davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

To whom it may concern, I have been with Rushmore loan management since XX/XX/2018. I have tried to modify my loan numerous times. I have always been denied. I know I am extremely past due and I have tried everything in my power to get back on track. Unfortunately, I am just too far behind. I have exhausted all of my Covid forbearance options. I was advised I can't extend it. I contacted numerous housing and urban development to try to assist me with Mortgage Delinquency and Default Resolution Counseling.I have not heard back from any institutions. I reached out to the XXXX XXXX neighborhood housing services Inc. agency ID number XXXX. I reached out to XXXX XXXX and XXXX XXXX XXXX XXXX ID XXXX just to name a few. I reached out to numerous others in my area and Im not sure if it is because of Covid that nobody answers the phone, but its always machines stating somebody would get back to me. I have plenty of equity in my property so my last resort and last option is now to obtain a private money loan. I can not get a regularloan due to my credit and delinquency, and I held off on private money because the rates are higher than normal loans. I currently already have a 6.7 %. Because of the numerous amounts of equity I have, I qualify for a rate of 9.99 % Right now, the only issue is my current foreclosure sale date that is scheduled for XX/XX/XXXX. I did call Rushmore and advised them that I am going to be refinancing and pay them off entirely. Today I spoke to a supervisor and advised them as well. At this time I am asking/begging for a loan extension. Rushmore stated that there is nothing left for me to do other than to pay them in full which is exactly what I am trying to do. Please see the attached document showing I have been approved and we have indeed already started this process. Rushmore can confirm that I indeed have requested a payoff demand. These private money loans close extremely fast as they do not have the same specifications as a regular loan. However I was advised I would need a sale date extension. I am begging you to please allow me to pay this loan off/give me a little bit more time to close this loan. I am waiting for the Rushmore loan management payoff demand as well as a few others. Escrow has already gotten to work and as long as we get this extension, I will pay all parties in full within the next 30 days.My house is worth XXXX. Please let me utilize this last option to save my home.Thank You
Consumer complaint received 2022-01-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My mortgage was being serviced by XXXX XXXX XXXX  and it was sold to Select Portfolio Servicing effective XX/XX/2021. I received an email from XXXX regarding this but no other information was provided at that time. I received a letter stating the change from Select on XX/XX/2021 that they were going to be the provider and pay them effective XX/XX/2021. So I contacted them on XX/XX/XXXX to speak to someone about making the payment since I didn't want it to be late. I was the woman I spoke with that since my account information wasn't there, they could not accept any funds?? She told me to register on their website and to start that process. I told her I did and that she said allow it until XX/XX/2021 to show up in their system. 

I checked on XX/XX/2021 and still nothing was showing. On XX/XX/2021, it had showed up on their system so I registered to have my payment information saved. I then received a notice that I was ineligible for phone payments without a {$15.00} processing fee. I was also ineligible for online payments unless I would pay a {$15.00} processing fee as well. In this day and age, why can they not accept payments online without a fee?? 

I spoke with two reps at Select today who both told me that my account isn't 'boarded ' yet and that that will still take time? I was also advised that there is no credit reporting or late fees for the next 2 months while this is being handled and that I should have no concerns about waiting the time ( 60 days? ) to make payments??? I was also told if I mailed a check, it could take between mailing, receiving payment and their processing time, another 3 weeks to have the payment credited?? 

Again, how in this day is there so much delay with a supposed established company and that a quick XXXX search revealed that they have been listed as having many issues. And that with the age of internet and online banking, why so much delay and additional charges?? This is unacceptable.
Consumer complaint received 2021-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Both my BofA and XXXX credit card numbers were stolen on Wednesday XX/XX/2011. On Monday XX/XX/XXXX approximately ten fraudulent charges hit my BofA credit card and two hit my XXXX credit card. All were online purchases to XXXX, XXXX XXXX , XXXX, and XXXX XXXX . All told, approximately $ XXXX was charged to both cards. 

On XX/XX/XXXX we had movers with XXXX XXXX XXXX XXXX XXXX collect our household goods for a move to XXXX. I used both cards to pay the $ XXXX moving fees. The driver did not have the capability to swipe my cards and had us write my credit card information on the invoice. He also took front and back cell phone pictures of both cards. He said it was procedure. I was not comfortable with this, but by that point the deed was done. 

