davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, CA XXXX. 
Tel : XXXX Email : XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX XXXX, Loan Care, XXXX XXXX, XXXX XXXX, VA XXXX XXXX : CFPB Case Number : XXXX Further to my letter XXXX/XXXX/XXXX for the above captioned. I am angry to learn that you continue to mess up my account in sending out erroneous information. 
You should have noticed that there were XXXX letters sent to the addressee from the same office, XXXX dated XXXX/XXXX/XXXX, indicated that the monthly payment was 30 days past due ( Exhibit XXXX ), while the other XXXX from the same office of the same date, indicated that monthly payment date was two months pass due ( Exhibit XXXX ). Your letters failed to indicate which monthly payment was 30 or 60 days past due. Apparently, the left hand does n't know what the right hand was doing. You had been informed of the mess-up at least XXXX times, previously by letters, and all were informed via the courtesy of CFPB, yet your office did not improve a bit towards the servicing of your customer. It is evident that there is serious break-down within your office communication ... ... ..
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (AZ)

debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of XXXX XXXX 2015 and the debt should have a later date then that
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed a Bankruptcy Item on my credit report with TransUnion twice. However, they continue to report this item as belonging to me. And the tell me to contact the Bankruptcy Court about the item. Yet, when I call the XXXX Bankruptcy Court XXXX tell me that they are not reporting this information to TransUnion. Also, TransUnion has not provided me with any evidence that the XXXX Bankruptcy Court for XXXX is furnishing them with this information. TransUnion also told me that they hire private venders to gather this information from the Court. Therefore, TransUnion is furnishing this information as hearsay because the Court is not furnishing them with a Bankruptcy item.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 


Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC (WA)

I entered into an agreement with XXXX Mortgage to refinance my home at an interest rate of 3.625 %, and they were going to provide me with a {$2200.00} credit. An issue occurred with the appraisal they ordered, and an appraiser was not sent out for three weeks later than originally intended. I spoke with individual who sold me the product XXXX XXXX XXXX XXXX who informed me that as a result of the delay, a rate lock extension would be required, but because I was not at fault that XXXX would incur that cost and it would not be passed along to me. A new Good Faith Estimate was sent to me to confirm the rate lock extension, but this document indicated that the lender credit had been reduced because of the cost of the rate lock extension. I immediately asked my loan processor ( XXXX XXXX XXXX who advised me not to worry, and to sign the document for the sake of time, and the credit would be restored at a later date. XXXX more extensions were later required and I had the same concerns when the documents sent to me to sign, indicating that I would be paying, and each time I was given the same explanation as the first time. I sent XXXX emails in an attempt to confirm the original {$2200.00} credit, and although both XXXX and XXXX confirmed with me over the phone, they never responded to my emails, despite sending me other communications via email. Then, XXXX days before closing I was told that the absolute best they could do was provide a credit of XXXX {$1000.00}, and the justification was I could n't get a better deal elsewhere ( because interest rates had risen significantly XXXX and XXXX was not at fault, and the third party appraisal company was at fault. However, neither of those justifications hold any bearing, it is unethical to change the terms of an agreement last minute based upon market changes. I signed and closed on the deal because it was true, I could n't get a better price elsewhere after months had passed and interest rates had risen, but that does not make it okay to essentially lie and steal from customers. As for XXXX not being at fault, if that was the case, they should not have told me throughout the process that they were going to incur the cost.
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (MD)

The company XXXX has been paid in full for an old credit card debt and now the company is trying to collect on the debt a XXXX time by hiring a different  agency to collect on the debt.   I have my court documents showing the judgement was dismissed due to payment in full.  I also have my letter from the first company hired that states the debt was paid in XX/XX/2014. After pulling my credit report, I discovered XXXX has now hired Cavalry Portfolio Services to collect on the same debt and reported false information to the credit bureaus indicating I have not paid the debt. I have to add that the firm I paid did notify XXXX months ago about the debt being paid in full,  but yet XXXX hired another company to collect on the debt a XXXX time.  This if fraudulent and goes against the Fair Debt Collection Act.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
XXXX an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My mortgage servicer ( Bank of America ) approved me for a loan modification and a small error was made on the signature page of the permanent loan modification documents. BOA erroneously sent correspondence to another XXXX of their customers in another state XXXX XXXX & I never received any information that my documents had errors. Subsequently, I was never informed that my permanent modification was never processed. I was under the impression that everything was completed, as per my Customer Relationship Manager had told me numerous times throughout the entire process, as well as several other BOA representatives. I continued to make all of my payments for a year until my loan suddenly entered foreclosure. I spoke to over XXXX different representatives who told me that my loan was approved, that this was a clerical error, and to disregard the issue. I am now in pro se litigation to defend this issue, my credit, and try to save my home, that should have never have gotten this far. I have made all of my payments, and have only missed XXXX since the origination of my mortgage.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (WA)

