davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

On XX/XX/XXXX I filled out forms for a loan modification due to my husband got ill and was hospitalized several times and I didn't want to get behind where I couldn't catch up. Carrington Mortgage Services advised to do a loan modification. I have filled out the documents they requested, and they keep requesting same documents over and over stating that there was changes to the XXXX. I filled one out on  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I really can't believe there has been changes, especially that many. 
I have faxed in the whole packet in XX/XX/XXXX and still to this present date XX/XX/XXXX I am now being asked to pretty much start over.. And, since then got a letter from an attorney that is handling the Carrington Mortgage Services . 
Now, since all this time has went past, today, XX/XX/XXXX I was asked to fill out the Mortgage Assistance ( RMA ), plus 30 days of paystubs. AGAIN! 
There should be no reason for all this delay, I have kept in contact, filled out the forms requested and still have got No Where! When I first started and spoke to the associate at Carrington Mortgage she advised once packet received there should be a timely process and should get information on the loan modification and the new terms to me. I do not want to lose my house, but I feel I am getting no help at all! I feel very cooperative with all the demands and phone calls, but I feel I am getting the run around and possible scammed to the extent that I will lose my home. I have owned this home since XX/XX/XXXX @ XXXX XXXX and I feel I am just asking for help and not a run-around.
Consumer complaint received 2019-05-23
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 ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (MD)

I have previously filed complaints against Peroutka et al and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because Peroutka refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against XXXX XXXX and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was not. Neither are in arbitration at this time. See complaint number XXXX for more information.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner, the charlatans of debt collection, appeared on my credit report regarding an auto insurance invoice. I called Caine & Weiner and asked that they provide proof of this outstanding debt, as I have proof of cancellation and a XXXX balance ( I'm also an active customer with the very same insurance company and confirmed this with them as well ). I was told to send them the proof, which I did. A very angry, aggressive person called, by the name of XXXX XXXX, and make threats of further collection action, although I already supplied proof of payment.  When I asked her to simply validate this debt, she said " I'm not sending you anything, it's just gon na stay on your report ''. If I wasn't well educated on my rights, and perhaps as ignorant as the person who called me, I might have been moved by her meaningless threats. How do you allow businesses ( for lack of a better word ) continue to practice this way?
Consumer complaint received 2020-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have tried to have fraudulent information erased from my XXXX  credit report without any luck and Im not able to dispute information on XXXX  website. 
Bank of America was removed from my XXXX report
Consumer complaint received 2019-05-23
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. (FL)

XXXX ; Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-23
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-08-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

I originated this loan with Green Tree XXXX in XXXX with my first payment XX/XX/XXXX. Its governance has since moved to Ditech XXXX. I wonder if this was a bad loan at the time with, perhaps, fraudulent intent. We have been paying off the {$52000.00} loan for 13 years now and have only paid it off to {$42000.00} which is {$10000.00}. This hardly seems correct. I have asked DiTech if we can lower our interest rate, but they say they do not have any programs to do so. My husband has incurable XXXX ( XXXX XXXX ) from his time stationed in the XXXX at XXXX XXXX, so there must be a program to help pay this off faster than it is going now. It does not make sense that we will end up paying double the amount we applied for. I am always wary of paying more on my monthly bill with the practices I see at DiTech. I don't trust they will apply the funds correctly to our benefit. 

I've attached the most recent payment history and looked at the payoff quote compared to last year 's payoff quote. 

XX/XX/XXXX payoff is {$43000.00} XX/XX/XXXX payoff is XXXX Again, how is this possible? 

As I said, I am not sure what is wrong, but after hearing how GreenTree and DiTech have been accused of fraudulent loan practices, I would like to find out how to discharge this loan by applying the payments we have already paid and canceling this loan legally. Again, I do not want to enter into bankruptcy, but somehow institute new rules in order to get this loan paid. 

Thank you in advance. Files are attached. 