On the XX/XX/XXXX BofA alerted me to a series of unauthorized charges. I had a suspicion it was from someone with the moving company, though I was not sure. Shortly thereafter XXXX alerted me to unauthorized charges. Though I can not *prove* it was someone at the moving company, it is the only entity that obtained both of my credit cards. As charges occurred simultaneously, this is the only thing that makes sense. 

I contacted XXXX XXXX with Quality Control, XXXX XXXX XXXX XXXX XXXX. She took the relevant information and started an internal investigation. I do not know the status of her investigation. She is at ( XXXX ) XXXX, XXXX. 

XXXX resolved all of the fraudulent charges. BofA resolved all of the non-Lowes charges including {$3000.00} to XXXX XXXX and {$71.00} to XXXX XXXX, but denied a charge for {$1700.00} and {$210.00} made to XXXX online, stating that " based on your account history, this charge is consistent with previous charges with this merchant. '' On Saturday XX/XX/XXXX I made a POS purchase from my local XXXX XXXX in the amount of {$42.00}. Because this was a Saturday the bank did not process the charge until Monday XX/XX/XXXX, the day the other fraudulent charges occurred. Because of this -- and despite me clearly instructing the bank not to do so -- the bank lumped this legitimate POS charge into my fraud claim, then denied the entire claim based on this one, legitimate purchase. I have asked the bank to review the claim again without the legitimate POS charge but again, based on this one charge, denied the entire claim.
Consumer complaint received 2021-10-12
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. (NJ)

I have tried calling Experian on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (MO)

They used my information without my permission years ago an I didn't know it, this wasn't on my credit when I signed up with XXXX a year ago. When I looked at the collection it said it was assigned to an attorney, collection agency, or credit grantor 's internal collection department in XX/XX/XXXX for XXXX XXXX which I never signed up for an if I'm not mistaken Timeshares cost way more than {$700.00}. This is suppose to come off XXXX XXXX, it seems their trying to get money from anyone before this falls off! 
THIS DEBT IS NOT MINE, this should be removed from my credit report. 
Please & thank you an have a blessed day.
Consumer complaint received 2021-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe (TX)

I sent a revoke authorization of payment to 605Lending and XX/XX/2021 I received a email from the lending company saying they received the authorization and would stop taking out automatic payments. I also did a stop payment with my bank. XX/XX/2021 a check was written from my account in the amount my monthly payments were from this company. I dont write checks or own a check book. I called my bank it is currently being disputed for fraud to get my money back. In mid XXXX I let the company know of my situation financially and that I was out of work they didnt want to work with me. But writing a fraud check to get their money is illegal and if it isnt fixed Ill be taking legal action.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (GA)

This account just recently appeared on my credit report that I have no knowledge. I submitted a debt validation letter on XX/XX/2021 and have not received any validity of the debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have submitted paperwork to the credit card company about this fraudulent account and it still reads as a charge off/close account. I am submitting case numbers for the FTC so that this unknow fraudulent account info can be removed from my credit report at this time. Here are the report numbers XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ). I can be reached at XXXX of any further info is needed.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX  Account Number : XXXX. I have tried everything to dispute this with the credit bureaus and they verified all of the information as accurate. I am working so hard to bye a house and keep running into problems. I WAS NOT EVEN IN COLLEGE IN 2019, I GRADUATED XXXX SCHOOL XXXX YEARS BEFORE THIS. I just got my reports and I think it is wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. *pay off disclosure *interest rate disclosure *balance history *payment history *credit insurance ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thank you so much!
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Our problems are two fold. First, we received an offer to refinance from our current mortgage company, Lakeview Loan Servicing. Upon qualifying, the the closing statement erred in that included closing costs financed into the loan amount that the offer stated would be waived. After protesting two times we were finally advised by the representative for Lakeview and XXXX XXXX XXXX, their servicing agent that they would not alter the closing statement. 

Second, as the process was taking a long time we provided the appraisal requested by Lakeview to their Escrow Department on three occasions to remove the PMI on the current loan. Three times they sent the same form letter ( the last one dated XXXX2021 ) stating the loan to value was not 80 % when the appraisal and loan payoff reflect a loan to value ratio of 77 %. 