Hello my name is XXXX, the reason i am writing you today, is I truly believe i was deceived and scammed by XXXX ... .back in XXXX of XX/XX/2013 I saw a great deal on TV for {$19.00} a month for 6 months and internet for {$9.00} when you bundle them together ... When i spoke to the representative he insured me that this deal was going on ... I very clearly asked him ... if I, order service from you i ONLY want to just sigh a ONE YEAR deal, and i asked can i do that?? ... and he replied of course you can and signed me up for a 12 month contract ... well what end up happening was they lied to me and just signed me up for cable not internet ... .because my bill was {$29.00} a month more then we agreed upon ... and they said you never bunddled so i was over charged and had to fight with them to credit it several times ... when i had enough of the over charges i deiced to cancel there services one month early of the one year contract ... but what i did n't know was when they XXXX installed my service and i signed the giant pack of papers they gave me to sign they roped me into a 2year contract in which i was never informed about and they never told me when i cancelled ... so now they clam i owe them an extra {$280.00} for terminating my contract early plus the collect agency fee, which i been receiving in the mail..and I spoke to someone in there headquarters and they just told me " when you signed the order you agreed to the extra year '' ... sorry..I just found out that the FTC charged them with Deceptively Advertising. so i thought i send you this letter ... .if you have any doubt on what i am saying ask them for you to listen to the tapes you have my permission and thank you for hearing me out.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly. 
Fraudulent Accounts XXXX MTR - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2016-04-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (PA)

I am not disputing the Calvary Profolio account # XXXX any longer. It has been 9 years since it occurred it is past statue limitations. Sincerely XXXX XXXX ( XXXX )
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ResidentCollect, Inc. (FL)

RESIDENTCOLLECT INC claims I broke lease by not providing " Intent to Vacate Notice '' and that I owe 2 months rent. I have document that proves I gave 30-Day Notice with copy of Military Orders. Document was signed by Property Management personnel on XXXX XXXX 2011. After finding out I was in collection, I called property manager and she agreed to remove account from collection which never happened. Collector did not accept my document and became abusive, used profanity and obscene language and threatened me with legal action. I am very frustrated because now the property management company at XXXX XXXX XXXX is no longer a business and the new property management company can not help me out. I feel that the burden of proof is on me and I have provided a document that shows that the property management office received and verified military orders in support of execution of my military clause and RESIDENTCOLLECT INC is undermining that. I feel this collection agency is abusive and is taking advantage of me as a consumer. I feel the document provided should have been sufficient to remove my account from collections immediately. What needs to be asked is what instrument ( s ) are using to claim I owe anything? You will find my document sufficient evidence to refute their baseless claim. They should be held liable as well for their rude and offensive behavior. Please have them provide any and all phone conversations they have had with me so that you can see how they have violated my rights as a consumer. this account needs to be removed from collections immediately.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX all my XXXX  loans were written off and paid off by the US Treasury as a response to Covid. Completely brought down to XXXX XXXX After Biden was voted into congress my account was contacted personally by the US education department who apologized and told me the balances were being returned to some accounts. I was told to file a dispute so that it would remain at XXXX $ and paid. Which o filed. In XXXX the US Department RETURNED MY BALANCE TO {$42000.00}. 

Limiting my financing abilities and opportunities as a small business owner. 

Its ludicrous that they can remove a balance receive funds from the give and turn around and return balances to whomever they choose. 

