davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OK)

I had filed several disputes to Equifax XXXX XXXX Department and to no avail I have gotten anywhere with them on ( XXXX ) accounts that are not mine I even took them to court in small clams and won judgement of {$1500.00} but they have yet to pay the court cost of {$58.00} which they said they would nor did they removed those ( XXXX ) accounts on my business credit report. Since then they have block my credit from creditors from pulling my credit to establish credit with a home mortgage loan, car, and even joining a monitor service
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

I filed a dispute requesting verification of a debt that is being reported by XXXX XXXX XXXX ( XXXX ) for account XXXX XXXX. I requested a debt validation from XXXX and was summarily ignored. I then attempted to contact the original creditor to have the debt validated and was told that they no longer had ownership of the debt. I, again, requested debt validation from XXXX and my request, again, went unanswered. I then filed a dispute with Equifax on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates report and amount owed. The results of the " investigation '' was forwarded to me XXXX/XXXX/2015 and, according to Equifax , the account had been verified. I immediately contacted Equifax by phone and requested documentation showing how the debt was verified as, I had yet to receive any documentation whatsoever after repeatedly asking. Moreover, I explained at great length that the only changes that were made in lieu of my dispute were made by the original creditor to reflect what was being reported by the collection agency. ( see attached ) This change was made despite the fact that the original creditor denied having any documentation pertaining to the account in question because it had been sold. In closing, I would like to point out that the apathetic response I received from Equifax following my dispute, their failure to provide me with necessary/requested documentation, and their complete disregard for the questionable changes made to my credit file following my dispute, is indicative that they never attempted to conduct a " reasonable investigation ''. Needless to say, I would like to be provided with copies of all documentation verifying the debt that Equifax found sufficient. If unable to provide the documentation, I want the derogatory listing deleted from my credit file. Lastly, It is also my hope that the CFPB will take a long, hard look at the way Equifax does business.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I have requested my free annual credit report several times. Equifax has refused to give me a copy of my report stating that the information I have provided is not matching their records. I have attempted on XXXX/XXXX/XX/XX/2015 to obtain a report using the XXXX website they forced me to go to. At that time, I entered my information and requested an XXXX and Equifax report. XXXX sent the report without issue. I called Equifax today and was told I needed to enter correct information. I did. They refused mecagain online. They do not have a way to speak with someone and have refused to assist me. This violates my FCRA rights and I would like an investigation done.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

XXXX was previously deleted from my credit reports due to the account not being mine. The account has now reappeared to my Equifax as a delinquent account. This account is not mines. The balance on the account is XXXX.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MT)

On XX/XX/2016, I pulled my credit report from XXXX XXXX. I noticed that Equifax had deleted the XXXX credit card from my credit report. I have attached a copy of that documentation. In pulling my credit report today ( XX/XX/2016 ), you will see that Equifax has reinserted this credit card. See attached.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my Equifax and XXXX are incorrect and needs to reflect the same as my XXXX credit report.
Consumer complaint received 2016-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

I was contacted at my workplace by XXXX XXXX Attorney Scott Caruthers on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from XXXX, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called XXXX and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.
Consumer complaint received 2016-07-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (CA)

I experienced water damage to my home in XXXX XXXX. On XXXX XXXX, XXXX, I submitted the insurance claim check of {$17000.00} to my mortgage lender. My mortgage lender refuses to disburse sufficient funds for me to meet my contractual requirements to my contractors. I need an initial funding of {$6900.00} to get the work started. Despite a good faith effort on my part to provide supporting evidence to explain the details of the required funds, my lender has only released {$5900.00}, forcing me to self-fund the remaining {$950.00}. 

I have strongly objected to this shortfall, including written email notices and phone calls to the lender 's customer service organization. My written notices to the individual handling my claim have been met with inflexibility, obfuscation, and a message of " not my job ''. I am dismissed with vague references to " go talk to Corporate '' without any assistance given of who I need to deal with. My phone call to my lender 's Customer Service organization was greeted with professionalism and courtesy - yet I have received no response from a management individual.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (OH)

I already disputed this on XXXX/XXXX/2015, but the creditor came back with a form letter response. I do not feel like it was addressed properly. Residential Credit Solutions was in error with their reporting of my credit history. I felt they used unfair practices to create late pays and fees. They 're not helpful when I call to discuss. They changed my ESCRO account minimum threshold years after I was into a loan. That 's what caused a series of late pays that was eventually corrected, never to happen again.
Consumer complaint received 2023-07-31
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2017-02-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (FL)

