davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

My mortgage company, Rushmore Loan Management is claiming that i have over XXXX in late payments. I have made every payment in full since I got out of my bankruptcy case. They are claiming that I am late with my XXXX XXXX payments. My statement stated that I owed XXXX for that payment, which was due on XXXX XX/XX/2021. On XXXX XX/XX/2021 I mailed a cashiers check for XXXX to cover that payment. on XXXX XXXX they cashed that check and credited that payment to my account. I was even sent an email that my payment was posted to my account My next statement on XXXX XXXX reflected that they had received and posted that payment to my account. and, that my next payment due on XXXX XXXX was XXXX. I paid this amount via cashiers check that was posted to my account on XXXX XX/XX/2021. 
On XXXX XXXX I received an automated call that my payment of XXXX was late. I tried to call them and got no answer after waiting on hold for a long time. I used their messaging service to tell them that I was not late with that payment and attached copies of the check, statements and a copy of the email that confirmed that they received my payment. 
My next statement dated XXXX XXXX showed that they had removed the payment of XXXX from my account and the total due for that statement was over XXXX. ( The supposed late payment of XXXX, the current payment of XXXX and a late charge. ) I have sent numerous messages with copies of my statements, canceled check to every office that I can. With the only response that they are saying they took over the mortgage during the bankruptcy and it was two payments late. That may be true, but that was cleared up by the bankruptcy court and Rushmore and I was paying with was reflected on my monthly statements. They are not properly crediting my account and now threating me with foreclosure.
Consumer complaint received 2022-07-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 account without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-01-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I've been working with Carrington mortgage since XXXX. They pre-approved me and then I signed everything. Then they stopped comuncating with me and sent a letter stating they can't refinance me. I lost 3 months waiting on them to close then they told me I'm not approved.
Consumer complaint received 2022-01-13
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 previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and discharged XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by Experian. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, XXXX XXXX sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently XXXX XXXX failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which XXXX XXXX requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

Regards, XXXX
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I do not have a contract with XXXX XXXX so they will need to remove item from credit report. I have no knowledge of this company and if they bought a debt then the debt is paid but i dont have any contractual obligation with them.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (LA)

I started with this dental clinic in XXXX looking to fix a broken bridge in the front of my mouth. After I was brought on board to have work done and charge for work to be done everything started to change. I have had countless appointments trying to fix the issues in my mouth the dental clinic could never fix any problems this continued until XXXX. I have had to have the same bridge replaced three times and other damage was done because of it. this has been an emotional financial and work-related problem. I have questioned the craftsmanship of the product and work. The integrity of the dental clinic is not for their customers. Filed a dispute with the credit card company because their policy state if you are dissatisfied with credit card purchase you can dispute it and l did. The amount XXXX the bank ruled in my favor and then reversed it this is a slap in the face to me the consumer. The material that was used buy the dental clinic to make the teeth started falling apart within 2 months that is not how dental work works. To me this is fraud you said you could do a job that you could not.
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

I am trying to refinance my student loans with XXXX Bank. I had to apply a Second time because my loan application expired due to not being able o get the correct documents from Fed Loan Servicing. All I am asking for is a billing statement or a payoff quote that includes my name, address, account number, interest rate, payment address, payoff amount and interest due. I have been asking since the beginning of XXXX. I have called, emailed, spoke with people. On XX/XX/22, I got a loan verification from them. Clearly on the bottom it says its not. Payoff quote. I have called 4 times since then, emailed about 6 times. They refuse to send me anything or answer emails. I wait on hold for XXXX min or wait for a call back for over an hour. Tried speaking with a supervisor, cant get them. My mortgage company needs to have this refinance wrapped up to close in a few weeks and it looks like if I dont get it, I wont be closing my home loan. I am so frustrated, I had a nervous breakdown crying to them. Still nothing. I do not know what else to do. I doubt you will get this complaint In time to help me, but if you do, Im begging you to help me as soon as possible. Thank you.in addition, I got an email from the Us Department of Education in XXXX that some or all of my student loans were being discharged and that Fed Loan servicing would contact me about it. Still nothing from them.
Consumer complaint received 2023-02-01
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. (AZ)

I am writing to dispute a negative item on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that my rights under the FCRA have been violated. 
According to the provisions of the FCRA, consumer reporting agencies are prohibited from including negative information in a consumer report unless the information is complete and up-to-date. The reported late payment on my credit report is inaccurate and in violation of the FCRA, as it does not meet the requirements of 15 U.S.C.