We include the offer letter on a mortgage refinance, our appraisal requested by and provided by the appraiser of Lakeview 's choosing and al letter of our last attempt of three appeals made for them to reconsider their position.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation (TX)

I have been disputing this account for some time now with World Finance. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (NC)

I have called Equifax for three months about a fraudulent collections account. The last time I called to report fraud account was XX/XX/XXXX. I faxed over police report, FTC ID theft report, ID and tax information to show identity. I was told I would get a response to remove the collection in 30 days and I have not. Ive called back XX/XX/XXXX, XX/XX/XXXX, XXXX and Equifax claimed they never received any paperwork so I faxed it again. I would like this fraudulent account taken off and Equifax will not remove or follow through on the dispute.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Again, and as it happens in the beginning of this year, and as reported in XXXX yet, my XXXX XXXX payments and my good standing with zero past due since XXXX have disappeared in the latest XXXX credit report and on balance statement. It is to be well noted that this was fixed for a while after escalating it to CFPB in XXXX, but now the problem comes again. Attached are the XXXX report showing the right data and the XXXX report with a blank section for my XXXX XXXX. Attached are also the card statements of XXXX and XXXX. In the XXXX Credit card XXXX statement there was not any XXXX yet printed because the problem was just resolved. Later on in the XXXX statement, it ended-up to appear but just for a short time as transmission and/or processing is interrupted again. 

On XX/XX/XXXX I filed a complaint as Experian had stopped computing and publishing my XXXX score to lenders since XX/XX/XXXX. As already described, I have since suffered various adverse responses due to this failure to compute and to publish my XXXX  scores for more than 7 months. After investigating with XXXX XXXX XXXX XXXX where I do have a XXXX  XXXX account since XX/XX/XXXX with zero past due since 6 years, we have got a letter dated XX/XX/XXXX from XXXX XXXX XXXX  certifying that they do properly report to Experian all my financial payments. In addition, I can see some of my financial data appearing within my online Experian account where the year XXXX and XXXX are fully missing. This is the proof that Experian knows about my account at XXXX XXXX but do not investigate on the failure root cause and do not show enough willingness resolve the issue once and for all.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

This company is in violation of multiple FDCPA laws. I have sent a validation debt letter also a cease and desist letter over 45 days ago to this company. This company is reporting inaccurate information on my credit report and is causing me distress. The information that they are reporting is inaccurate and unverifiable. I have not seen this inaccurate information removed from my credit report, this company is still reporting this inaccurate information. I demand this company to stop reporting inaccurate and unverifiable information/accounts immediately and to cease all forms of communication with me through any and all mediums.
Consumer complaint received 2021-10-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FB FINANCIAL CORPORATION (VA)

This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. 

This complaint is regarding the following : Most recent incorrect submission of a major derogatory notice to the credit bureau while the loan is in forbearance Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their XXXX XXXX XXXX are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. On the XXXX calls I have had with them, I have had to repeat the complete story from the beginning. Every XXXX says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within XXXX to XXXX hours, and nothing gets resolved. 

My last call to FirstBank Mortgage was on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX who again said I will personally call you within XXXX to XXXX hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. I am still waiting on a call back as of XX/XX/XXXX. 

FirstBank Mortgages reckless credit reporting practices while my loan is in forbearance have downstream implications with my other creditors who, upon seeing major derogatory notes on my credit, have lowered the credit limits on my credit cards, severely limiting my ability to use credit while I recover from my personal financial situation. Their after-the-fact credit bureau corrections and apology letters XXXX inconsequential and of no use in negotiating with my other creditors since their actions are taken when they see these major derogatory notes submitted to the credit bureau.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-08
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. (TX)

I have been disputing a few accounts on my credit reports for some time now with Experian, XXXX and XXXX. They have been reporting inaccurate information on my credit reports and refuse to correct the problem. XXXX is reporting that I was late on my account with XXXX XXXX account but I was never late, I disputed this inaccurate information with all three credit bureaus and Experian and XXXX has corrected the problem but XXXX continues to report this inaccurate information. I the other two credit bureaus have corrected this issue why is XXXX still allowed to report this inaccurate information? How are they getting their information to verify this information when the other two credit bureaus could not? XXXX and Experian are reporting inaccurate accounts on my reports that I have three charge off accounts with US DEPT ED and that I have had late payments on an account with XXXX. I disputed this information with all three credit bureaus and XXXX removed and corrected this issue but XXXX and Experian has not. Again, how are they able to report inaccurate information? If XXXX found evidence that these account s were in fact inaccurately reporting where are the other two credit bureaus getting their information from?
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I am not familiar with this account. I have contacted Credit Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX Credit Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.