charge us for an amount that isn't owed.
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TN)

My federal students loans through Navient have been consolidated and with another provider since last year. They are all showing paid and closed. I have pulled my credit report months back and I have disputed late payments several times with Navient and they have NOT provided me with documentation to prove that the accounts were indeed late. The accounts are definitely old, paid and closed, but still affect my credit score! I have requested validation of late payment reporting and because the information that I have requested has not been granted, I am asking that these accounts please be removed from my credit report. I have XXXX Navient/Dept. of Education accounts reporting on my credit report which is excessive and not to mention detrimental to my credit health. I signed nothing stating that separate individual accounts would be reported on my credit report. I did not take out XXXX loans for college this deceitful, unethical behavior is wrong. These companies are supposed to be helping not hurting! On XX/XX/XXXX and XX/XX/XXXX Navient reported that I was late, this is unlikely.I constantly stayed in forbearance to not have them report to my credit, which I am very upset about because they NEVER offered any other program to assist me when I was in financial difficulty other than forbearance. I need proof of this erroneous reporting. I am requesting all these accounts be removed. Every time I speak with a customer service rep from Navient I get different responses to the accounts some say I was in forbearance or in school deferment and then another would say I was in repayment. The records are incorrect and the system in corrupt. Lastly, some of these accounts reporting are XXXX XXXX XXXX they need to be removed from my credit report. Something needs to be done to protect consumers. If these accounts are not removed, I will be taking legal actions to protect my rights.
Consumer complaint received 2017-04-24
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: CITIBANK, N.A. (FL)

An account showed up on my credit report that is not mine. On   XXXX   XXXX   XXXX     I sent a debt validation request to Macy 's credit card department and i requested a copy of any credit agreement that i had ever signed with them or to stop reporting it to the credit reporting agencies. Macy 's responded with a letter dated     XXXX   XXXX   XXXX   providing  " As you requested a copy of your billing statements ''. I never requested anything except a copy of any signed agreement that they say i have with them. They ignored my request and sent a bunch of billing statements that i have no idea about.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Consumer complaint received 2020-11-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WI)

Fedloan reported delinquency on loan payments by failing to allocate payments correctly. I, the borrower, submitted the required payments as agreed, of which it is solely Fedloans responsibility to allocate the payments to all sequences of loans. Only Fedloan has power to allocate payments. As a Borrower, am can only submit a payment as whole, of which Fedloan segments and allocates.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX  is reporting a debt on my credit file. I was not given the proper protocol. I received no phone calls and, no letter, no notice at all until I checked my credit file. I immediately called and paid it off. However, they are in violation of my 30 day right to dispute for adding this to my credit file without any notice. I mean this collection debt is years old and they never send me anything. When I called them, they had no idea how they didn't send any notices to me.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bright Capital Inc (PA)

I signed up for bright credit builder account and paid the {$100.00} annual membership fee. They then logged me out of my account and took more money out of my bank. I tried to get online support and they said they'd email me and they never did. I then went on and used my same social security number and banking information to sign up and they let me open a new account. They should have recognized the social security number and said you already have an account that's paid up for the year but they just want to scam me out of more money. At this point I want a refund for the entire amount
Consumer complaint received 2021-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

Overcharge of escrow plus tax penalty on escrow which lender did not pay escrow, Causing the penalty. 
Lender 1098 form for XXXX BOTTOM Of form lender shows escrow negative XXXX which was transferred to new servicer XXXX XXXX form clearly shows. 

This overcharge of escrow and tax penalty Was included in our XXXX modification which has accrued interest on for over 11 years on {$3800.00}. 

The endless deception, and responses by lender show nothing but predatory lending
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It is to my understanding that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, along with Bank of America Corporation, are committing violations under the Securities Act of 1933, the Securities Exchange Act of 1934, the Federal Reserve Act, and the Trust Indenture Act of 1939. An application was submitted for a Bank of America XXXX XXXX card and I have yet to receive consideration for the security interest I provided them, once the application ( security collateral ) was submitted. The security provided to them is a U.S. Government Obligation and I fully expect the line of credit to be extended. Furthermore, pursuant to 18 USC 8, The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

If you refer to the Indenture both of these banks have together, they discuss in multiple places these obligations. The term U.S. Government Obligations shall mean securities that are ( a ) direct obligations of the United States of America for the payment of which its full faith and credit is pledged or ( b ) obligations of a Person controlled or supervised by and acting as an agency or instrumentality of the United States of America the payment of which is unconditionally guaranteed as a full faith and credit obligation by the United States of America, which, in either case, are not callable or redeemable at the option of the issuer thereof, and shall also include a depository receipt issued by a bank ( as defined in Section 3 ( a ) ( 2 ) of the Securities Act ) as custodian with respect to any such U.S. Government Obligation or a specific payment of principal of or interest on any such U.S. Government Obligation held by such custodian for the account of the holder of such depository receipt, provided that ( except as required by law ) such custodian is not authorized to make any deduction from the amount payable to the holder of such depository receipt from any amount received by the custodian in respect of the U.S. Government Obligation or the specific payment of principal of or interest on the U.S. Government Obligation evidenced by such depository receipt.

In addition, I have a right to credit under the Equal Credit Opportunity Act and I expect both of these companies to comply with all aforesaid mention laws.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

We have been trying to complete a short sale with Faye Servicing since XX/XX/2020. Please see the attached synopsis of what has taken place. 

Due to Fay Servicing not responding in a timely manner throughout the process we are now against the wall with a foreclosure sale date of XX/XX/XXXX.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

This debt does not belong to me and the company does not have a license to collect debt or operate as a collection agency XXXX XXXX ... .account # XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... .social security:XXXX.. 
Collection agency : Phoenix financial service ... XXXX