davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NH)

We are having trouble with Freedom Mortgage Company making payment for our property taxes from our escrow account. On XX/XX/XXXX, I contacted freedom mortgage through email asking for our taxes to be paid and for a response about why they had not been paid. I received a response to add a loan number for clarification. On XX/XX/XXXX, I emailed again providing our loan number for clarification, and another request for taxes to be paid. At that time, I again mentioned that our taxes were late and had not been paid. I still received no response. The only response that I received was an automated response form letter that said I should hear back soon. On XX/XX/XXXX, I received a certified letter from the City of XXXX warning that our property taxes would be sent to tax lien on XX/XX/XXXX. I immediately called Freedom Mortgage to ask why the taxes had not been paid. At this time, I spoke to a woman named XXXX who said she would open a new ticket. She could see that I had a ticket already submitted but that nothing had been done on it. I submitted the new ticket and added all documentation. After waiting 24 hours, I decided to check in on the status of my request. This time, I spoke with a man named XXXX. I told XXXX my situation and he told me that he could not see any of the documents I had sent. He said they must not have been uploaded yet to the Freedom Mortgage site from my emails. I immediately asked to speak to a supervisor, and I was told that I was not able to speak with a supervisor, rather, that he could solve my problem. After outlining my problem, and asking for my taxes to be paid from my escrow account, I was told that he can not guarantee anything but he would put in a ticket. I then asked to speak to the tax department, and was told that the tax department does not have a phone number. He told me he could not transfer me to them either, as there is no direct line. He continued to say that I was speaking to the right person. I asked him to talk to his supervisor and was not given access. He then spoke with his supervisor, as I requested to get my ticket expedited, as our property will go to tax lien in less than a month. I was told that there is no such thing as expediting a ticket. After complaining many times and threatening to go to both HUD and the XXXX XXXX XXXX, I was told that they may be able to give me an answer by next Tuesday but they could make no promises. It was at this time that I decided to issue a complaint with XXXX XXXX. At no time, has anyone apologized for these issues or non-payment of my taxes. I have also received no explanation as to why they were not paid. I was told that {$10.00} was paid on XX/XX/XXXX. The City of XXXX has no record of this payment. The total amount in our escrow account is almost 3 times the amount due in taxes, yet Freedom Mortgage can not make payment or provide any answers.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Hello yes my name is XXXX XXXX and I would like to report a lady thats been hacking me online and logged into my USAA bank account and she somehow added more than XXXX and took it out now it says I owe XXXX. Please help her name is XXXX. I had her ID but she hacked my photo gallery and deleted it herself .she used my social security number to create the USAA account.
Consumer complaint received 2021-01-31
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA Opened XX/XX/2011 has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-05-28
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. (FL)

i am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Placement Services, LLC (WI)

On XX/XX/XXXX Professional Placement Service called twice before XXXXXXXX XXXX using an automated system saying they are a debt collection company and requesting me to call XXXX. Caller ID has Professional Placement Service. I didn't call the number since they don't mention a person 's name that the debt is regarding. This robocall is calling a business phone number. The posts on the internet from XXXX XXXX website said that this is a scam.
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management has been harassing my son ( who is in college ) and myself for the past 3 months by calling us with various telephone numbers. They contacted my son again on yesterday, while he was in class, stating that it is an absolute emergency and urgency that I be reached because I could be in danger. They never acknowledged what the problem was about. Seemed like the perfect scam to solicit funds by fast talking and creating fear of a relative. 

Yesterday, my son called and gave me one of the numbers. They were trying to solicit my personal debit/card information and were n't professional at all. They had foreign accents and had practiced exactly what to say for any occasion. Once, I made it plain that they would n't ever receive my personal information they wanted to know why? They said the following : ( 1 ) We need your personal debit card or credit card information for a debit. 
( 2 ) Why wo n't you give us your information? This is n't a scam. It really is n't. 
( 3 ) We have been contacting your son ( 4 ) We just need to keep you on the phone a little longer because we want to talk to you. 
( 5 ) I 've sent you two emails and it shows that you 've received them both. Have you gotten them yet? Stay on the line until you have received them. 

I never received the emails and I hung up! They have called again today and I have blocked the number. I am really wondering if this company was sold my personal information from another company? How would they be able to receive my personal cell phone numbers of my family members? I want the calls to stop because I feel that my personal life has been violated and anything that you can do to help will be greatly appreciated. 

Thank you
Consumer complaint received 2022-08-10
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NJ)

To whom it may concern, I, XXXX XXXX of the XXXX of the XXXX family am writing you today as an aggrieved man. I was caused an injury and am owed a remedy. My debit card ending in XXXX was stolen and or compromised. A transaction I did not authorize and or consent to at a place called XXXX XXXX for {$160.00} took place, while I was at work. I checked my wallet and I do not have my debit card on my person. I do not know how this individual got my debit card pin number. I did not consent to nor authorize this atm withdrawal.
Consumer complaint received 2018-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed inaccurate information on credit report about a Public Record and a collection for XXXX XXXX XXXX. TransUnion was notified on several occasions about the inaccuracies on credit report. It was supposedly investigated but I never received any results from said investigations. After call and getting no resolve I sent a certified letter asking for validation and verification of investigation along with an updated credit report. It has been over thirty days and I have not received anything.
Consumer complaint received 2021-09-04
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: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (NC)

occurred : XXXX amount : {$70.00} actions : It seems the `cash app` XXXX application is designed to make it easy to mistakenly transfer money using the instant transfer button, thereby incurring steep fees for the transaction. Normally, there would be a confirmation step clearly stating the fees involved whereby the customer can make an informed decision to proceed or exit accordingly. Instead the app immediately executes the transaction with no recourse. The end result is a consumer who is tricked into thinking they are the fool, rather than the app specifically being designed in a way to promote that mistake ( a feature, rather than a bug ). 
In my specific case ; I tried to resolve using the help chatbot, which told me to send the money back to cash app ( effectively reversing the transaction ), then the chatbot replied with nothing more than a ". ", and said it could no longer help me on that problem. Customer service said they couldn't help me, and literally hung up before I could ask a follow up question. When I called back again to ask for a manager, they said the manager was email only ( which I suspect is not a manager at all ). So at the end of the day, they kept the {$70.00} transaction fee, but the money I intended to transfer was still with cash app as the " help '' bot had instructed me to return the money..
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Next Level Finance Partners  LLC (NJ)

