davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MN)

I was behind on my mortgage payments, on XX/XX/XXXX I called Freedom Mortgage and asked what the total due was to bring my account current. I was given the amount {$14000.00} ( this was the amount on the XX/XX/XXXX monthly bill ) which is what I paid. I also received a new bill on XX/XX/XXXX which I disregarded as I was told I was paying everything to bring my account current on the same day. My monthly mortgage payment is {$1500.00} going forward. I made another payment of {$780.00} on XX/XX/XXXX to break up the mortgage payment so I could continue to stay current. I just received my XX/XX/XXXX bill with the total due of {$1900.00}, this includes my monthly mortgage payment and also {$390.00} in " unpaid late charges ''. I contacted Freedom Mortgage today XX/XX/XXXX as I was confused how I could owe {$390.00} in late fees when I was told on XX/XX/XXXX that to bring my account current I needed to pay {$14000.00} which I did. I was told that the " unpaid late charges '' don't get paid due to how the payment hierarchy is and that they will become due at the end of my loan ( or when I pay my loan off ). As a consumer I am not understanding how Freedom Mortgage can be false/misleading regarding " unpaid late charges ''. If I was past due for half of XXXX into XXXX how are not ALL " late charges '' showing on each bill or factored in when bringing your account " current ''? From my understanding these " unpaid late charges '' are not being paid until the end of the loan, if that is so why are they showing on my current bill that is due in XX/XX/XXXX? I am struggling as it is to make my mortgage payment, Freedom Mortgage needs to provide accurate billing, how are " unpaid late charges '' being added after you bring your account current. When calling to inquire about the " total due to bring the account current '' why would " unpaid late charges '' not be included in that?
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

What happened? 
I have a XXXX XXXX mortgage loan serviced by Flagstar. I entered forbearance in or around XX/XX/XXXX. In XX/XX/XXXX, I contacted Flagstar again to request that I be evaluated for post-forbearance options per Fannie Mae guidance. Flagstar informed me that my account was subject to a " block '' that needed to be removed before they could proceed. On XX/XX/XXXX, I called Flagstar again, and was again told the same thing. The representative told me to call back in a week, and the block would be removed so that they could proceed with workout options. On XX/XX/XXXX, XXXX XXXX from XXXX joined me for a call to Flagstar. We spoke with customer service representative XXXX and then supervisor XXXX. XXXX said that a " template reset '' was necessary. After a hold, XXXX informed us that she had communicated with the IT department and that IT had confirmed that they would remove the hold within 24 hours. 
She scheduled a follow-up call with me for the following day. On XX/XX/XXXX, I received a follow-up call during which I was told that Flagstar had not yet been able to reset my account and remove the block. Flagstar again told me the same thing : the IT department needed to work overnight night to reset his account before they could proceed to evaluating the account for post-forbearance workout options.

At this point, I had been attempting to exit forbearance for months and have been told five times that an IT problem is preventing Flagstar from moving forward. Each time I have been assured that the problem is a simple IT fix and will soon be resolved, but Flagstar has not yet resolved the problem and moved forward with their evaluation.
Consumer complaint received 2023-01-31
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX/XXXX  XXXX {$4100.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$85000.00} XXXX/XXXX  XXXX {$800.00}
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc. (MN)

I recently wrote a letter to the debt collector company of First National Collection Bureau to explain how, where, and when was the original debt collector of XXXX XXXX XXXX who did not notify me of any transactions which I was not aware of from the original creditor of XXXX XXXX XXXX, when I am a XXXX XXXX XXXX person on assistance in Minnesota since XX/XX/XXXX to not know anything until I have slowly recovered. I feel that anyone can be using my name, social security number, credit card or any information of me to fraud. Please advise me on this situation for which I feel I do not owe anything.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S (OR)

I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends college. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole  amount. They refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

We had a mortgage through Specialized Loan Servicing ( SLS ) for 2 years and we refinanced with a new bank ( XXXX ) on XX/XX/XXXX. Our property tax payment was due from escrow on XX/XX/XXXX, so we planned to have the new loan make the payment of {$2200.00}, which would have meant about a {$3000.00} refund from SLS after closing the loan with them. We received about {$800.00} from them, and when I reached out, they stated that they made the property tax payment on XX/XX/XXXX ( the day before closing ). I have spent the last month confirming with the county that they have only received the payment from XXXX ( the new loan ) and have not received any payment from SLS. 