Its an injustice.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-11-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd. (LA)

I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

FIA is incorrectly reporting a late payment of {$12.00} that is affecting my credit. This is an FCRA violation. The company erroneously removed my autopayment option from their system. When I contacted them to advise of this, they had no explanation for how my autopay option could have been removed, other than the company went through a system upgrade in XX/XX/XXXX which could have removed this. The representatives I spoke with stated they could submit a courtesy adjustment to remove from burueaus, but it would need to be approved first, and then it could take 30-90 days. This is an unacceptable timeline when it is no fault of my own that their system removed my autopay option. I have been a loyal FIA Platinum Plus Member for 13+ years, and never have missed a payment nor received or received such poor customer service. I attempted to escalate before submitting this complaint, but could not get anyone to help expedite my request for removal from the bureaus. I spoke with the representatives listed below over the course of one week. I would encourage the compliance team to listen to these calls. On several occassions, I was advised that I would receive a call back and never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report and received an email from the credit bureau claiming the disputes were filed by a third party. However, these disputes were submitted by me directly. I even called to verify my identity, but they still refused to process my disputes. I wasted money on mailing the disputes and sent personal information through the mail to confirm my identity, only for them to fail to conduct a thorough investigation.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (VA)

What Macy 's is up to with its collections and compounding late-fee practices does n't seem ethical to me, and hopefully will become illegal. 
After making about {$600.00} in purchases XX/XX/XXXX, I set up my monthly {$25.00} Macy 's payments set up with my bank ( XXXX XXXX ) to go out XX/XX/XXXX, three days before the due date ( XX/XX/XXXX ). 
XX/XX/XXXX I started getting five calls a day ( literally ) from Macy 's that my payments were late and I was behind! Say what?! 
I called XXXX to ask what the heck was going on. They explained that if XX/XX/XXXX fell on a weekend, as it had in XX/XX/XXXX, they wait until the following Monday ( or Tuesday, if a long weekend ) to send it. 
And because I did n't know about it and my next auto payment in XX/XX/XXXX did not include the {$35.00} late fee, Macy 's charged me ANOTHER late fee, so were not claiming I owed them {$70.00}. : - ( I unhappily paid the late fees and requested that XXXX to move the payment dates up by 2-3 days, to XX/XX/XXXX or XX/XX/XXXX. 
2-3 months later, more harassment calls from Macy 's started. Same story : XXXX late payments and compounding late fees. 
I called XXXX again -- the person I spoke with earlier at the bank had n't moved the pay-out date. I stayed on the phone this time to get confirmation as XXXX moved the date up to XXXX, a full week before my Macy 's payments were due. 

Out of principle, because their practice of charging late fees for unpaid late fees is so very wrong, I have dug in my heels and not paid the late fees. So although my minimal {$25.00} per month has been paid like clockwork each month since XX/XX/XXXX, Macy 's has continued to mount hundreds of dollars in late fees. 
My letters to the exec offices of Macy 's have done no good. They are intransigent about this practice, which to me, seems like extortion. 

I closed the account and told them I will be paying off my entire bill for the merchandise and interest, but out of principle, I that I will not be paying them their late fees. 
Please look into this, and press for reforms to any legal loopholes that allows Macy 's to take advantage of consumers in this way. 

Thank you. 
XXXX XXXX
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

To whom it may concern, Our family was offered a USDA loan modification from Wells Fargo which began on XXXX XXXX, 2015. The offer required a down payment of {$1400.00} to be made by the date of XXXX XXXX, 2015 in order to accept the offer. In addition to having made the initial payment and consequently completing an extra payment of {$1400.00}, XX/XX/XXXX ; we have still not received our permanent loan modification. 

Our relationship agent XXXX XXXX has not retuned any of our calls since XXXX XXXX, 2015 and we feel that the final adjustments to our account have not been made. We are also concerned that Wells Fargo is in some way attempting not offer us the permanent loan modification and place our account back into default. 
*See Exhibit A -XXXX- USDA Loan Modification OfferOur escrow account is also a major concern as well. Due to my XXXX status as well as limited earning potential I 've been fortunate enough to be granted a property tax exemption. This exemption enables our family to be charged no more than {$380.00} for city taxes rather than {$1900.00}, no matter if the taxes go up. Wells Fargo has been made aware that these adjustments are to be made to my escrow account and have refused to dos so. These extra costs being charged to my escrow account have placed additional burden on our family to make payments for our mortgage. 

*See Exhibit B -XXXX Tax Proof of Exemption documentWe feel as though our family is getting the run around and we are seeking intervention from your offices. Wells Fargo is not keeping a transparent process and is abusing us by not adjusting a large negative balance to our escrow, even after receiving proof of the exemption via fax. 

No one is returning our calls regarding this matter and we 're entering into month # 3 and no adjustments have been made as discussed with XXXX XXXX on XXXX XXXX, 2015.