I purchased a car out of state ( XXXX ) and financed the purchase through US Bank in XX/XX/XXXX. I went to the XXXX DMV to switch from the temporary tag to my permanent tag and I could n't do it without the title. The XXXX DMV contacted US Bank to get a copy of the title, they in turn contacted XXXX to get a " paper '' title. XXXX is an electronic title state and does not issue " paper '' titles. US Bank claims that they can not ask for an electronic title and they keep asking XXXX for a " paper '' title. It has been 5 1/2 months since I purchased the car and I STILL do not have the title! I 'm on the last temporary tag, the XXXX DMV said they will not issue anymore temporary tags once this one expires in 30 days. US Bank has messed this up and their customer service department has told me a different excuse every time I call in. They requested a " paper '' title on XXXX/XXXX/XXXX and was told from XXXX they needed to request an e-title. After several contacts from both me and the XXXX DMV, US Bank asked XXXX for a " paper '' title AGAIN on XXXX/XXXX/XXXX. XXXX said this bank has messed this up in the past for other customers, and in the past the bank used a third party to get the e-title and transfer it into a " paper '' title so they could process it. They should do that in this situation too. It 's unbelievable that they are preventing me from legally driving the car I purchased because they do n't want to process an e-title. I pay my loan on time every month, they need to FIX THIS.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

Us Bank Home Mortgage, XXXX XXXX XXXX, XXXX, KY XXXX, is engaged in fraudulent practices when it comes to processing principal reduction payments. 
This has happened to me always for the last 5 times. Here is the the illegal scheme :1-I make a principal reduction payment in addition to regular monthly Home mortgage payment. 
2-However instead of applying the the extra payment to reduce my principle, they keep the money in their account for applying to future monthly payments. 
3-However their next month 's statement still shows monthly payment is due next month. This fools us thinking that all the excess payments were applied to principal reduction but in reality, it just stays in their pocket w/o reducing my principal at all. 
As a result the above # 2, they are unfairly charging me more interest on my Home mortgage ( and keeping the received extra money with them as interest free loan ). 
This seems illegal to me and after every such incident call them and they reapply the payment to principal reduction. 
It seems illegal, unethical and fraudulent and may be impacting lots of unsuspecting people.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (AZ)

Our mortgage was sold to Residential Credit Solutions XX/XX/XXXX. RCS does not accept automatic bank transfers, our bank, XXXX XXXX XXXX, must send a paper check to RCS for our mortgage if we use online billpay. The first sign of trouble came XX/XX/XXXX when we paid our mortgage XX/XX/XXXX. We paid on XX/XX/XXXX it was withdrawn from our account on XX/XX/XXXX, and not applied until XX/XX/XXXX, a total of 9 days. We were charged a late fee for this payment. I wrote RCS and the late fee was returned. Over the next few months, payment delivery times varied, but were normally between 5 and 7 days between the time I requested the payment to be made and the time the payment was applied. 
XX/XX/XXXX : payment made on XX/XX/XXXX, withdrawn on XX/XX/XXXX, processed XX/XX/XXXX. ( 8 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received and processed XX/XX/XXXX ( 5 days ) XX/XX/XXXX : payment on XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX Payment XX/XX/XXXX, received XX/XX/XXXX, processed XX/XX/XXXX ( 7 days ) XX/XX/XXXX payment XX/XX/XXXX, received XX/XX/XXXX processed XX/XX/XXXX ( 6 days ) The problem was with XX/XX/XXXX. The payment was made XX/XX/XXXX, received XX/XX/XXXX, and processed XX/XX/XXXX ( 15 days ). We were again charged a late fee, even though the money was received before the end of our grace period. We have been told they will not refund the late fee this time, even though it is obvious that the processing time was in some cases THREE TIMES as long as in previous months. 
This seems extremely suspect. The closer to the end of the grace period, the slower that RCS processes payments, but the more {$73.00} late fees they can charge for " late '' payments. In 20 years of homeownership, we have never made a late mortgage payment and yet RCS has managed to say that twice in 6 months they have n't received it in time to process before the due date. No bank XX/XX/XXXX should not be able to accept ABTs. The only way RCS will take an automatic payment is through XXXX XXXX for an additional fee. This is absurd and is outright piracy of people who have no control over who services their mortgage. These fraudulent fees are not fair to consumers when the control on processing time is completely controlled by the company.
Consumer complaint received 2015-10-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D. SCOTT CARRUTHERS (CA)

