davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (SC)

on XX/XX/XXXX I mailed a certified letter to Paramount Residential Mortgage Group. This packet was mailed in regards to a mortgage application I submitted. 

The following is a copy of the letter I submitted : I applied for a mortgage through this company and was given misleading information. My mortgage broker decided to change lenders after advising me I was good for closing on my home in XX/XX/XXXX. I was later sent a contract from another lender with a different payment amount, interest, insurance and closing cost. I was never told my broker was still shopping lenders until after I received new documents to sign. My credit has been pulled several times by three different companies. I backed out of the deal after rearranging my whole life in the process of trying to get this done. I was never given any of my money back after paying for inspections, and giving earnest money. This was a horrible and heartbreaking ordeal I DO Not recommend this broker/ company to anyone.
Consumer complaint received 2020-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of LVNV Funding/ XXXX XXXX XXXX XXXX XXXX XXXX 

I just recently received a request for payment on a collection debt in the amount of {$590.00}, from LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX 

Neither one of these collection agencies has ever contacted me to verify any debt, yet LVNV Funding LLC, has placed this fraudulent collection account onto my credit files, and I want it removed immediately. 

LVNV Funding LLC has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with. 

This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed. 

A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, LVNV Funding LLC will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe LVNV Funding LLC/XXXX XXXX XXXX, XXXX anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately. 

A few years ago, I ended up taking XXXX  to court, because between them and LVNV Funding LLC, they fraudulently and falsely continued to slander my credit, and LVNV Funding LLC, was behind all of the lies and false information. 

The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be. 

I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services , to cease and desist from ever contacting me again. 

On the credit file, they also list Resurgent Capital Services as well, and I want them included in this complaint as well. 

As I have previously explained that I have dealt with this crooked collection agency before, and LVNV Funding LLC, and Resurgent Capital like to play a game that neither one or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it. 

LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX/ Resurgent Capital Services, can contact the Consumer Financial Protection Bureau , and the Consumer Financial Protection Bureau can contact me.
Consumer complaint received 2020-08-20
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: LEXISNEXIS (AZ)

The company has failed to verify the information on the credit bureauXXXX XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MI)

I got a notification through my credit reports that I have a collection item on my credit reports. I have not received any notices, calls, or anything from ERC but a negative item on my report. When I called to get more information, the agent was attempting to get my pay schedule and not listening to the fact that I do have rights to be notified before you just impact my credit. She was not listening and therefore I ended the call. The amount is {$750.00} for a XXXX final phone bill. I have no collections on my credit report and this brought my score down by 83 pts, while I am trying to purchase a home.
Consumer complaint received 2021-12-30
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: LEXISNEXIS (GA)

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 2020-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (IN)

I took out a payday loan almost a year ago. Advance America has been harassing me via phone for 2 months. They call from different numbers or even their personal cell phone numbers and call from out of state numbers. Multiple times per day impending my job.
Consumer complaint received 2020-09-22
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 (AZ)

Continuing to contact me even after I told them this is not my debt. Asked the agent to stop calling my work phone and to only contact me through mail on XX/XX/XXXX. They are still contacting me via phone even as of today XX/XX/XXXX every day.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX ) using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

FlagStar bank signed me up for Loan Modification without my knowledge or consent. My payoff amount went from {$310.00} K to {$320.00} K and this is how I noticed that this occurred. My Loan Number is XXXX. 

I was in forbearance hardship for 2 months. I called in XX/XX/XXXX, was on it for XXXX and XXXX, and then came out of it in XXXX. I called XX/XX/XXXX and spoke to XXXX. They signed me up on a Short Term Repayment plan which is 6 months of paying {$3900.00} to get the account current ; Confirmation # XXXX. No immediate documentation on this was sent. It wasn't until XX/XX/XXXX when I received the information regarding this agreement. 

In XXXX and prior, I had asked about refinancing and was transferred to dead-end voicemails. No one wanted to answer my questions directly. I started refinancing with XXXX in XX/XX/XXXX. During that process I noticed my payoff amount increased substantially and I cancelled the refinance. 

I called Flagstar XX/XX/XXXX to understand what occurred. After 2 hours and speaking to about 10 different individuals who transferred me around, they said their system automatically signed me up for Loan Modification.

I would like to have this matter resolved. I would like my payoff amount to return to the original amount which was around {$310.00} K not including a {$3900.00} payment I had made which was never applied to the forbearance.

I am trying to become current with Flagstar but their Customer Service is brutal - read their reviews online - and I am getting absolutely nowhere with them. I don't trust their representatives and their MO is to transfer you when they don't want to answer the question. Please help.
Consumer complaint received 2020-10-27
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. (MO)

Your company has violated the rules of the FCRA, my rights have been set aside. And if this is not corrected then I'll be forced to seek damages. I have repeatedly disputed this account " XXXX XXXX " but instead of removing it you keep reporting it. Inwhich you can not report accounts that was previously reported as an result of identity theft, nor can you re-insert an account inwhich was previously removed. And this account ( XXXX XXXX ) has been both previously removed in XXXX due to identity theft. However, it was re-inserted in XXXX. And this is Illegal on the behalf of you and your companies. Please correct.
Consumer complaint received 2020-10-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

Called on : XX/XX/XXXX at XXXX XXXX  I received a call reporting to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I am to contact a legal group about a debt. They provided no information on what the debt is for, but said I had 24 hours to reply or they will take me to court. I requested documentation on the matter and they said to reach out to the law firm. 

