davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I have asked Professional Adjustment Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

In XX/XX/XXXX I made my mortgage and escrow payment to Ocwen Loan Servicing , LLC in the full amount of the previous ( XXXX ) months, which was received on time. 
The mortgage has a variable interest rate, which happened to change that month, increasing the total payment amount to {$1700.00}. Therefore, my payment was short by {$56.00}. Once I became aware of this oversight, I IMMEDIATELY made payment for the balance, which the bank says was received on XX/XX/2017 ( two days beyond the 30 day late period limit ). 
The bank has reported this to the credit agencies as a MISSED PAYMENT, ( 30 ) days late. 
The payment was NOT MISSED or late, the bank held it in their suspense account rather than any number of other options over a {$56.00} shortage that was immediately resolved. 
This is not factually the same as a missed payment.
Consumer complaint received 2016-08-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

My mortgage company for my homestead is simply claiming they I owe much more than I do. They will not and have not provided me proof that I owe what they say. I have provided proof of my payments and they still claim that they have the correct total. They have my home in forclosure status. They have been abusive verbally to me on nearly every phone call I make to them.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}
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: EQUIFAX, INC. (NE)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-05-19
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midstate Collection Solutions, Inc. (IL)

My name is XXXX XXXX XXXX and I 'm writing to you because I believe that I XXXX XXXX XXXX XXXX is violating my rights under the FCRA. Approximately three years ago, I pulled my credit report to check for accuracy. The first credit reporting agency that I got report from was XXXX. Upon reviewing my report, I noticed that XXXX XXXX XXXX XXXX had an account in collections on my report. Since I did n't understand why this account would be listed on my report, I immediately disputed the item through XXXX XXXX stating that this account was n't mines. In addition to this, I contacted XXXX XXXX XXXX XXXX to further investigate as to why this account was reporting to me since I never attended their college. While speaking to XXXX XXXX XXXX college billing department, they informed me that this was from registration in 1991. I informed them that I never registered with their college to attend because I was attending XXXX during that time. They said that it did n't matter and that they were not going to make any changes to my account. I started wondering if this was fair since the account was so old and they never place this account in collections until a few years ago. Let me be clear that this is not my account and that I never attended this school and this is not related to any student loan account. I 'm wondering why am I still dealing with account that 's over XXXX years old. I have since disputed this account with XXXX XXXX, XXXX, and XXXX with the same outcome in which XXXX XXXX XXXX XXXX confirms the account and leaves this account on my credit report. I never received any written notification regarding this account in XXXX years and yet it 's on my credit report. I feel as if I 'm a victim of this college violating the fair credit reporting act. I was told the attorney advice to report this school to your agency to try to get some resolution and compensation for XXXX XXXX XXXX violating my rights. Here is an account that 's over XXXX years old and yet every time they validate this leaves this account registering as a negative item on my credit report. 
I am asking at this time for some resolution in resolving this matter. Should you need to speak with me further regarding this matter, you may contact me via phone at XXXX, by e-mail @ XXXXXXXXXXXX or by mail @ XXXX XXXX XXXX XXXX XXXX, Il XXXX
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (VA)

On XX/XX/2021 at XXXXXXXX XXXX I took a withdrawal out of my Binance USA account for XXXX USD ... .it told me it would be in my account in 3-7 business days ... well it's day 10 and the funds still aren't in my account ... .I 've sent a email but still no response from their team ... .I checked to make sure my bank info was correct and it is ... .so what is the hold up
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. (NE)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-04-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: COMMERCE BANK (MO)

My name is XXXX XXXX XXXX XXXX, I had a first mortgage through XXXX at XXXX time that was sold to XXXX XXXX. I paid and was current with XXXX. I had a anytime line with XXXX Mortgage of XXXX through commerce Bank in which I paid down to {$26000.00}. Commerce foreclosed on my second. I had a summons on XXXX/XXXX/2015 which I went appeared to show and let the attorney for Commerce know and see the agreement and the payment that was already accepted. She did not know that my XXXX was with XXXX and that I was current on my XXXX mortgage, neither aware of my agreement to pay back commerce. So she continue the case to XXXX/XXXX/2015 in which I appeared. She told me she had good news and bad news. The good was that commerce was giving me back {$160.00} that I paid on the agreement with XXXX XXXX and the they were going to continue put me out my home and pay off my XXXX. I was devastated and dismayed to hear this. She continued the case until XXXX/XXXX/2015. I went back home to call my XXXX and they told me what they have been telling me for the last 4 months that as long as i was current with my XXXX that they would not allow anyone to purchase my XXXX mortgage. I hung up to access my account with XXXX online to not being able to, so i called XXXX back and while the attendant was helping me she discoverd that my loan was paid off as of XXXX/XXXX/2015. Told me commerce sent payments on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. I immediately contacted the vice president office to say to them what I am writing now. XXXX XXXX told me she would have someone contact me concerning this and that was not how Commerce operates. I get a call from a complaint person who calls me basically to tell me the home has been foreclose and that commerce purchase my XXXX. This process has not been handled correctly and now I am forced to get the media and a attorney involved. I want my home and made every effort in obtaining an agreement with commerce and also keeping my XXXX mortgage in good standing. I am attaching my XXXX mortgage document and agreement I had with XXXX XXXX. I want to resolve this and keep my home
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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. (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. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I'm currently in forbearance under the Cares Act and it is scheduled to end on XXXX XXXX. Wells Fargo has given me several options that are not acceptable or beneficial to me. I have a XXXX loan and would like my payments placed on back end of loan. Furthermore, Wells Fargo has put late fees while my mortgage is in forbearance. 
A clear violation of the Cares Act
Consumer complaint received 2016-06-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Management Company (FL)