There are 2 unauthorised hard inquiries on my credit report. This will affect my credit score and credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX
Consumer complaint received 2021-09-04
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. (CA)

XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

To Whom This Concern I had my retirement fund account closed and over  XXXX  was to be deposited to my bank via electronic transfer I called  XXXX   XXXX  at  XXXX  to say the funds were not in my account they said they transferred it earlier in the afternoon.  XXXX  told me the funds would not be available until  XXXX  am midnight which made no sense because the funds were electronically deposited into my account through wire transfer and should have been available immediately.  XXXX  also said they had no could n't see the deposit coming through but it would be available at midnight. Her name was  XXXX   XXXX  her supervisor was  XXXX   XXXX  and her  manager  was  XXXX   XXXX . I also asked who I could file a complaint with weather it be the FDIC or whoever she told me she had no idea and had no interest in finding this information out when its a federal law that they are supposed to know these things.   I appreciate your time and attention to this matter. I can be reached at  XXXX
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

4 years on years this company has been harassing me with medical bills that do not belong to me the latest one at {$10000.00} medical bill that is absolutely named to a company that doesn't exist and any directory or any corporate XXXX XXXX XXXX XXXX XXXX XXXX 's is a new name for some other entity they probably made up to continue to Bill and honestly get away with extortion. XXXX XXXX XXXX does not think of themselves as having to comply with any laws that the CPS peep without there nor the fcra or congress. There are giant criminals with thousands of complaints across the internet and we continue to let them do business. this latest piece of extortion opened XXXX 2020 is with a company I've never heard of nor have anything to do with or have signed any bill or promise to pay
Consumer complaint received 2017-04-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

OCWEN Loan Servicing, LLC states that they are in the business of helping homeowners as they claim on their website 'Helping Homeowners is what we do! '. Frankly, They are in the business of screwing homeowners like myself and denying me any opportunity for a loan modification.
I request a loan modification from OCWEN, h  owever, they have wrongfully denied my request every time, including the most recent denial letter dated  XXXX   XXXX ,   XXXX   from  OCWEN 'S Escalation Department. I submitted the Request for Mortgage assistance package ( RMA ) for evaluation under the HAMP Tier I and Tier II with all borrower and non-borrower 's income and expenses. OCWEN has failed to evaluate the applicatio n for mortgage assistance based on the reported income ( borrower and non-borrower ) and expenses.
Consumer complaint received 2022-09-08
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. (FL)

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. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXXt Account # XXXX has violated my rights. 

XXXX Account # XXXX XXXX has violated my rights. 

XXXX XXXXt # XXXX XXXX XXXX violated my rights. 

XXXXt Account # XXXX XXXX has violated my rights. 

XXXX  Account # XXXX XX has violated my rights. 


15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2021-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I sent a check to NetCredit. I wrote out {$6000.00} but the numerical was for {$6900.00}. It was put in XXXX XXXX lockbox. It was deposited into XXXX XXXX and they discovered and corrected the error XX/XX/20. They put it in NetCredits account. NetCredit has XXXX XXXX. Before I knew this I continued to call NetCredit because the check had cleared. Around XX/XX/20 it was discovered that XXXX XXXX had gotten the check. NetCredit still wanted to be paid. They drafted my checking account in payments to equal the {$6000.00}. I have been provided proof by XXXX XXXX that they transferred the money to NetCredit on XX/XX/20. NetCredit will not answer my calls or emails. They continue to neither confirm or deny that I will be refunded. This has been going on since XXXX XXXX when I told them what XXXX XXXX was telling me. XXXX XXXX then provided me with proof of the transaction and I emailed that to NetCredit. Still nothing has been done.
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX my bill for account AMERICAN EXPRESS Opened XXXX. XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2018-03-20
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. (CA)

Re : XXXX XXXX XXXX apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained on XX/XX/XXXX Credit reporting Agencies : experian and XXXX Date Credit reports Ran XX/XX/XXXX ( experian ) andXX/XX/XXXX Called XXXX XXXX XXXX, no information given other than the account not belonging to me.

The {$15000.00} from XX/XX/XXXX does not belong to me ( new and just starting to build credit ). XX/XX/XXXX thru inaccurate reporting to experian and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX   was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (FL)

I am writing to dispute the charge of {$2000.00} that continues to show on my XXXX account as the appliances were not delivered. 

On XX/XX/2022, an online order was placed for a washer/dryer pair and paid using the XXXX financing account. The delivery company XXXX indicated the order was being delivered to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX. As the delivery address was incorrect, the order was cancelled. Delivery did not take place. 

XXXXXXXX XXXX card is issued by TD Bank N.A. and TD Bank has refused to credit my account {$2000.00} despite the fact that the order was cancelled and appliances never received. 

Thank you for your prompt attention.