davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent my dispute letter on XX/XX/XXXX and I file a complaint to the CFPB on XX/XX/XXXX because i didn't get any results back from the 3 bureaus in the 45 days they have to reply. When i sent out the complaint they said that it was a third party and wasn't me that sent out the complaint and for that they wouldn't do anything about the inaccuracies on my credit report. I feel like i'm being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people. We have sent in all requested information multiple times with no help!!! Carrington seems to misplace a lot of documents just to request them again.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (AZ)

I received a collection notice from North Shore Agency for {$29.00} for a subscription to XXXX  XXXX magazine. I do not subscribe to this magazine. The letter offered an " opportunity '' to resolve the account and receive the full benefit of the " subscription order placed ''. No order was placed.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

This is In Reference to my previous complaints that I have asked you to investigate against Bayview / Community loan servicing under complaint # XXXX and XXXX. I am asking CFPB to investigate the details of the forclosure below. 

Community loan servicing is not responding to the their improper handling of this mortgage foreclosure. 

ALL CORRESONDENCE ( PLEASE SEE THE ATTACHMENTS ) WERE SENT TO THE ADDRESS OF THE PROPERTY WHERE NONE OF THE PARTIES RESPONSIBLE FOR THE MORTGAGE RESIDE. EVEN THOUGH I MADE AGREEMENT FOR THE LOAN MODIFICATION IN XX/XX/XXXX VIA EMAIL AND THE FIRST PAYMENT WAS CASHED IN XX/XX/XXXX, NO FURTHER CORRESPONENCE WAS SENT TO ME AT MY ADDRESS THAT WAS GIVEN TO COMMUNITY LOAN SERVICING. EVERY PIECE OF CORRESPONDENCE WAS SENT TO THE INCORRECT ADDRESS. 

The loan modification agreement that was issued by Bayview was never forwarded to me for the payment arrangements although Bayview had my home address, email and my cell phone number. There were no attempts to contact me only letters and arrangements sent to the property address that I did not receive. 

The transfer of service that is referenced to have been issued to me was also issued to the address of the property. This information as to the transfer of the mortgage was never sent to me to my address of record nor was I notified in any other way. 

Community had all of my contact information but chose not to contact me at my home address, my business email, nor to my cell phone. XXXX XXXX at Bayview had all of my contact information. ( see the attachments ) Community states they are unable to comment on the servicing of the loan as the loan was transferred to XXXX ; however they were responsible for giving the new assumed company my correct contact information which was NOT done. 

The transfer of service company, XXXX XXXX, was not given my correct contact information by Community as no attempt was made through this company regarding the previous modification or a new modification agreement and the property was sold on XX/XX/XXXX without any notification to me as guardian to XXXX XXXX XXXX. 

This is my third attempt to ask to have this reviewed as to the fairness and integrity of the transactions that occurred. I continued my contact with Bayview/Community into XX/XX/XXXX with no resolution and no cooperation. Community simply want to transfer the blame for the foreclosure sale to XXXX XXXX XXXX XXXX whom never received the proper contact information for this loan.
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (NE)

I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from XXXX XXXX , XXXX My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Someone has found their way into opening up new accounts in my name that ARE NOT mine. Bankruptsies are also showing up on my report that are fraudulently reporting against me past the statute of limitations on top of that! I reported this to Experian and XXXX & XXXX on both XX/XX/XXXX and XX/XX/XXXX. I mailed formal letters, a police report, ID forms, and an FTC affidavit stating these were fraud and must be removed. We are more than 45 days past the legal investigation time period. No valid documentation has been provided to me that these are mine.Bankruptsy ref # XXXX, XX/XX/XXXX, XX/XX/XXXX, {$0.00}, Bankruptsy ref # XXXX, XX/XX/XXXX $ XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX SVC acct # XXXX XX/XX/XXXX {$7900.00}, XXXX XXXX XXXX acct . # XXXX XX/XX/XXXX, {$160.00}, XXXX XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$0.00}, XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$7900.00} INQUIRIES NOT MINE : XXXX XX/XX/XXXX, XXXX, XXXX card XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted to contact XXXX XXXX via dispute letters. I have never received a response from them. 

After contacting my Attorney General Office here in Georiga I was advised that XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company.
Consumer complaint received 2021-01-19
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. (TX)

I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (FL)

This company calls every day, they dont say the name correctly, wont give any other info, but say they " will do what they have to '' and say it as a scare tactic. I believe this company is trying to scam people. 
In XX/XX/XXXX alone they have called 14 times and today is XX/XX/XXXX. 
They have called XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX dead silence, XXXX at XXXX told them to stop calling & XXXX I did not answer, XXXX, XXXX at XXXX & XXXX, XXXX, XXXX XXXX & XXXX. 
In XX/XX/XXXX, calls everyday as well and in XXXX I advised them to stop calling earlier in the month. They continued to call throughout XXXX, but I did not answer.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (OR)

This letter is to dispute a debt byELEVATE RECOVERIES LLC which is now on my XXXX Credit Report. On XX/XX/ I was notified by a credit tracking program that a new debt was added to my credit report. The debt is the same listed from XXXX XXXX XXXX ( see attachment ) date from XX/XX/XXXXby Original Creditor : XX/XX/XXXXXXXX XXXX XXXX. Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

As of today, I have never received any communicationfrom Elevate Recoveries LLC regardingthis matter. In addition, this is the same complaint and old debt that was closed in XX/XX/. The last new creditor listed was XXXX XXXX XXXXXX/XX/XXXX.I completed this complaint with CFPB on XX/XX/XXXXwas notifiedit was referred to the Federal Trade Commission. I am not sure why the debt that has been closed is being sold over and over again to multipledebt collectors. This does not seem lawful especiallywithout any communicationto the consumer that this takes place or giving me a chance to request information regarding this debt which was not provided to myself or my lawyer.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (TX)