1681b ( 2 ) ( A ) ( i ), which states that consumer reports may not be furnished for employment purposes unless the consumer has given written permission. 
In light of these provisions, I respectfully request that you conduct an investigation into this matter and take the necessary steps to correct the error. If it is determined that the negative item is indeed inaccurate, I ask that you remove it from my credit report promptly. 
Please Fix these items, date, amounts update information to paid as agreed Accounts XXXX Account # XXXX These Late payments dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I am a victim of identity theft. I received an updated copy of my credit report and found three inquiries from Capital One that I did not authorize and have no knowledge of. The inquires are on XX/XX/21, XX/XX/21, XX/XX/21. The inquiries are having a negative effect on my credit score and they were not done by me.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I've explained that the debt was fraudulent and was told to contact the initial company which I did. I was told it was handed over to a debt collector. I've told the debt collector it was fraudulent also but they said they can't do nothing about it. I proceeded to receive 4 to 5 calls a day and I finally asked them to stop harassing me with calls. They stopped for a couple months and then proceeded to continue calling.
Consumer complaint received 2022-01-13
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 XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-11
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (CA)

I Spoke with an agent in XX/XX/2022 and explain to him that I have no knowledge of this Collect and that my identity was stolen. He continue to talk over me and still pin this collection on me and was very rude. And I told him I will call XXXX. Because he was just rude and communication skillls was really bad.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on M J ALTMAN COMPANIES I ( Original creditor XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-01-13
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

To Whom it May Concern, I have reviewed my consumer report and discovered your company has misused its authority in communicating with the credit reporting agencies. 

The line of credit I extended with your company ( CAPITAL ONE ), regarding ACCOUNT NUMBER XXXX According to CONGRESS you are in VIOLATION OF FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681sXXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IN FACT, the law states that EXPERIENCES ( UTILIZATION, LATE PAYMENTS, AND INQUIRIES ) between the consumer ( XXXX ) and the person ( YOU ) ( CAPITAL ONE ) making the report should not be included on my consumer report. 

You have seven ( 7 ) days to UPDATE MY BALANCE TO {$0.00} AND DELETE THE UTILIZATION FOR THIS ACCOUNT, REMOVE ALL LATE PAYMENTS STARTING FROM XX/XX/2019 TO CURRENT AND FUTURE MONTHS, SHOW THE ACCOUNT AS BEING IN GOOD STANDING, and REMOVE ALL INQUIRIES DERIVED FROM YOUR COMPANY ( CAPITAL ONE ).
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

I keep getting charged different amounts for the same visit and its frustration and honestly induritating. As I am being charged by XXXX XXXX twice and then from the actual XXXX XXXX? I am not going to keep paying amouts for the same thing. Why am I being charged various amounts from every direction at different times. I paid {$56.00} for ( PIN : XXXX ) for XX/XX/2021. Now I am being charged another {$180.00} for the same date XX/XX/2021???? ( PIN : XXXX ). On top of that another {$110.00} from XXXX. WHY IS XXXX AND XXXX XXXX CHARGING ME DIFFERENT AMOUNTS CONSTITANTLY FOR THE SAME DATE!!!???
Consumer complaint received 2022-07-15
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. (NC)

Account was closed XX/XX/XXXX due to my report on fraud because I never opened the account. I never authorized the account to be added back on my credit report after the account was closed. The address on file was even wrong, This Company reported the account again on my credit report XX/XX/XXXX. They said it takes 30 days to update information regarding fraud but they waited 5 months to add somehting on my report without my consent which and the address on file is wrong never belonged on my report. The information was also added on my report wihtout my written consent as well which is ILLEGAL!!!! I can't even purchase my home due to the illegal activity by XXXX XXXX XXXX  . I will open up a civil lawsuit claim for the illegal activity as well. After they originally found out the account was fraud it was added again.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

We went on covid forebearance with our mortgage company starting in XXXX of XXXX. 

Last XXXX ( XXXX ) we opted to do a loan modification to get back on track and start making payments again. Freedom Mortgage sent us an offer letter based on the current finance rate ( 3 % interest ) and we accepted the terms. 

After we accepted, they sent us loan documents the next month in XXXX ( XXXX ). On those loan documents, my last name was wrong. We contacted them immediately to let them know after our notary wouldnt let us sign them without my name corrected. 

Over the next few months, I reached out to Freedom Mortgage monthly and sometimes weekly, and sometimes several times a day to ask where our corrected documents were. I was getting nervous about the delay in getting our documents. I was told over and over that the delay in getting our new documents wouldnt affect the offer they sent us in XXXX & that we could still get the same interest rate in their original offer. That was a lie. 

They told me in XXXX ( XXXX ) to resume payments in XXXX in harmony with our XXXX loan offer, so we resumed payments on XXXX first & we have continued to make the payments we agreed to in their offer letter. 

Starting in XXXX, each time I called theyd wait a week or two then ask for something else from us. Ive sent my marriage license, drivers license, etc. So they have no reason not to know that my name is, indeed, incorrect on the loan documents they originally sent. 

To this day they still have not sent us corrected documents. 

Instead : As soon as the interest rates went up, they made us another offer based on the current rate. And heres the crazy part : they sent us loan documents with my name WRONG again. So I can not sign these new documents again even if I wanted to. I let them know immediately that the new documents were incorrect and I could not sign them. Freedom Mortgage has made no attempt to correct the loan documents. Instead : Freedom Mortgage just initiated foreclosure proceedings saying we havent been making payments, but we actually have been. We havent missed a payment since XXXX per their instructions. There was a tax increase that went into effect that I missed because we are not getting our normal statements, but I caught it in XXXX and made a payment to catch us up. 

Its insane to me that I could lose my house because of their mistake, especially when weve been making payments.
Consumer complaint received 2021-11-11
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. (NJ)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on EQUIFAX response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;