davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
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. (MA)

XXXX Bank is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks - included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XX/XX/XXXX. I have a print screen ( dated XX/XX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XX/XX/XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XX/XX/XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (DE)

I have been continuously disputing an account with Trident asset management and XXXX credit bureau. Both parties have failed to provide proof of debt other than replying with my name and address which is obtainable via the public. Tridents set management have not replied to two letters I sent them which violates the law. Both the collection agency " trident asset management '' and XXXX credit bureau has caused me XXXX with the back and forth about this account that they have failed to prove is mines for the past 6 months.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2017-08-23
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: EQUIFAX, INC. (NV)

I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. 

Today on XX/XX/XXXX, 2017 I made yet another call to this credit reporting agency. I was transferred to the supervisor named XXXX employee # XXXX who argued with me endlessly that Equifax is NOT required to follow federal reporting standards of completeness and COMPLIANCE or Metro 2 reporting laws. She explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. She said they  refuse to delete the information that is being reported wrong and there is nothing she or Equifax will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. 

I have kept very accurate records since XX/XX/XXXX of 2017 of all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... 

Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint.
Consumer complaint received 2017-02-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CO)

I have owned my home since XXXX but am danger of losing the home to foreclosure because the agents at DiTech will not allow me the opportunity to be considered for government programs for FHA loans. I refinanced into an FHA adjustable rate loan in XXXX through XXXX XXXX and this lowered my monthly payment. My loan has been transferred a couple of times and it is now held by DiTech. Last year I was XXXX and had significant medical bills that wiped out all of my reserves and put me in a tough situation. To make matters worse, my roommate lost her job and was not able to help out with her portion of the bills. I fell behind on the mortgage payment and reached out to DiTech to see if they had any programs to assist me. They told me they could offer a repayment plan, but when I received the paperwork I realized that this plan raised my payment over {$300.00} a month. This was not something I could afford.. When I inquired about modification, I was told that I needed to refinance my loan. This did not make any sense because I was already behind on my mortgage and I knew that was not allowed. I then attempted to get a review initiated for a modification but the DiTech agents stated that my rate is already low so I ca n't be considered for any other options and that now they were going to foreclose on my home. 

This is an FHA loan and I know that there are several programs available for struggling homeowners, such as modification, forbearance agreement or partial claim. I am certain that I fit the criteria for some or all of these programs and I am extremely upset that DiTech seems to think they make the rules instead of following federal guidelines. I was recently diagnosed with XXXX and was overwhelmed with significant medical bills that put me into an unfavorable financial position. In that same time frame my roommate lost her job and has not been able to pay her rent. These factors led me to fall behind. I am able to afford a fair and reasonable mortgage payment but need DiTech to consider me for ALL available programs, not just a repayment plan that increases my monthly obligation. I have a good job ( have been there 25 years ) and if given the chance I will make all payments as agreed. DiTech just has to understand the situation. I have even attempted to resume making mortgage payments but DiTech has refused to accept these payments, telling me the only option is to repay the entire amount due in one large sum. 

I am concerned that DiTech is not allowing me access to all government programs because they know the loan is insured by the government and they just want to cash in. I want the opportunity to fix it, and wish to file a formal complaint against DiTech in order to get them to play fair.
Consumer complaint received 2017-08-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I was notified by Navient that it was time to pay my student loans in XX/XX/XXXX so I submitted all paper work the month before. They came back saying that I would have to pay five hundred something dollars a month. So I resubmitted my income based repayment and now they came back at XXXX. I tried to get that lowered but they said it 's based on some calculation that they make and it ca n't be lowered anymore. I feel that this is n't fair to me not to consider other bills I may have. I have a family that I support. I considered myself going to school to have a better life but it seems like it 's more of a burden to have debt to pay back.
Consumer complaint received 2017-02-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

Royal United Mortgage contacted me ( by phone ) and we discussed a Re-fi with cash out on a home that is in my name, but my son lives there and make the pymts. I explained I wanted his name along with mine on the new mortgage, so I was told 'no problem ' .After taking my personal info. and asked to forward my income tax for 2 yrs., I can no longer make contact with XXXX , assit.AVP of Lending XXXX w/Royal United Mortg . Does not return calls, plus I have found that it is not even possible for that type of loan to be done in Texas. So I am not sure what damage I have endured as yet, I know she has a lot of my personal info.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (VT)