XXXX D Scott Carruthers called my cell phone from number XXXX twice within 1 minute, and then proceeded to call my work place twice and leave a voice message, and then called again. This constitutes gross misconduct and unprofessionlism on their part. I would like to submit a formal complaint so that maybe enough of these will shut their business down and no more people have to be abused by their annoying calls and tactics. I do not have any debts in collection, i pay my bills on time, i pay my taxes, I have a credit score of XXXX, please leave me alone and never call my business again.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

I HAVE BEEN TRYING TO GET A MODIFICATION WITH MY MORTGAGE COMPANY US BANK BUT I KEEP GETTING THE RUNAROUND. I FAXED MY A COMPLETE PACKET 100 TIMES THEY DENIED ME FOR NO REASON REFUSE TO HELP WHEN I ASK QUESTION TELL ME IM DOING PACKET WRONG BUT WHEN I ASK WHAT IM DOING WRONG THEY SAY " WE ARENT ALLOWED TO TELL YOU HOW TOP DO IT '' IM TRTYING TO KEEP MY HOUSE BUT THE BANKS WONT HELP!!!!!!!!!!!! US BANK IS IMPOSSIBLE TO DEAL WITH. I CANT GET A SUPERVISOR THAT IN THE COUNTY I CANTR UNDERSTAND THE PERSON ON THE PHONE ( FOREIGN ) I CANT GET ANYWHERE
Consumer complaint received 2016-05-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I was with XXXX XXXX XXXX for 8 years and they sold me to Carrington Motrgage. I have requested a modification due to unemployement and turned in the package as of XXXX/XXXX/2016 with new income from employment. It has been more than 37 days and have not received a call for a work out or anything. They mailed me a letter yestersday stating that they still need more documentation after they have said they have everything? They are needing proof of occupancy from us? They have are address on the bank statements and other paperwork? They are also requesting that we show earnings? We have that listed on the profit & loss that we submitted with the package XXXX days ago and they said it was fine? On the other hand, XXXX XXXX XXXX started this whole thing when they denied me for a modification after I showed them 30 days of check stubs for new employment and sold me to this bank that is known for being unfair with the XXXX Consumer. They sold the mortgage in XXXX of 2016 to Carrington and they have delayed the process of the home retention program.
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (CT)

I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written VOD from both of the collection agencies/law offices and the original creditor. I requested VOD over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my CBR as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my CBR immediately.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (OH)

EASTERN ACCOUNT SYSTEM Account # XXXX have a a unverified account from EASTERN ACCOUNT SYSTEM. I had previously disputed this account this account. I have never done business with EASTERN ACCOUNT SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EASTERN ACCOUNT SYSTEM purport I owe. I request thatEASTERN ACCOUNT SYSTEM Provide verification of the following : XXXX. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EASTERN ACCOUNT SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ Data International has attempted to collect the wrong total from me numerous times. I have tried to settle with them more than 5 times and they are not willing to work with me. The last time i called them the manager told me they are not going to work with me at all and i " need to stop talking about something i know nothing about ''. They are trying to charge me interest on a non interest baring account.
Consumer complaint received 2017-03-25
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Reliant Capital Solutions, LLC (IN)

I have received XXXX college degrees and working on my fourth, while in the pursuit of my second degree I took a break and then restarted resulting in some out of pocket expenses. The loans I obtained in the pursuit of my degree. Therefore I owe all of my loans to one lender and I can not also still owe the collection agency, their database was never updated when I returned to school and completed my degree to become a nurse. The above mentioned company is Reliant Capital Solutions.
Consumer complaint received 2024-08-23
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. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2015-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CO)

Seterus Mortgage Company tacks on a XXXX Hazard Home Insurance on my mortgage even though I have XXXX insurances on my home. XXXX with XXXX through the HoA for the outside walls and XXXX with XXXX XXXX that I have for the interior items. We have been faxing them documents for the past XXXX months. I called them last week, they said they got it, but they needed some more information. They do n't bother to call and tell me anything. Same thing happened a XXXX ago. Last year it took XXXX months to remove this added insurance and refund it to my mortgage. This year its now been XXXX months, so I have to pay extra every month so I do n't have late fees or late on my credit score.