Best, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (TX)

Everytime I contact American Express to see if my application for a corporate card was approved -- they apologize and tell me they are still working on it. They say the same thing over and over. It's been 6 months since I applied. Pls note just 1 of my chat sessions below : Thank you for contacting American Express Global Commercial Services. My name is XXXX. How can I help? 
You at XXXX, XX/XX/XXXX : Hi XXXX how are you doing this afternoon XXXX at XXXX, XX/XX/XXXX : I'm well. How are you doing? 
You at XXXX, XX/XX/XXXX : I would like to know the status of my application for the Amex Corporate card program You at XXXX, XX/XX/XXXX : I put an application in XXXX and have contacted Amex on several occasions and i have not heard anything. 
XXXX at XXXX, XX/XX/XXXX : Okay. I'm in a new acquisitions channel so I don't have access to see your application. You can get in touch of the representative that was assisting you with the application or you can contact our corporate help desk. 
You at XXXX, XX/XX/XXXX : No You at XXXX, XX/XX/XXXX : What department should i go to because i am not getting any help from my representative XXXX at XXXX, XX/XX/XXXX : what's the name of your company? 
You at XXXX, XX/XX/XXXX : XXXX XXXX You at XXXX, XX/XX/XXXX : here is an email i got from XXXX on XX/XX/XXXX where XXXX said this was unacceptable and way past XXXX 's You at XXXX, XX/XX/XXXX : Hello XXXX, Thank you for reaching out via our chat channel this afternoon. I understand from that conversation that you have an application that has been delayed well beyond the normal timeframe. I am currently doing research on your account but just in case I am sending my direct contact information as you requested. 

Best, XXXX XXXX | DIGITAL SALES CONSULTANT | U.S. COMMERICAL ACQUISTION GROUP GLOBAL COMMERCIAL SERVICES AMERICAN EXPRESS XXXX at XXXX, XX/XX/XXXX : I found your opportunity I can reach out to the representative to have them get back to you on the status. 
You at XXXX, XX/XX/XXXX : I was last told that it would take 5 to 10 business days and now it has been 14 days You at XXXX, XX/XX/XXXX : I do not want to be dished off again to someone else that will not help me. 
You at XXXX, XX/XX/XXXX : Can i get a manager in charge of that department You at XXXX, XX/XX/XXXX : I need to speak with someone that can help me. An application should not take 5 months this is ridicoulous XXXX at XXXX, XX/XX/XXXX : I'm sorry that you haven't received a decision yet, I know that can be very frustrating. If you would like to provide me your phone number I can have one of my leaders to contact you so we can get an update on your account. 
You at XXXX, XX/XX/XXXX : Okay. I need someone to call me TODAY. My phone number is XXXX XXXX XXXX Direct : XXXX
Consumer complaint received 2019-05-23
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-05-23
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. (CA)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : 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 2019-05-23
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-05-23
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)

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : 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 2019-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Express, LLC (TN)

On XX/XX/XXXX I went to Cash Express in XXXX XXXX Tn to renew the final payment on a {$300.00} signature loan. I was told I could not renew this because they were changing to flex loans. I was assured by the associate that it was the same kind of loan. I had to make a new flex loan and let it pay off the signature loan. Not having a choice I let them do that. I had to make a loan for {$400.00} to pay off the old loan. I ask about payments and due dates. The associate said she could not tell ms those things but I would receive letter in about 60 days giving me that information. After 60 days had  passed and I received no information I went to the office. A new associate told me she did not know why I had not received the letter. I paid {$300.00} on the loan. I went back later an paid {$100.00} more on the loan. I still do not know how much I owe. I have paid {$400.00} on a {$400.00} loan. Time goes by and I still have not received a letter, phone call, or email frrom Cash Express. On about XX/XX/XXXX I receive a final notice before legal action letter from Cash Express saying I owe {$620.00} due byXX/XX/XXXX. It informed me I could get a conformation and itemized detail of my debt. I was waiting for this information when I was served a civil summons onXX/XX/XXXX.I have not received any contact from Cash Express XX/XX/XXXX even though I requested it. XXXX XXXX is the legal council. His phone number i XXXX.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today, XX/XX/2019 I received an email from XXXX XXXX   stating that I applied for a credit with XXXX XXXX   XXXX FL XXXX which I did not do.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened my regions Bank account in 2012. I have had trouble with excessive fees being withdrawn from my bank. It was not until 2 days ago that a lady named XXXX at Regions bank told me that the account that is seen on line by the banker is not the same way the consumer sees it. She stated that if a merchant doesn't clam the money that has been debited in 3 days the money " appears '' to be back in the account showing balance higher than it actually is. Becasue NO one in 7 years ever explained this to me nor bothered to tell me that overdraft protection does NOT protect your account from over draft fees, They have taken out in fees in the last 7 years a grand total of {$10.00}, XXXX. I believe this is an exorbitant amount!! I would like to have these fees reimbursed to me. I have talked to a banker from regions today and they said they would not be refunding any additional fees to me. They did refund a little over {$200.00} and stated that '' s all they can do for me, 2 days ago but refuse to refund any other Fees. Please help me Sincerely XXXX XXXX XXXX
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WA)

