davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

Company call several times a day passed the loan due date even when I have updated them on when I will be sending payment. I am not 30days or more late. They call in a very harassing manner, very poor customer service. I have gotten into several verbal disputes with them because different people call and no one seems to be updating their notes if any. I am in poor health and this has added too much stress, I am recently recovering from a XXXX XXXX and explained that to them, along with when I would be sending payment. And the harassing calls continue. I would prefer them not to call and to send correspondence thru mail or email. Even when my daughter called on my behalf to complain the manager was very rude to her. This company needs to work on its customer service skills.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my initial complaint against Transunion and XXXX, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, XXXX XXXX, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX . I am emotionally stretched thin and exhausted from writing to Transunion and XXXX  about the reporting of these XXXX accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & XXXX XXXX  due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If Transunion and XXXX  are conducting an investigation why are there so many inconsistencies from the same company. On the Transunion report, XXXX XXXX is showing an account status of open, yet XXXX is reporting an account status of closed. Is the account open or closed? Why is XXXX reporting 2 different account statuses? I reached out to XXXX & XXXX XXXX and I have yet to receive an response.
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-30
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC (TN)

I applied and was approved for a covid 19 forbearance plan. Start date XX/XX/XXXX through XX/XX/XXXX. We recieved the approval email from the lender. The next month our loan was sold to another company. The forbearance remains in effect but my previous Mortgage has made an error and is reporting incorrectly that XXXX is past due. Per the email while on forbearance, late fees would stop and reporting would show current to credit bureaus. This has not been the case. I have never been 30 days past due on my mortgage and this needs to be updated as soon as possible.
Consumer complaint received 2020-12-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

My wife and I applied for a refinance with Freedom Mortgage on XX/XX/2020 and the process is to date, incomplete. At the onset, our loan advisor was very helpful in providing the initial loan estimate@ 2.25 %. Once our social security information was forwarded to officially apply with Freedom, all went silent. Both emails and voicemail messages have gone unanswered from the loan officer, the title company, as well as the customer advocates. Once information that is requested has been provided, it somehow gets lost and you are requested to provide the same information again. It is as though, there is an intent to stall. 

This is absolutely the worst customer service experience we have had. This refinance should have been an easy and straight forward process and it is unheard of for it to take 3 months to be finalized. A streamline normally takes just a few weeks. Freedom has ran our credit twice, moved along to have our insurance update their records with them as the new lienholder ( although the loan has not yet been finalized ). The last successful communication we have received was on XX/XX/2020 advising that they were awaiting title work and approval. Nothing since. 

If there is an underlying reason for this lengthy process, we have yet to be informed. We have also requested that this issue be escalated to their management team and the staff has refused to forward a contact.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

Around XX/XX/XXXX I disputed an old XXXX cellular account from XXXX that I was granted a chapter XXXX discharge for on XX/XX/XXXX. It should not be showing on my credit report whatsoever statue of limitations. XXXX then responded to my dispute by re-aging the account to a much newer account for the same old original account ... so now it will be on my credit report for even longer instead of it being taken off all together like it should have been. I have disputed this incorrect information and reporting over and over with XXXX and Equifax and they will not take it off. XXXX says the updated information reaged acccount is accurate of the first delinquency date being XX/XX/XXXX? Mind you I filed, and was GRANTED a Chapter XXXX bankruptcy with my old XXXX account being included in that discharge XX/XX/XXXX. Out of nowhere XX/XX/XXXX XXXX has started negatively reporting to Equifax of this old account. Again when I disputed this once I found out, they turned around and re-aged the account to look newer then XXXX. Lastly I tried to refinance my car loan for a better interest rate ( bought my car brand new XX/XX/XXXX, not one late car payment ) and I was turned down for the refinancing and that is how I found out about this new/old negative account being reported to Equifax from XXXX. I have written a letter directly to the recovery department at XXXX and they wont help me they just say, the system says this date is accurate therefore they cant do anything.. PLEASE HELP, it is easy to see this is unlawful what XXXX has and is doing but no one will help me. I have spent years rebuilding my credit and this is now happening to me and its effecting my life more then should be allowed.
Consumer complaint received 2020-10-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2020, I sent out dispute letters to have Experian & XXXX  remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX  has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that Experian & XXXX  have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (IL)

On XX/XX/XXXX I contacted XXXX XXXX XXXX, IL to pay a {$120.00} debt that I owned. On that same day I received a letter in the mail saying the bill had been sent to collections. I called the debt collector and told them I had just paid this with the hospital and I also provided my confirmation number for my payment. On XX/XX/XXXX I show that the {$120.00} that I paid to the hospital was taken out of my bank account. Now on XX/XX/XXXX I was left a voicemail by the debt collector saying I needed to call them. When I called I stated I did not have any outstanding debt that I know of. The case worker assigned to me was very rude off the bat for no reason. When I told her I had already paid this debt, the case worker was rude and adamant that I was wrong and that I still owned the money, that the confirmation number I provided, the hospital said I did not pay. When I asked why am I just now getting a phone call over a month later she said she has called and left many voicemails but I can also prove with phone records that I do not have a single call or voicemail from her. I stated that if she did call me, would she not think I would call her back like I am now, since I didnt believe I had any outstanding debt? She got even more agitated when I said this better not go against my credit because I know and have proof I paid it. After getting off the phone with the debt collector, I called the hospital and they even confirmed that I DID pay and my account had a XXXX balance. The hospital told me to ignore the collection agency but this needs to be resolved because I do not trust the caseworker to handle this professionally based off her rude attitude from the start. I own a business and if an employee talked to any customer this way they would be out the door.
Consumer complaint received 2020-10-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (CA)