Because our loan is now closed with SLS, they have disabled our ability to send messages to them and they have not returned any of my calls, so I am unable to get ahold of them to resolve the missing {$2200.00}.
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2023-01-31
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: Credit Karma (NJ)

Credit Karma said that I had an opportunity to open up a card and I did I was given a {$300.00} credit line with XXXX XXXX XXXX  and they never reported me for over a year that I have been making substantial and monthly payments now after I called XXXX XXXX and ask them why I wasn't given the the proper on Time payments to be reported to my score they finally opened up and sent it to to my credit reporting agencies and my credit went down XXXX points XXXX points ruined me I've been shambles now I worked so hard to try to get my credit up now I'm down XXXX points for being misled by Credit Karma and XXXX XXXX XXXX  what a sham
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Under FCRA 611 ( 1 ) ( A ) these companies have failed to respond to my debt validation dispute within 30 days. In addition, Consumer Portfolio Services continue to post on all 3 of my credit reports inaccurate information. Consumer Portfolio Services no longer own this debt however, continue to negatively post derogatory unsubstantiated debt without adhering to the North Carolina Law, Section 1-52.1 of the North Carolina Rules of Civil Procedure that explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Empowerment Ventures, LLC (SC)

I believe Rushcard is scamming customers again. I tried to use my RUSHCARD on XX/XX/XXXX about XXXX. My purchase declined although my direct deposit had just been posted. I called Rushcard customer service right then in XXXX at the checkout counter. An agent told me my card had been locked on XX/XX/XXXX due to suspected fraudulent activity. No one contacted me to tell me about the account lock. The agent says they called, texted and emailed, but I never received ANY type of communication from them. They said they were unable to transfer the funds to my wife ; s Rushcard and the only thing they could do was send me a new card to be activated. This takes 7-10 business days and I ca n't wait that long for my money. They said they could send the card with 2 day shipping, but there would be a {$30.00} charge. I refused to accept this and asked for a supervisor. The supervisor told me they would waive the {$30.00} fee since I was upset. I called them back this morning to make sure my card was getting sent out. The agent got a supervisor on the line because the card had not been sent out yet. The supervisor told me they can not waive the {$30.00} fee so I had to pay {$30.00} to get my new card sent to me. I was told the card would be sent out today and arrive by Thursday. However, at this point, I have no trust in their word whatsoever.They have no right to charge me for this. If I had known on XX/XX/XXXX that the account was locked, I would have had time to get the new card before my direct deposit on XX/XX/XXXX. Why would they lock my account and not send a new card right away? I plan to cancel my account as soon as I can get my money out of it. Please investigate this business as I know they wrongfully locked customers accounts in 2015. I have not seen any type of fraudulent activity on the account whatsoever so I fell like this is a cover story for their mistakes. To put the icing on the cake, Rushcard was able to deduct their monthly fee while the account has been so called " locked '' and unable to withdraw from. Due to this issue, I am unable to buy groceries or pay bills for my family. I have XXXX children and a wife to provide for. There is over {$900.00} in my account and I ca n't access it until I receive a new card by mail.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have requested several times for this to be removed from my credit reports. I sent a validation letter to the credit bureaus, and it was returned as meets FCRA requirements. I did not receive validation that this belongs to me. I then sent a direct dispute to Portfolio Recovery Associates, and they responded with a bill- not valid proof according to the FCRA. I am requesting for this account to be removed from all three of my credit reports.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (NJ)

Company continue to call my phone, my parents landline phone which they have NEVER been given permission to, and other numbers related to me. They will constantly call throughout the day and they do not say who they are or what they want which is why I refuse to answer their calls.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This was paid in full at the settlement amount listed, to the collection agency. The {$110.00} was promised to be cleared from the account because it was an error in billing. They did not clear it as promised and need to. This account is a {$0.00} balance.
Consumer complaint received 2021-08-11
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-05-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Tried calling Capital One Bank to open a savings account. Was told that I had to have an account open before they would speak with me about the account. Went to their website. Filled out their forms. 

