davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC (NC)

Our mortgage servicer, Movement Mortgage, completed our escrow analysis and is charging a cushion of almost 4 months. There analysis is not annualized it is based on the next payment out of the account, so by the end of the analysis year we have {$3200.00} in our escrow account, charging {$2300.00} more then they should. After reading all of the rules, it does state they can charge a 2 month escrow cushion, however they are supposed to use the whole year in the analysis. What they did, was make it so that when they pay the taxes in XXXX they have a cushion of {$830.00}, not analyze the year, which I believe they can not do, per the rules of the escrow. I called two times, the first person I spoke with was confused and could not explain why they are stating we were {$3000.00} short. She stated she would have someone call back, but they did not call back. Spoke to someone today, and she stated they can charge a cushion of 2 months mortgage payment, which they can not. She would not let me talk to the escrow department and she tried to escalate the call to a supervisor but they would not take my call. Although, we are a month ahead on the mortgage, going from {$1600.00} a month to {$1900.00} a month is a huge increase and with the increase in cost of living and no increase in income, this should be illegal.
Consumer complaint received 2020-11-27
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. (KS)

I call the Experian and you can't talk to them at all talk to that this prompt that I'm having is not to talk to them and. Tell me my credit report account on and I can't fix my credit report on online at all and won't I try to fix. years go I got my credit report account fix. then the Experian let this XXXX collection agency put there bad credit on my credit report account and it knot my XXXX account at all I don't won't them to is tell this XXXX collection to stop put XXXX collection account on my credit report account and tell this XXXX Company to stop put this XXXX account on my credit report account sir. Idont. won't to give any information that you need to. Find my credit account at. all so don't ask me for it at all so ask me any questions about me sir
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (IN)

When applying for a mortgage through Quicken loans I was misadvised by the underwriter XXXX XXXX. During a telephone conversation XXXX advised that I would need a letter or relocation in order to continue with the loan. I told XXXX I would not have that for some time, since I was not relocating for 6 months. XXXX advised me to replied to his email and state what we discussed on the phone and outline my relocation. I did so only to receive an email from him that Quicken needed this on company letterhead. I reluctantly troubled my boss for the letter and sent it to XXXX. XXXX then replied that the letter needed to be signed. I again troubled my boss to sign the letter he had drafted. I feel that the underwriters should know the requirements of the documents that they are requesting. I feel that XXXX was just guessing, this caused frustration and wasted my time, my boss 's time and XXXX 's time.
Consumer complaint received 2023-03-30
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and demand the immediate deletion of fraudulent accounts associated with my name and personal information 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 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX now owned by XXXX XXXX XXXX on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2016-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc. (TX)

ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX XXXX XXXX.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

EQUIFAX IS REPORTING A CLOSED ACCUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED OFF AMOUNT OF {$15000.00} AS OPEN THROUGH NUMEROUS CREDIT REPORTING COMPANIES. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED ONCE THEY REPORTED THIS AS XXXX ADDITIONAL INCOME TO THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND EQUIFAX REFLECT THIS UPDATE. I NEED EQUIFAX TO SHOW THIS ACCOUNT AS CLOSED AND NOT OPEN.
Consumer complaint received 2015-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc. (CA)

Re : XXXX XXXX XXXX - Tri-State CollectionsXXXX.XXXX.XXXXRegarding : XXXX XXXX / XXXX XXXX XXXX ID XXXX XXXXXXXX XXXX collection claim is for a battery for a portable XXXX. 
Invoice Number : XXXXDate of service : XXXX.XXXX.XXXXBalance : $ XXXXXXXXLate fee : $ XXXXXXXXCollection bill total : $ XXXXXXXXXXXX XXXXClaim InformationClaim ID : XXXXMember Services XXXXXXXXMolina verifies XXXX sent a duplicate claim XXXX, only XXXX claim for the battery was verified paid by XXXX. 
XXXX approval date : XXXX.XXXX.XXXXXXXX pay date : XXXX @ XXXX payment : $ XXXXXXXXActual billing for the battery by XXXX was : {$92.00} ( I have the original bill ). 
XXXX is being over charged by the amount of {$65.00}. I am being over charged {$65.00}, or they are trying to collect on a bill in full that was paid in full by XXXX XXXX. 