I received a notice in the mail from ClearPath Lending regarding a refinance on my existing VA loan. On XX/XX/2020 I spoke with XXXX XXXX, Senior Loan Officer, NMLS # XXXX. She gave me additional information regarding the refi. She sent me an email which looked very unprofessional and like a phishing email. I replied to this email and XXXX stated the email was blocked. I then called Ms. XXXX via the number provided in the email and left her a voice mail stating that the email had been blocked. I then called the number for ClearPath that I found on the web and the person on the other end would not verify if Ms. XXXX worked for them. In addition, she would not connect me to a supervisor at the company. Ms. XXXX left me a voice mail on XX/XX/XXXX stating that " If I was paying attention to the market, there was an increase in the basis points. '' She stated that I should send over my documents and lock in my interest rate before it increased. She never mentioned the voice mail I left her two days earlier. 
My concern is that I gave her permission to view both my credit report as well as my spouse 's credit report. There were many red flags in my opinion and I do not want to be a victim of identity theft.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

Experian is using the purpose of credit reporting to provide own business profits without tending to customer needs or authentic credit derivability. 

The information present on the report is never updated and showed incorrect amounts and balances. Moreover, it does not report all of the accounts. This seriously affects the credit ratio and provides a defamation to the rights of consumers. 

Please check into their calculation formulas. Their formulas never match any of other bureaus and include " Experian Boost '' to unfavourable add more credit which in fact is another " liar '' that it does not reflect in real score. 

This matter needs to be reflected to AG 's office and other Banking monitoring fraud alerts.
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS INCLUDING " XXXX XXXX XXXX '' I HAVE NEVER DONE BUISNESS WITH THIS COMPANY! THE ACCOUNT WAS REMOVED AND THEN PUT BACK ON MY CREDIT FILE!
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

I contacted BB and T on roughly XX/XX/2020. In reference to atm issue. I am a 30 year XXXX. I quoted the Frank/Dodd act and the agent denied me access to supervision. Before the agent hung up on me ... With me KNOWING THE FEDERAL LAW AND QUOTING IT ... a supervisor on the corporate escalation department refused legal request for FIRST name and ID number. As I am a five year XXXX XXXX XXXX, I dont do well with a BANK LYING TO MY FACE WHEN I QUOTE FEDERAL LAW. Then on XX/XX/2020. I receive a what I would call an illiterate documented Certified letter. Although this letter was sent to my Dead Grandfather XXXX XXXX, I opened the letter to find out that they have reviewed my acct. as and I dont have millions of dollars deposited into my account. They have TAKEN RETALIATION AND CLOSED MY ACCOUNT, all with no notification, no mention of their blatant violation of us law and callous attack. I Returned their letter as it was not signed, therefore not legal. And on XX/XX/2020. I withdrew all of my funds and left XXXX to keep it active. This was a pure calculated, callous action, as obviously BBT doesnt train accurately or they just dont give a XXXX about federal law. I want retribution for their arrogance and retaliation and blantant offense on someone who knows more than theyre so called customer liar service. Please ENFORCE THE LAW. SO DO SOME DUE DILIGENCE. Listen to my recordings making LEGAL REQUESTS AND BEING DENIED BECAUSE IF EMPLOYEES dont like to lose control of a conversation, THEY VIOLATE THE LAW. DO SOMETHING PLEASE OR ADVISE WHOM I MAY SPEAK TOO. To get ACTION, not words. Thank you in advance for your time.
Consumer complaint received 2020-10-30
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (OH)

The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDIT MANAGEMENT LP has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Since XX/XX/2020 I been trying to negotiate a settlement or a repayment plan with Specialized Loan Servicing, I have been offered a trial payment plan split it in two interest rates and two monthly amounts that all together add to a monthly interest of 13.1 % and a monthly payment of 1,200 approximately, this offer is only accepted by the investor if I pay an upfront amount of {$52.00}, 000, this amount is not affordable and my family can not afford the interest rate and monthly amount, I fall behind on payments due to a diagnosis of XXXX, and now a new diagnosis of XXXX, I was not able to afford payments also due to a divorce and lost of employment due to the XXXX. Currently I'm at high risk for COViD-19 and I'm not able to work. My children are currently working and we are trying to save our only home from this unscrupulous investor ; but we have not been successful, the investor wants to sell our home no matter the circumstances, the investor is not considering the fact that I have my elderly widow parent with me and that I'm his only support and my children only home.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Chrysler Capital is reporting erroneous late notation 's on my credit file. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the lates reported. I called back Chrysler to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the lates. The lates are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the lates. I was not late, the company promised to remove the lates and I need them removed.
Consumer complaint received 2020-10-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I disputed inaccurate information on my XXXX, experian and XXXX reports. All three bureaus sent me a letter stating the information was verified. I politely sent a method of verification letter asking who verified it, what was their title and what department and what phone number do they have. I have not heard back at all about my method of verification request.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED BANKSHARES, INC. (VA)

I have a problem with disputed transaction with United Bank. Before, i told them about this, however they refuse! I send a letter about duplicate transaction on my debit card, but i recieve mail that they WILL NOT investigate this transactions because they think this is like a fraud .... what a non professionalism. 
And now on the phone they do the same! Please, close this bank in states so nobody can used ... this piace of XXXX..