davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had a lot of medical bills in the last few years, so decided to apply for for a loan to pay down some high interest credit cards. I have n't bought anything expensive in years, so had never checked my credit report. The first item on my TransUnion report was for a XXXX XXXX account that was n't mine! Someone opened an account in XXXX and had paid well until three months in XX/XX/XXXX. I have NEVER had a XXXX XXXX card nor have I ever applied for one. I have always paid my billsand have never gone over my credit limit. I submitted a Dispute Resolution to TransssU Union ( it is still in the works ), so they immediately hit my credit score for XXXX points! This is not right! I think credit reporting companies have way too much power to ruin people 's credit. I love the way they offer {$20.00} per month credit monitoring services! Can we say c conflict of interest? Why should applying for loans negatively affect your score? I put my middle name on the Dispute document so I suppose I got docked XXXX points for that? That is absurd!
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (GA)

I am writing to submit a complaint regarding XXXX Mortgage. XXXX acted illegally on at least XXXX occasions while handling our loan. First, XXXX transferred our mortgage to a new servicer in XX/XX/XXXX. XXXX did not provide the required XXXX advance notice of transfer and did not provide any notice of actual transfer. XXXX, XXXX took out a lender-placed insurance policy on our behalf. XXXX did not provide us ANY notice that it intended to take out lender-placed insurance, much less the XXXX letters spaced 30 days apart as required by law. We had previously provided XXXX with proof of insurance on several occasions. Moreover, XXXX deducted the annual premium of approximately {$1800.00} for the lender-placed insurance from our escrow account without notice. XXXX has given us conflicting information on whether that amount has been refunded. Apparently the refund was attempted to made during the transfer to the new loan servicer, XXXX XXXX, but neither company has been able to show that the premium was repaid to the escrow account.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting XXXX XXXX XXXX - XXXX on my credit report when it was deleted from the other XXXX reports. I have contacted this collection agency and they have failed to provide proof that I owe this debt. XXXX and XXXX deleted it because they lacked proof. 

Experian is the only credit report that is reporting XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX and XXXX - XXXX. I am not sure how these XXXX accounts were able to be verified by you and but XXXX and XXXX deleted it. 

I also need help deleting the following names that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also need help deleting the following addresses that are incorrect. 

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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2017-01-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Worth Finance Corporation (TX)

I previously submitted a complaint on worth finance for inaccuracy reporting and they responded back stating that they are reporting in compliance with fcra laws. My credit report is still inaccurate and is reflecting as a recent charge off with late pays being reported after the account was closed and charged off. I attached a picture of my current report showing the inaccuracy that they verified was correct and below is their response to my initial complaint. 

Worth finance said : Explanation of closure Worth Finance Corp ( WFC ) Statement : WFC has provided a redacted Account Reporting Review ( ARR ) Which shows the accuracy in our Credit Reporting regarding XXXX claims. WFC has provided redacted CDV from about XX/XX/XXXX which shows Accuracy in our Credit Reporting. Noting that our First Date of Delinquency shows as XX/XX/XXXX which show favor to XXXX. WFC has verified coding to CRA that show " Completed Investigation of FCRA Dispute- Consumer Disagrees '' XXXX ( XXXX ) opened a New Loan with Worth Finance Corp ( WFC ) on XX/XX/XXXX XXXX terms were 12 monthly payments, 1st payment due XX/XX/XXXX, her pay record is as follows ; XXXX made her first payment on XX/XX/XXXX, the payment covered her XX/XX/XXXX and XX/XX/XXXX payments with remaining applied to Payment due on XX/XX/XXXX. 
XXXX next paid on XX/XX/XXXX ; proceeds from payment along with credited overpayment on XX/XX/XXXX paid her XX/XX/XXXX payment due, however she remained past due for XX/XX/XXXX and XXXX. WFC Charged off her Balance on XX/XX/XXXX. XXXX First Date of Delinquency would be XX/XX/XXXX because although XX/XX/XXXX made and additional payment on XX/XX/XXXX, she never brought the Balance out of Delinquency since XX/XX/XXXX ( First Date of Delinquency ). 
On or about XX/XX/XXXX XXXX sent in a Consumer Dispute Verification ( CDV ) to XXXX stating " This account is inaccurate charge off accounts can only update status as per fcra and it is reporting late payment history on a 4 year old charge off please delete '' WFC investigated the CDV and upheld it per Fair Credit Reporting Act.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