XXXX has previously sent collection notices and robo-dials for collection XX/XX/XXXX-XX/XX/XXXX. 
I called XXXX ( XXXX ) XXXX XXXX and followed up with XXXX XXXX XXXX, who verified payment was made to XXXX ( case # XXXX ), and who called XXXX to give them payment information. 

I called XXXX ( XXXX XXXX ) to inform them of the update and to expect a call from XXXX XXXX XXXX verifying account information and payment, I also informed XXXX at that time ( XXXX or XXXX ) to stop all robo-collection calls. I told the representative at XXXX that it was okay if she wanted to call me personally and discuss the account, but no more robo-calls. I had also had communications with XXXX about this issue. 
I believed this matter to be resolved XXXX XXXX. 

XXXX XXXX XXXX started collections again for the battery, and the collection notices and the numerous robo-calls for collection has started again. I did not call XXXX again because it is obvious they can not make corrections in their billing department, and because we have addressed this issue once before, although I did call XXXX once again ( now a third time ) to verify payment in full to XXXX. 
My concerns are now focused to a collection agency becoming involved on what I would consider fraudulent billing and collections. 
XX/XX/XXXX. I received a collection letter from Tri- State Adjustments of Wisconsin . 

Tri-State Adjustments XXXX XXXX, Wi XXXXXXXXDebra XXXXXXXXRe : XXXX # XXXXBalance due : $ XXXXXXXXThis account has been satisfied by XXXX, albeit being overcharged by the amount of {$65.00} or XXXX attempting to collect on a bill previously paid in full by XXXX. 
A copy of this complaint was sent to Tri-State collections XXXX.XXXX.XXXXSincerely, XXXX XXXX
Consumer complaint received 2022-09-06
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Consumer complaint received 2016-05-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (TX)

I lost my job XXXX XXXX XXXX. I immediately contacted Pacific Union Financial to obtain a hardship hold on my loan payments until I could get another job. They approved this finally and eventually forced to take another job XXXX XXXX XXXX. I then contact Pacific Union to allow me to start making payments again online in XXXX XXXX. They refuse and say I need to pay $ XXXX back before I can make my monthly payments. Of course, I am unable because of loss of job. I then submit paperwork to modify my loan so I can start making my regular payments again. This drags on until end of XXXX XXXX when they come back with a $ XXXX a month payment to pay up the past due. I realized that I had mis-subtotaled my expenses on XXXX form and it made my income vs expense a large positive #. I immediately contacted them and told them my mistake and sent them the corrected sub-total. They said this was fine on the phone and to wait until underwriting could review and revise. They sat around another month and told me that was not good enough and I need to re-submit everything all over again. I fought this, but figured I might as well re-submit since they did not want to cooperate. While this was going on, I knew I needed to rent the house since I was then living XXXX. So, when I had to re-submit all the paper work, I had to disclose that I was renting the house at this point. They sat on the re-submission almost 1 1/2 months and just told me I was turned down due to me renting the house. This is ridiculous for only being out of work for 6 months and they have now built up the payoff to over $ 25XXXX where I can not pay it. They have purposely run up the interest when I could have been paying the regular payments since XXXX XXXX. It is now XXXX and they refused to take any payments until the modification was done.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (PA)

National credit system showed up on my credit report for {$6000.00} I was unfamiliar with the name so I got they contact off the internet and gave them a call and was told that it was a debit collector for XXXX XXXX XXXX ( old residence ) after I we was on the phone XX/XX/2021 I was told that I would receive something by email few days went by never received anything by email called the company multiple time and was told different things that another department was going to send it check my junk mail still nothing sent them proof that the back rent was paid they claimed they never received it few weeks later still nothing gave them a call again and asking for verification of the debit after requesting to speak to a manager the manager was rude which cause me to get rude still never received the documents sent a certified letter requesting them to respond with in 10 days with the documents I'm requesting ( XX/XX/2021 ) by mail since I was never receiving the emails they claim they have been sending gave them a call and was told that it could take up to 30days gave them a call and the same manager handle the call and broke down what was on the report and finally emailed me but refuse to give me anything supporting the claim that I had did damages to the property
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint against Experian for the unwarranted removal of a positive credit account from my credit report. The account in question is my XXXX XXXX  XXXX account, which was paid in full. Despite its positive standing and full payment, Experian has mistakenly removed this account from my credit report, adversely affecting my credit score and financial profile. 