One XX/XX/2015 I received my first credit card from " XXXX XXXX XXXX  ''. Within less than 10 days of having the card, there was initial fee {$75.00} on the online statement. I call the company on XX/XX/2015, to close the card. They informed since, I only had card withing less than 15 days, they were not going to report anything to credit bureau. At that time I only owe them around {$100.00}. I sent money order withing 2 days of cancelled the card to in California, which they provided to me over the phone when I was cancelling the card. 

Almost year and half later, I checked my credit report and saw XXXX XXXX XXXX Had been reporting to the credit bureau. Infact they had reported 7 months current payment and 8 months non-payment. I had send dispute to the 3 credit bureau and they didn't resolve my issue. 

I contacted XXXX XXXX XXXX in my state. XXXX XXXX XXXX did removed the negative reporting. 

While this was happening LVNV Funding LLC took over the false debt and start reporting my credit report. I had send several disputes them and they would not remove false debt. I need help solving this issue. Below is the account in question information. 


Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Account Number : XXXX Reference Number : XXXX Thanks, XXXX XXXX
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I am trying to have the PMI removed from my 30 fixed rate mortgage. When I called about this about 1.5 years ago I was told that Loan Care would have to have an independent Appraisal done. The cost would be about {$400.00}. I was not sure if my home would appraise for the required amount to meet the LTV. I was told LTV needs to be 78 % or less. I decided to wait. 
On XX/XX/XXXX I got a Real Property Notice of Valuation from the county Assessor stating that my property value had gone up. When I checked the numbers my property value had gone up enough to meet the LTV of 78 % or less. I decided to try again to have the PMI removed from my loan. 
I called and was told to submit an email request to XXXX which I did on XX/XX/XXXX. I got an email response the next day. The response said I should hear something back in 5 business days. I got no response. I decided to call Loan Care XX/XX/XXXX to see what was going on. I called and asked about having my PMI removed. I was told that I need to submit another email request asking for a home appraisal and that I would cost {$910.00} dollars. This is more than double the cost from the first time I called. I feel like Im being robbed. So, no one at Loan Care bothered to tell me this until I called even though I asked for any information about the process in my initial email. 
Ive have owned another house and was not charged anything to have the PMI removed. 
The fact that Loan Care will not accept the county Assessors appraisal seems like a totally unfair and unethical business practice to me. The fact that they more than doubled the cost of their appraisal also seems totally unfair to me. It seems like robbery. 
I want Loan Care to accept the county assessors appraisal and not charge me anything. I have great credit. I have always paid my mortgage on time and in full.
Consumer complaint received 2019-05-23
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. (NJ)

I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2019-05-23
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. (TX)

I am waiting proof that the Bankruptcy listed on my report is mine. i have not received letters, paperwork or anything with my signature on it. i have not received any type of verification letter from the courts verifying or validation that the bankruptcy is mine. i have not received any copies as to how this debt was verified. I have asked on more than one date for copies.