Reference to Complaint # XXXX I feel all my questions concerning a loan modification that was done in XX/XX/XXXX are still unanswered. I did n't pay my monthly mortgage of {$1000.00} ( which included principal, interest, and escrow ) from XX/XX/XXXX- XX/XX/XXXX totaling {$14000.00}, then why when the loan modification was done I owed {$32000.00}? Included in that total is {$2000.00} in recoverable expense. I want to know what those expenses were and if they are a ligament recovery item. Thank you for reviewing this matter again. I just want to understand why the amount owed is so much greater than what I would have been responsible if I did make the payments.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I want to report Wells Fargo Mortgage/ASC for foreclosure fraud, modification abuse and dual tracking violations. I was just informed on XXXX, by the automated system that I had a XXXX XXXX, 2016 sale date. I NEVER received a NOD stating that I had 90 days to cure the default which is required by the state of California. An NOD was never recorded in XXXX public records. Theses are all foreclosure violations and illegal foreclosure practices. I called Wells Fargo last week regarding my loan and there was no sale date on my property. I called Monday XXXX and there was a XXXX XXXX, 2016 sale date. I spoke to several real estate and legal law professionals and they informed me that Wells Fargo had not properly followed the California bill of rights. Wells Fargo had not followed the California foreclosure laws. On XXXX/XXXX/2016 I received a mortgage statement that clearly read this " As of the date of this statement, Wells Fargo has not made the first notice or filing required by applicable law for the forclosure process ''. But now they are telling me as early as XXXX XXXX 2016 they foreclosing on my property. That is totally illegal by Wells Fargo mortgage and I want to file a massive law suit against Wells Fargo for a slew of violations, unfair business practices and abuse. I have been transparent, communicative and forth right with Wells Fargo. My wife and I have the means to pay and we also suffered a compelling hardship to justify why this loan got behind in the first place. I would like CFPB to please intervene and stop the illegal foreclosure process and sale by Wells Fargo on XXXX XXXX 2016. I want assistance to cure my delinquent mortgage by a loan modification or repayment plan. I will speak to my advisors tomorrow. This is a time sensitive situation, thanks for your immediate attention to this serious family matter.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I am filing this complaint because Equifax has ignored my request many times to provide me with the documents that their company has on file that was used to verify accounts the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-10-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (TX)

After having pay cuts for XXXX or four years after the economic downturn and moving to take a job in another state, my then wife changed locks on the house, filed for a divorce, and later moved out while I was still paying for the house. I applied for a deed in lieu, because I could not afford child care, and support XXXX households, while living in a city XXXX miles away. The mortgage company went through the process but has continued to bring up more paperwork, even after all was signed, notarized, and returned, and liens were satisfied. ( The mortgage is divided into XXXX liens ). I am a veteran. The mortgage was a XXXX VA program. ( Not part of the XXXX VA program. ) The bank has left the house in my name, so any code violations are charged to me, but they changed the locks and have sent people to cut the grass. They need to finish the process and take my name off of the house. The ex-wife also signed and notarized paperwork. It should have been finished months ago. They are just dragging things out indefinitely.
Consumer complaint received 2016-07-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AL)

Dear Sir or Madam : I am writing this letter to file a complaint against RoundPoint Mortgage Servicing Corporation, XXXX, NC. RoundPoint has repeatedly written me demanding mortgage payments. My original mortgage servicing company was XXXX, and since XXXX no longer sends me bills, I can only assume they have sold this account to RoundPoint. 

I purchased my home in XXXX from XXXX XXXX XXXX for {$91.00}, XXXX ( principal and interest ) for a 30 year mortgage. In XXXX, I bought XXXX XXXX out, and XXXX XXXX XXXX took over the loan. I refinanced in XXXX, for monthly payments of {$720.00}. To the date of this letter, I have paid {$100.00}, XXXX, which is {$13000.00} over the amount of the principal and interest owed. 

RoundPoint has written me and sent fraudulent documents to support their claim : Which is that I owe them {$40.00}, XXXX. They have listed the amount of my loan incorrectly : as approximately {$120000.00} including interest. They have also sent documents alleging that I refinanced my home in XXXX ; I XXXX in XXXX. Therefore, I did not and would not have refinanced my home in XXXX. 

Moreover, none of the documents they 've sent me list a payoff balance.I am sending a copy of this letter to RoundPoint. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Refinanced my home loan with XXXX ( owned by first guaranty mortgage ) and closed on XXXX XXXX 2016. XXXX XXXX I received a letter from Round Point Mortgage servicing Corporation saying they are my new loan servicing company and to start paying them my first payment by XXXX XXXX 2016. On XXXX XXXX I received a letter from XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XXXX XXXX. 

As of XXXX both my online accounts for Round Point and XXXX show I owe a payment on XXXX XXXX. Since XXXX XXXX I have been communicating with XXXX and Round Point but no one can give me any kind of information or update as to when one of these accounts will actually close. XXXX says I should send my first payment to XXXX and do n't know why RoundPoint still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly. 