I have contacted the original creditor and was informed that they never submitted the hospital bill to my car insurance or Medicare. I feel that they should release me from liability on this due to the fact that I was not informed of it until it was too late to submit it to either of my insurances. The hospital I was treated at received their payment. This was for the emergency physician I do n't feel this is right and should be removed.
Consumer complaint received 2017-03-10
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

National Credit Systems continues to report an account as in collections after it has been paid in full. While on the phone they stated with upon payment they would delete the account which they lied about. It 's still being reported as an account in collections which is negatively affecting my credit score
Consumer complaint received 2018-03-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (AZ)

Quicken loans # XXXX, appraisal was done, I told appraiser that the square ft, figures he was using was wrong and that the assessor was going to change them, the correct figure was 1560 sq. ft. backed up by insurance coverage, the appraiser used 1377 sq ft.. The 30 ft diff, is the way the laundry room is situated ( 1560-1530 ) Had a discussion with Quicken loans telling them that the mortgage should be on XXXX instead of XXXX, told QL you can not have a mortgage on part of my house, they chose to ignore this and we closed. I figured that all this info would go to the dept that handles problems and it would get fixed, never did. Spoke to a RE Atty, she told me that you can not have a partial mortgage and that the lender could not foreclose on a partial mortgage, and the Atty thought the only way to fix this is to have the lender write off the loan since it was invalid as it stood., This refinance was XX/XX/XXXX I waited almost a year for this to get fixed, and it never has. So now ( XX/XX/XXXX ) I am refinancing with another lender, if as the attorney believes that my mortgage is invalid then my new lender has a different pay off. I told QL before we ever closed that this needed to be fixed I didn't hide anything, they have known from the beginning that this mortgage was not valid, so now I have been making payments on an invalid mortgage. The assessor shows sq. ft. as 1530, mortgage is on 1377 sq ft. QL paid the taxes which showed the increase and didn't question why. In one of e-mails QL says that the appraisal is based on the legal description and sent me a copy of same as if any improvements ie : house doesn't count, this is a housing tract not an empty lot. The man that called me today regarding my payment said that they make mistakes but not his department he just wants my payment, problems go to a different dept. I have copies of the discussion and e-mails regarding all this. This appraisal shows 1377 sq. ft. in spite of all the info they have regarding this it still has not been corrected.? How many people have been foreclosed on when maybe they had a way to save their property, especially if there was a mistake in their mortgage? We expected this to be fixed to both of our satisfactions before now, it wouldn't have been that difficult to do, but we were never contacted QL just let it go. This mortgage would never been valid. Contracts aren't supposed to contain major mistakes. Current e-mails are available if needed.
Consumer complaint received 2022-02-19
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. (PA)

I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to east coast I realized I didnt ha XXXX my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.
Consumer complaint received 2022-08-10
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. (GA)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : 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
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (GA)

I consumer entered into a consumer credit transaction with Navy Federal Credit Union. 
It has been noted on the payment coupon AKA bill/statement that this 100 % value coupon is being accepted for the value indicated ( {$12000.00} ) 15 USC 1602L . I wish to thank you for obtaining the funds from my government-created XXXX XXXX XXXX account for me in order to prepay this obligation. You could have informed me about this process a long time ago as it could've prevented my family and I unnecessary financial stress. 

Fact, Navy Federal Credit Union is in violation of 15 USC 1611 under provisions of 15 USC 1601. 
My application is actually a negotiable instrument and accounts receivable pursuant to UCC Article 3 3 -304
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

We were notified by letter XXXX XXXX, XXXX that we were owed {$940.00}, a XXXX Escrow Ck - and that a check had been issued to us but not cashed. It stated we needed to respond no later than XXXX XXXX. My husband called XXXX, they said we would have in 20 days. 
Never received, called again XXXX/XXXX/XXXX. Never received. 
We received a certified letter dated XXXX/XXXX/XXXX. I called XXXX, was told we would have check in 7-10 business days. Never received, called again XXXX, was told the check should have been returned and that he sees no notation on acct. since XXXX. I am told to call back after XXXX so they can investigate and then get the check expedited. 
On XXXX I called and was told they would look into it. ( by supervisor XXXX XXXX. ) Never heard back..
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA XXXX
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United PanAm Financial Corp. (AZ)

United Auto Credit left threatening messages on my voicemail on more than one occasion. They left a voicemail on my phone before XXXX. They would call back after I ended the call and told them not to call minutes later. They continued to call my references cell phones after asked not to. They called my cell phone after asking not to. Once I received I text message saying they could find my vehicle. Would receive emails threatening the collateral no encrypted.