Called, confirmed with the Capital One Bank person that it was open but that I had missed their special coding. This was 5 minutes after I opened an account. Capital One representative said that I should call back on XX/XX/2020 to see if they would still honor the terms of the savings account. Capital One Bank rep could not guarantee that they would. 

Why would I open an account when the terms change within 5 minutes of opening the account? The CFPB needs to protect Americans from banks that are fraudulent and deceptive in their advertising. I am XXXX years old and find Capital One Bank endemic of the American condition. Lie Lie Lie. Then steal. 

When I called to confirm the terms ( 5 minutes after opening the account XXXX the terms had changed because I hadn't clicked on certain spots of the website. I'm XXXX. Capital One wouldn't help me with the process and quite frankly is happy that I missed their hidden tricks. 

Outraged but not surprised.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NY)

I am refinancing the loan on my cooperative apt with a different bank. New Rez 's attorneys told us that it is taking 8-12 weeks for them to produce the collateral ( stock and lease ). Since rate locks and mortgage commitments expire in 60-90 days, they know this because they are in the mortgage business. This means NewRez is holding me prisoner to a higher rate mortgage with them, and I have wasted fees in applying to a different lender. Nobody can refinance if this is their practice!
Consumer complaint received 2017-10-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (IL)

LOAN WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CLAIMS DEPT XXXX. 
our mortgage was sold off from XXXX XXXX to this banking institution. 
we had some storm damage to our home. our XXXX XXXX policy will cover the damage with no problems and have been very helpful. This company now wants us as a home owner or our XXXX XXXX XXXX to pay for them to send out inspectors to inspect the home once work is complete. so we have to come up with {$100.00}. When I discussed this with our XXXX XXXX agent he said in 25 years as an adjuster he never heard of a home owner having to pay for a inspection fee nor as an insurance company. 

I think this may have some legal ramifications and need help from an agency to check into this customer gauging. Can you assist or get us to the correct party? 
. 
Thank you XXXX family
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I completed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. It has now been over 30 days, and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I the consumer received an alleged claim stating I owed Portfolio Recovery Associates this alleged debt they claimed they purchased containing my personal private information including my social security number, telephone number and personal address I did not give them any consent to have any of my personal private information nor did i give them direct consent to contact me witch is a violation under the fair debt collection practice act. 
they continue there Abusive debt collection practices by sending me false and misleading information though the mail and continue to invade my individual privacy. they continue to harass, oppress, abuse, and harm my reputation as a consumer. in the attached documents you will see an identity theft report filed with the Federal trade commission.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

I entered two Charge Backs with Chase Bank. A deposit {$3000.00} which I gave XXXX XXXX XXXX for new sails and then {$3500.00} which XXXX XXXX XXXX charged without my consent before delivering the complete order. On XX/XX/XXXX Chase called telling me they had received XXXX XXXX XXXX 's response letter which they were sending me. I was told that I would need a third party to rebut this letter as evidence that the Sails were not made correctly and that I had not received the complete order. I called Chase twice on XX/XX/XXXX telling them I did not receive the letter sent XX/XX/XXXX. I asked for the letter to be emailed or next day mailed. They said they could not do either. I was told it takes 10 business days to get a letter. I called twice on XX/XX/XXXX to confirm I still did not have the letter. The second call on XX/XX/XXXX, I talked to a supervisor named XXXX for 35 mins. I asked him to next day mail the letter. He did not nextday mail the letter. He told me I had 30 days from XX/XX/XXXX to respond. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX I call again and said I did not have the letter. I was told it would be resent and would take 10 business days to get. On XX/XX/XXXX I called three times trying to get the letter. The last person I talked to on XX/XX/XXXX was XXXX. He said he could fax the letter. He said it would take 5 business days to fax it. I did not receive the fax. XXXX told me I had 2 billing cycles to get a third party letter to rebut XXXX XXXX XXXX 's letter. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX, after still not receiving the letter, I found Chase Bank 's Executive Office and talked to XXXX XXXX. She next day mailed me the letter from XX/XX/XXXX which did state, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX. '' Chase failure to get me information I needed in a timely manner caused me to loss my Charge Back.