davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Earm LLC (MD)

Continue to receive two different threatening calls from two different companies who end being tied to the same scam company.

This started a few weeks ago, they have my email addresses, full SSN, address, name everything on file. 

They call claiming I owe for a payday loan from XXXX, its going to litigation in a few days and I need to make a payment to stop legal proceedings. 

I never took a payday loan. Its actually illegal in XXXX. 

My phone number is on the do not call list yet I still get these calls. Someone needs to do something about this. 

Phone numbers called from : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX The companies the claim to be : Payment Processing Center Mediation Consultants The latest voicemail sent My name is XXXX XXXX calling with payment processing the reason for my call today is to verify the address we have on file as we are preparing XXXX  case we have now made several attempts to reach you via mail and also two phone calls which were unsuccessful have now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you we need to speak with you immediately today at XXXX again the phone number is XXXX so you can press one now thank you and good luck Text message left : XXXX XXXX We have an urgent matter in our office that directly concerns you. Please call us immediately This is fraudulent and harassing and needs to be stopped.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I ATTEMPTED TO FILE A DISPUTE WITH TRANSUNION IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND TRANSUNION REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, TRANSUNION STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

My account has been overcharged in force-placed insurance which makes me pay twice for the same insurance. Charged on my escrow account an insurance value on the loan and they never sent me a notice of premium nor any insurance certificate. My property is a Condominium and has been insured since I bought it in 2005. I had to rely upon my insurance and my funds for any issue since I never had a certificate from them. IIf I had a certificate from them I could have contacted the insurance company for a refund in regards to that insurance since I have had always coverage in my property. They do not want either to refund those premiums or produce a certificate of that insurance. In essence, I am being charged for something that does not exist. It is illegal to collect double insurance on the same risks.Rushmore does not respond to my complains. This is simple an easy money earning for those who have a property. This issue caused a lot of our problems in the past.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. Metro 2 reporting guidelines state : Accounts reported in error must be deleted.

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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 an account without my written instructions.
Consumer complaint received 2021-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Back in XXXX i sent letters to the bureaus regarding inaccurate information and they still have not responded. Later only to find out they lied on their website as to what address to send dispute items. I gotten no response from the bureaus yet.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LoanCare, LLC (AZ)

Loancare holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think loancare misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and Loancare had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach Loan care to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on XXXX of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.
Consumer complaint received 2022-09-03
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (KY)

I mailed a check in the amount of {$2600.00} on XX/XX/2021. {$610.00} was the regular payment with {$2000.00} going toward the principal. It cleared my bank on XX/XX/2021, but was never applied to my account. I have phoned the company 4 times, e-mailed twice ( with a copy of the cancelled check ), and mailed a letter ( with a copy of the cancelled check enclosed ). The last call I made I talked to XXXX. I asked to speak to a supervisor or anyone who could actually do something to correct the problem. He said no supervisor was available and even if there was one they would tell me the same. The company has all the aforementioned documents, but the amount has not been applied to my account. The phone call before that was to a XXXX who said it would be expedited and applied to my account no later than XX/XX/2021.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

Commenity Bank/ Bread XXXX was updating their system in XXXX and XXXX. I had a payment due and had trouble trying to make the payment because the system was down for days! I finally got through to make the payment but for some reason Commenity bank never processed the payment so now they are trying to charge me {$20.00} and my payment but I have a actual statement saying I made the payment and Thank You! The statement also includes the new XXXX random fee because I paid my purchase off so I should have a XXXX balance but when I called Commenity said my payment was returned because my bank account was frozen which was not true! I called my bank and they stated the account has never been frozen and that Commenity bank must never processed my payment through my bank. I want this issue resolved because I don't want this on my credit report!
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that this information was erroneous. The Equifax credit bureau must validate this unknown item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX
Consumer complaint received 2022-09-03
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance XXXX {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$510.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I switched phone companies XX/XX/XXXX so I was no longer able to access my XXXX XXXX Account, I went to a store to pay off my final XXXX  balance on XX/XX/XXXX of {$200.00} I was assured twice that i would no longer have a XX/XX/XXXX bill so I asked for a paper stating I no longer had any future bills and the employee said he was unable to open my account since it was closed and paid but he was able to print the XXXX receipt so I received that. I later received an email saying on XX/XX/XXXX stating i had a past due balance of {$180.00} so I called XXXX on XX/XX/XXXX since I couldnt log into my account to see the charges and I let them know I recording for my own assurance so i have i conversation where they stated my balance was {$0.00} they apologized and said it must be a mistake. The next month I received another email on stating i had a past due balance of {$180.00} so i called XX/XX/XXXX and again let them know i was recording the conversation since i didnt want any future problems and again i was assured i had a balance of {$0.00}. I later would receive texts of a screenshot stating it was a debt collector for XXXX which i found odd so ignored it since it looked like a scam. On XX/XX/XXXX i checked my XXXX score and it showed I had a balance on my XXXX account so it was negatively impacting my XXXX score so i chatted with a XXXX employees on their chat so id have physical proof and they once again assured me i had a {$0.00} balance and that they would contact the credit bureaus so i could rest assured it would be taken care of. On XX/XX/XXXX i found out a few days after that conversation the account was in collections since i received a letter regarding the debt i called the collections agency on XX/XX/XXXX telling them i was recording for my records and i explained the situation and that XXXX said it was taken care of which they responded to by saying they were unaware of that. I told them id call XXXX to again try to fix it so i called XXXX after hanging up i got transferred multiple times until i was then transferred to the collections agency which when i gave them my account number to they couldnt find the account. I found that odd and they asked for my social which i didnt feel comfortable giving so they transferred me once more to the same agency just else where and they found the account and I basically said i was trying to speak to XXXX about my account and ended up back on the phone with the collections agency and i told them i want to dispute the debt. They said okay and then i never heard back from them. Today is XX/XX/XXXX and I saw it is still coming up on my credit. At the time I was unaware of being able to ask for proof of debit so i disputed directly with XXXX today XX/XX/XXXX and under the debt with XXXX it says I was able to report it here so here I am.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

the website for my credit card provided by comenity bank has been down for over a month now. i can not access my account to pay or view balance. the phone support is impossible to reach. the website is https : //d.comenity.net/ac/sonyvisa/public/home
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2022-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NV)

Please see attached letter. 

Also, US Bank, and their outside legal counsel, stated I would receive my Reinstatement and Payoff Demand Letters by Thursday, XX/XX/2022, but I never received it. I called the attorney the next day to get it, but XXXX XXXX stated they still didn't have them and couldn't say why.
Consumer complaint received 2024-09-11
Product: Credit reporting 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)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!