Home was originally purchased through the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( working through XXXX XXXX cell XXXX ) and I qualified for a XXXX Covid relief fund and was told to stop making my monthly payments until I was approved and they would reach out to the borrowers ( I have two mortages - Peoples United now M & T Bank and XXXX XXXX XXXX XXXX has tried reaching out to M & T Bank 3 times before they responded at all. They sent an incomplete response on XX/XX/XXXX and XXXX sent another request on XXXX and no response back. They repeatedly send a XXXX company out each month to see if I am still residing in the property and put an envelope on my door. I have called and complained each time. They know I am working through this process and can not make any payments or it defaults my grant through XXXX. They are harrassing me, but, in fact, it is their own fault that they haven't gotten paid yet as they are not sending back the required information that is needed for a payment to be issued. I am not being harrassed by XXXX ( second mortgage ). The total amount due as of XX/XX/XXXX was {$13000.00} for M & T Bank.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I hav
e disputed the accounts that are reported by XXXX XXXX XXXX XXXX XXXX. This department constantly reports inaccurate information on my credit report. Due to XXXX XXXX XXXX XXXX XXXX XXXX failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. This is directly affecting my credit report making it impossible to obtain credit.
The violations committed against me are : 1. XXXX XXXX XXXX XXXX XXXX supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late.
* XXXX XXXX XXXX XXXX XXXX marks major derogatory marks, even though payments are being made.
* XXXX XXXX XXXX XXXX XXXX has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX.
2. XXXX XXXX XXXX XXXX XXXX does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law.
After I sent these dispute to both the XXXX XXXX XXXX XXXX XXXX, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. I have disputed this information with Transunion, XXXX, and XXXX. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (OH)

I had an account with XXXX XXXX XXXX back in XX/XX/XXXX ; however, I did have their equipment which was showing that I owed XXXX XXXX XXXX {$500.00}. On XX/XX/XXXX at XXXX, I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called XXXX XXXX XXXX ( now known as XXXX ) one week later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in XX/XX/XXXX. I explained that I did not have an account with XXXX XXXX XXXX back in XX/XX/XXXX - XX/XX/XXXX with the address identified, yet during that timeframe I did have an account with XXXX XXXX. And the account I held with XXXX XXXX closed when I returned their equipment back in XX/XX/XXXX. The representative explained that XXXX XXXX XXXX acquired XXXX XXXX which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with XXXX XXXX ( which I do not ) it is past the statue of limitations to collect and merging a previous bill does not seem to be right. I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information. 

A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute. 

I contacted XXXX by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with XXXX. 

The issue here is that this information is still reporting the same on all 3 of my major credit reports even after I returned the equipment to XXXX XXXX XXXX and was given a receipt that did not show information that there is a remaining balance.
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-05-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I had a home equity loan with Nationstar for XXXX and I defaulted and they filed to foreclose and I did n't want to lose the house so I filed bankruptcy and tried many times to get a modification well they finally did the modification but I originally had the home equity loan for 15 years well now they modified it for 40 years and I will have to pay back on XXXX the house is only worth say XXXX I do n't have access to this account via internet or website they claim because I am currently in bankruptcy and it 's really annoying me that I ca n't get any information on the website. They need to go with the original amount and the original term XXXX for 15 years period.
Consumer complaint received 2023-01-25
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: Colony Brands, Inc. (VA)

In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (OH)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi, on XX/XX/2017 I went to withdraw cash from bank of America, I told them that I lost my debit card and them I was asked to provide ID, SSN & my Pin, well I did, while I was waiting for the teller to process my transaction, she kept looking at me for few minutes and then called her manager, who approached me with anger and asked me to have a sit and wait for here without any EXPLANATION for the reason, I started getting nervous and refused to give up my turn and just sit..after that she said that she will call the Police on me and get me escorted out..this is when I took my ID and left because I have my kids in the Car waiting for me with their mom.. I was treated like a thief or scammer even with all the proof I provided..also I was declined to get my OWN MONEY ... Manager name is : XXXX XXXX,. Adress is : XXXX, XXXX XXXX XXXX. XXXX, NY, XXXX.
Consumer complaint received 2017-08-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd. (ID)

I took out a loan from the Cash Store approximately 5 years ago for {$800.00}. I was unable to repay it and the Cash Store sold the debt to a collector. This is the second time that these people have contacted me in the last 3 years. Each time they have refused to send my something in the mail because they said they have already done so and that is that. I have n't received anything in the mail. 
Yesterday ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) called me and I told her that I agree that I owe the debt. I said that I would n't pay them until I received something in the mail that showed the amount owing and the company that I 'm giving the money to. She was hostile and refused and would only send me something by email which I said was n't sufficient or proper according to the Fair Credit Act. She asked me what I borrowed the money for and I told her it was none of her business. I also told her not to call me at work. Today ( XX/XX/XXXX ) her counterpart called my work. 
I want to pay this but am afraid of giving my bank information to a company that is not legal and they will pass the debt on to another and I will end up paying it again and again.
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-01-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IL)

Concerning the " closing '' of a Loan Modification ; client signed a Loan Modification contract in XX/XX/XXXX. Client felt that the transaction was over. In XX/XX/XXXX the mortgage servicer " Round Point '' added a balloon payment at the maturity of the loan. Client was unaware of a balloon when the " Loan Modification '' was signed in XX/XX/XXXX.