On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. The have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jones, Robin & Robin, P.C. (GA)

My identity was stolen in the year of XXXX. In XXXX I received a letter from a debt collector agency threatening to garnish me. I reached out to this company, apparently this account was falsely established using my personal information that I didnt have any knowledge of until XX/XX/XXXX. The account in questioned is 15 years old. This fraudulent account has been in collections since XXXX. I am a victim of identity theft. Im not paying for someone elses debt.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

I refinanced my loan the beginning of 2016. I have never one time missed a payment and I pay more than whats due every month. Loan Care is reporting me 30 days late recurring for over a year and I have never missed a payment. I have spoken with them hundreds of times and nobody there can even tell me why they are showing me late. They transfer me around to other people who do n't know what they are talking about and nobody there will actually fix the problem or help me. I have proof of all my payments and I do not miss any on any accounts. This is seriously affecting me and they will not help me. How can I be late since the start of the loan when I have made the payments monthly. They are charging me fees every month for being late but yet they ca n't tell me where I went late.
I have the proof of my payments that I have provided them monthly and not one time have they ever proved to me why they are reporting late. Yet I sit here paying late fees for a year and a half all the while getting 30 day lates every month.
They need to be regulated, how can they even do this?? I need help and I need it fixed.
I 'd like to know how these companies get away with this and apparently can do whatever they want and I have no recourse?
Consumer complaint received 2017-08-16
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: Receivables Management Partners, LLC (TX)

On XXXX XXXX, 2017 at approximately XXXX CST I was contacted by a caller with the phone number XXXX.
This number belongs to a firm called RMP, which appears to be a collections agency based in Texas. The only information that the employee on the phone would disclose is that the matter had something to do with " a personal matter. '' I asked the employee if this was a debt collection call, which she refused to answer, again stating that the call was regarding a " personal matter. '' The employee would not discuss further unless I verified either : the last 4 digits of my social security number, date of birth, or current address. I did not feel comfortable proving this personal information to an unknown caller, and I ended the call shortly after.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NC)

Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAArights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion had a breach in XXXX where inquires were taken off then added back on. They did not notify me that this had happen. It is not legal to add things to credit without notifying me in writing. Then again this same thing happen in XXXX again. Once again I was n't notified and these inquiries were added back. I called Transunion and they said they could not do anything about the above breaches. These inquires should not have been added back twice. These need to be removed immediately. Thank you for your time.
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

An dispute letter was sent on on XX/XX/XXXX and I have not received an respond. It surpassed 30 days and no update so I mailed an second letter to delete XX/XX/XXXX, however the consumer served me court documents XX/XX/XXXX. Clearly they received my updated information because it was on the first dispute letter. This item is to be removed. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$1500.00} written off Original Creditor : Balance : {$0.00} Highest Balance : {$1500.00} Explanation of item being disputed : The account/item is not mine
Consumer complaint received 2020-12-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Firstly I have been on hold now for over two hours with PayPal. PayPal put limitations on my account, I have provided all the documentation they required and each time I ask when my issue is going to be resolved another 72 hours is added. I am closing on a house on the XXXX of XXXX, My sister sent me {$3000.00} to help me with closing costs. The day I received the money, PayPal put a restriction on my account. I called them, I submitted every bit of information they wanted but still they have not lifted the restrictions. They have held my money for over 5 days, and they will still hold it for another 3 before releasing it into my account. Time is really what I do not have, I need that money urgently. My sister even called them and also wrote to them countless times. Why are they refusing with my money when both the sender and the recipient have provided all the details they need? Now they do not pick up my calls, do they flag people that call too much? People that annoy them because all they need is their money? I dont know what else to do, I have begged, I have cried for what is rightfully mine. They charged my sister an exorbitant amount in charges and still they are holding the money? I know it benefits them as a financial institution to hold peoples monies for as long as possible but they have to also realise the amount of damage and pain they are inflicting. I am appealing to their humanitarian side to to please help me with this. As I am typing this message, I have passed the 2 1/2 hour mark and no one has picked up my call. Can anyone on this forum please help me. My Reference ID : XXXX
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (IL)

Checking account closed on XX/XX/2020. Everything associated with the account had a XXXX balance. BMO Harris bank has kept issuing checks on this closed account for the remainder of XXXX and all of XXXX. Bad check fees were charged to those who they issued those checks to. I have spoken with BMO Harris however they continue to issue checks on this closed account.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I had a car lease through XXXX XXXX XXXX. I traded my car in on a new car and the dealer sent the full payoff via certified letter on XX/XX/20, which XXXX XXXX confirmed they received the check for the correct and full amount on that date. The payoff was good through XX/XX/20. After numerous calls, emails, and resubmission of paperwork they still havent processed the payoff on XX/XX/20. Between the dealer and myself we have called 9 times and Ive received multiple notices that my payment is due with late fees. Im concerned this will hurt my credit rating for something that should have been handled almost a month ago. I repeatedly have been told there is no one that I can speak to directly in order to have the situation resolved. Instead they keep saying they have sent emails to the department that handles payoffs. I called again today and have spoken to 3 people and still no one can resolve the issue.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hello, I have 2 inquiries on my credit that I have disputed several times & have yet to be removed. The accounts are fraud & I was a victim of identity theft. The 2 accounts listed were XXXX & XXXX