Here are the specifics of the situation : Account Name : XXXX XXXX XXXXXXXX ACCOUNT ENDING IN XXXX Status : Paid in Full Date of Removal : XX/XX/2024 I have concrete evidence, including official documentation from XXXX XXXX XXXXXXXX, confirming that this account was paid in full and should continue to be reported positively on my credit report. This documentation explicitly states that the account 's positive information should be accurately reflected in my credit history. 

The removal of this account by Experian is a significant error and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has unjustifiably damaged my credit standing, potentially impacting my ability to obtain credit in the future. 

I have already disputed this action directly with Experian, requesting that they reinstate the account on my credit report to reflect its true and positive status. However, to ensure that this matter is resolved appropriately and to prevent similar issues in the future, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

I am seeking the CFPBs assistance to compel Experian to : Immediately reinstate the XXXX XXXXXXXX XXXX account on my credit report as paid in full. 
Provide written confirmation of the reinstatement and any corrections made. 
Review and improve their processes for handling credit information to prevent such errors. 
The unwarranted removal of a positive, paid-in-full account from my credit report by Experian is a serious concern, and I believe it warrants prompt and thorough investigation by the CFPB.
Consumer complaint received 2017-05-23
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. (CA)

Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX   ) in  regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit bureau ( TransUnion,  XXXX  and   XXXX   ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.
Consumer complaint received 2015-10-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Schachter Portnoy, L.L.C. (NJ)

I received a letter from the law firm Schacter Portnoy dated XXXX XXXX, 2015 that have been retained by XXXX XXXX XXXX XXXX XXXX to collect on an amount due from Original Creditor, XXXX XXXX Bank. 
I have never received any communication from XXXX prior to receiving the letter from Schacter. From what I have come to learn this is a violation of the Fair Debt Collection Practices Act. 

I believe Schacter Portnoy has also violated the FDCPA as I responded to their initial letter within the 30 days and instead of responding to my letter, they filed a lawsuit, responding to my letter two days after receiving the lawsuit. 

I am in the process of responding to a Motion For Summary Judgment as the law firm has not responded to my requests for discovery such as copies or proof of any communication attempts by XXXX to contact me. 

I have requested proof from Schacter Portnoy proving they have been retained by XXXX to collect the debt other than the law firm stating so on their letterhead. 

I will attach correspondence at this time and will assist you in all ways possible.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Recovery Services, Inc. (TX)

Negative information appeared on my credit reports. I checked into it and found that a collection agency named Southwest Recovery Service reported the negative information. XXXX XXXX  XXXX was the original creditor. I have never received any information on this delinquent account and when I called the collection agency, they made the issue even more confusing. I have now been informed that the debt relates to XXXX XXXX XXXX. This is my XXXX and I am responsible for the debts of this entity. However, my complaint is, why was I not informed of such a debt? why was I not given the opportunity to dispute it or pay it before it went to the credit agencies? I have requested a copy of the contract and all collections efforts made by Southwest or XXXX with no success. Under the fair debt collections act, I'm have certain rights and I need to verify this was not a fraud account before I pay it. Why are people so rude at Southwest when I am just trying to clarify an issue that affected my credit? 
I am requesting all documentation related to the debt in question, including the original contract with my signature where I agree to receive goods or services from XXXX XXXX.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Sent in a request to correct credit file after sending validation letter to collection agency certified as required by law and receiving no response back. Credit bureau told me they verified info as my account. I requested their method of verification and received no r=further response. Response also took longer than 30 days. They are still reporting account as valid even though account was not validated as mine.