Law firm in question is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. 
Website which looks fake - XXXX XXXX XXXX  Called their number, left a message and had no call back. 

Call 2 : XX/XX/XXXX at XXXX XXXX  Received a call in the morning from " XXXX XXXX '' saying that they have not been told of any actions and that I will be taken to court if this is not done by tonight. 
15 minutes later I am then called back about the so called debt which they refuse to provide me documentation outside of an email. They asked to verify my last 4 social, which is all that ever shows up on letters or other reports and my email. He was very unprofessional. 

Current balance : {$590.00} ( {$290.00} x 2 MONTHLY ) Settlement offer : {$510.00} The email ( copied below ) does not give any history of the loan other than the company name 'Ace Cash Express ' and that I should pay over the phone immediately or be taken to court. The 'lawyer ' also said he is pushing to go to court to make more money. So refusing to provide me proper documentation for personal gain. 

Email came from : XXXX XXXX XXXX I feel I am to assume that all lawyers there use the same email address. 
XXXX Email received : Please be advised that all rights and obligations of the aforementioned account are with XXXX, XXXX XXXX  XXXX. Our office has retained the rights to assist you in bringing your delinquent account to a close. 

You are being offered a settlement to close your account for {$510.00}. Once the payment ( s ) post to your account : it will be considered Paid in Full. Payments can be processed over the phone with a pre-paid, debit card or credit card on or before XX/XX/XXXX. If funds are charged back, this letter will be null and void. 
If you have any questions relative to the above referenced account, please do not hesitate to contact our office @ ( XXXX ) XXXX, Monday through Friday XXXX. Please refer to the file number indicated above. 

Federal law requires we notify you that this communication is from a debt collector in an attempt to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX was place on hold for no reason called 4 straight days finally someone told me to go into a branch which b/c of covid i'm not going to do! they need to unfreeze my account b/c no reason for it to be locked my balance is over XXXX i'm putting money into my XXXX  not taking it out
Consumer complaint received 2020-09-22
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: Bread Financial Holdings, Inc. (CO)

I have filed the proper FTC affidavit and police report. I sent a letter with both attached to it to Comenity Bank. They apparently verified the information as accurate despite the clear evidence that I submitted. This is a huge violation of my rights. PLEASE HELP ME!
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I had Chase Freedom credit card that was opened in XXXX. It was closed by the company within a month and when I requested information regarding the closure, I was told it was due to an affiliate closing an account and so they closed their account. When I wrote to the Chase Executive office and asked for further details, i.e., the name of the affiliate and why either and/or both closed accounts, I was told that they would not provide that information.
Consumer complaint received 2020-10-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (VA)

On XX/XX/2020 I received a letter in the mail that stated I owed {$2100.00} and the due date is XX/XX/2020. The letter said that I owe an online payday loan from CashNetUSA and I would be taken to court if I did not get in touch with this debt collection company which is XXXX XXXX XXXX. I already paid my debt via a collection agency several years ago so I was confused when I received this letter. So I called the number on the letter from XXXX XXXX XXXX and spoke with a man named XXXX XXXX if that's even his real name. I gave him the file number that's on the letter and he looked me up on his computer and explained that I owe over {$2000.00} and that he was a debt collector I explained to him that I paid off my debt and it was nowhere near {$2000.00} he asked if I had any proof and I said yes. He then said okay well just pay 25 % of the {$2100.00} balance which is {$500.00} he said. I said no I'm not paying anything because I already paid off my debt and I have proof and I will call CashNetUSA to figure out what's going on here and that's when the gentleman said okay I will go into the system and write off your debt so you don't owe anything have a good day then he hung up on me.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am being taken advantage of as a consumer. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

Previously filed a complaint through CFPB with PayPal Credit, but it's run by Synchrony Bank, so I'm filing another report for them. It's their website through PayPal Credit. When I try to pay my PayPal Credit online, I get an error - " Sorry, there was a technical error. Please try again later. '' Same thing if I try to look at my online statements! They had to mail out a hard copy of my last three statements. That's a huge violation that I can't view my statements! This has gone on since XXXX XXXX. I called countless times for them to fix it and they haven't yet, as of the XX/XX/XXXX. I was hung up on several times. The website is : https : //paypalcredit.syf.comXXXX XXXX is Synchrony Bank The technical error lies with them, but PayPal Credit was also very rude by hanging up on me several times!
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

RoundPoint Mortgage added force placed Flood Insurance Coverage that was backdated nearly 18 months, leaving a premium due of nearly {$4000.00}. After 7 months, this issue was resolved with RoundPoint reimbursing the Flood Policy Premiums, however I still wanted the NCCOB to be aware of this issue. According to documents, RoundPoint was notified by XXXX in 2018 of a change to our Flood Zone. The County Flood Plain Manager says that there was no change and we have documents to prove that. However, we did move forward with a LOMA application to formally have the home removed from the Flood Zone. After that, RoundPoint removed all of the force placed coverage and premiums. However, I have spent 7 months and over a thousand dollars fighting this issue. RoundPoint is well within their rights to force place flood coverage when appropriate, however the federal law indicates that force placed coverage must be within a 'reasonable time '. I don't find 18 months to be 'reasonable '.
Consumer complaint received 2020-09-22
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. (MI)

This not a duplicate this a letter Demanding the CRA Experian, XXXX  and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation Experian, XXXX, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX Bank stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX bank state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.