I am submitting two complaints, one for XXXX and one for Round Point Services.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have received various correspondence for my mortgage account telling me I owe this amount or another letter stating that my XXXX, 2016 payment is due, or when I check my balance online it showes a different balance. I am confused as to what my payment should be. Also, to add more confusion to this situation, I have had Flood insurance on this property, since it was required and yet Capital One keeps purchasing flood policy and when I have sent them proof of insurance it does not get applied to the mortgage. Then the Flood insurance department sends me notification needing flood insurance on the property when it has been sent several times from myself & the insurance agent. This is utter confusion for me and for my insurance agent when there is a severe lack of communication between the Mortgage department, Escrow, and Flood Insurance. They have completely mismanaged my mortgage account.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (NY)

I went on a cruise in XXXX, 2014. Barclays Bank Delaware was marketing a Carnival Master Card. I applied and was approved. I never used the credit card. After learning there would be a processing fee, I immediately cancelled the card. All purchases incurred on the trip was paid from my debit card on another credit card. After sailing I never used the card and they charged off the account on XXXX XXXX, 2014 and claim that I owe them {$430.00}. I never used the card and why are they charging me {$430.00} for an account which should have a zero balanced.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (VA)

I settled a debt with BARCLAYS CREDIT CARD thru their XXXX XXXX XXXX XXXX XXXX XXXX. My original debt was around {$1800.00} and we agreed to settle for the amount of {$900.00} four monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XXXX 2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. I had my Credit report pulled by XXXX on XXXX/XXXX/2016 and this is the information that still shows on the account attached to this particular account : " ACCT SUBMITTED TO COLLECTION ; DISPUTE RESOLVED - CONSUMER DISAGREES ; CLOSED BY CREDITOR ; PAID ; CUSTOMER UNABLE TO LOCATE SUBJECT ''
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NJ)

Hi, Please refer to my previous case # XXXX. Caliber Home Loans is delinquent with my taxes once again. If this company can not pay my taxes on time, I would like my escrow refunded to me and I will pay the taxes. I am sick and tired of their excuses which leave me to believe they are using my money for something else. According to my township, they are receiving notices. Please advise what the next steps are.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

My mortgage was with XXXX and was supposed to include escrow. However at the time of signing no escrow was included and I was advised that the will add the escrow after we signed the documents. Well that did not happen and I contacted the person who closed the loan and was told he no longer worked with them but they can look into to it and get back to me. Well that did not happen and the branch ended up closing and nobody could help me. Needless to say I fell on hard times and my home went into foreclosure with XXXX a lock was placed on my front door and I was unable to gain access to my home. I contacted XXXX and they informed me that it was pulled out of foreclosure so I asked for the key and gained access to my house. At that time they told me I was responsible for the taxes on the property and I said okay. They then sold my mortgage to Caliber Home Loans who would only do a interest only payment modification for 5 years which and the balance on my mortgage is more that the house is worth. I had to take that option or lose my house. I have not missed one payment. I then receive a bill for my XXXX payment for XXXX which is XXXX more than my payment was. Come to find out it is because XXXX never paid the taxes when they had it in foreclosure and it was just added to my mortgage. I can not afford this. The balance on my mortgage is more than my house is worth. I need a modification that will lower my payment for the life of the mortgage not just interest for 5 years. It will put me back in the same position I was.
Consumer complaint received 2017-02-01
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had a direct deposit issue and I received help via the CFPB. American Express responded and clearly indicated that they were sending my funds back to the original funding source. My direct deposit was for XXXX which went into the incorrect account due to an error with direct deposit number entry. American Express has only refunded me {$530.00}. Where is the additional monies that they said they were sending back?
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (PA)

American Express continues to allow monthly recurring charges on my account. I 've called and complained on numerous occasions and I 'm told it will be investigated. Shortly thereafter the charge returns. Today we spoke to an American Express Fraud Representative and was told that although the original credit card that was used to open the account is no longer valid they continue to allow monthly transactions because it 's recurring and we gave them permission to do so in 2003. Please keep in mind that I 'm being charged on an old credit card number and the merchant does not have the exportation date, account number or security code. I 'm paying {$39.00} a month and this has been going on for years. When I call the company in question, the call gets disconnected or I 'm hung up on. The last time I called they wanted me to send them a copy of my driver 's license. There is no way I 'm doing that. I 'd really be in trouble.
Consumer complaint received 2017-01-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (GA)

Credit Collection Services continues to send me notices and letters demanding payment of an alleged medical bill in the amount of {$60.00} with my daughter named as the patient. I have sent 2 certified letters, one certified letter was signed by Credit Collection Services on XX/XX/XXXX and the other letter was signed by Credit Collection Services on XX/XX/XXXX. In both letters I told them I was disputing the alleged debt and I also asked for validation of this alleged debt. I have not received any valid proof that this is even my debt. On XX/XX/XXXX I received another collection notice by U.S. mail from Credit Collection Service still trying to collect on this alleged debt. The fact that they just received my certified validation letter on XX/XX/XXXX ( I have the signature card to prove it ), and they sent me another collection notice dated 7 days afterwards makes me believe that they are intentionally sending me harassing letters and refuse to send me valid proof. They are violating my rights as a consumer. They are also causing me XXXX and harm due to this situation. As I stated in my certified letter, I want all valid proof I requested of alleged debt addressed to me specifically and all communication in writing only and sent to my home address.