davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (TX)

I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing comp any ( RountPoint Mortgage ) and they told  me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortga ge Billing Statement (  attached  )  dated  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the executed  Loan  modification agreeme nt RPM on   XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect . ( See attachment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to repo rt them as being on time. All payments were paid on-time to the lender   XXXX   XXXX   XXXX   XXXX   XXXX   and  Roundpoint whe n they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has greatly affec ted my credit score . Any assistance you can provide would be very much appreciated!
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CBC Credit Services, Inc. (MI)

On Friday XXXX XXXX 2017 I received a letter dated XX/XX/17 from CBC Credit Services Inc Which stated that they new where I worked, and made some assumptions about my means to pay. The letter closes with a very thinly veiled threat about how this company will proceed. Fair Debt Collection ActAs amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 807 section 4
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I have previously submitted my ID, proof of address and social security number. 

Disputed Information : Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYERS : XXXX XXXX XXXX XXXX Documentation Sent : Identification, proof of address, social security number. 
Legal Foundations : According to the Fair Credit Reporting Act ( FCRA ) : Section 609 : I have the right to request verification of inaccurate information. Section 611 : Adequate investigation of disputed information is required. I have not received a satisfactory response. Charge off : I am contacting you to file a formal dispute regarding several charge offs reported on my credit report. This communication seeks to rectify errors that seriously affect my credit history and that are contrary to applicable laws. Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 602 ( a ) : The information reported must be accurate and truthful. The charge offs in my report do not meet this standard, which represents a violation of my consumer rights. Section 609 : I have the right to request verification of any negative information. If they can not provide documentation to support these charge offs, they are required to remove them from my report. Section 611 : Credit bureaus must conduct a thorough investigation of any disputed information. Failure to provide an appropriate response constitutes a breach of this obligation. inquiries : I am contacting you to formally dispute several inquiries on my credit report. I request the immediate deletion of these records, as I do not acknowledge having given consent for their inclusion. Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 604 : Inquiries must be reported only if they have been conducted with my consent. I have no evidence of having authorized any of the inquiries in question, which means their inclusion is illegal. Section 609 : This section gives me the right to request verification of any information in my credit report. You are required to provide documentation that validates the authorization of these inquiries. Failure to respond to my verification request is a violation of my rights.Seccin 611 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fair Debt Collection Practices Act ( FDCPA ) : Section 807 : It is illegal to report misleading information on my credit report. If charge offs are incorrect or unverifiable, their inclusion is a violation of the law.
Consumer complaint received 2023-06-25
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. (WI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2017-05-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

I received a loan modification trial plan from XXXX XXXX XXXX on XX/XX/XXXX. Trial Payments were to start on or before XX/XX/XXXX I faithfully paid 3 trial mortgage payments early through XXXX XXXX. The 3rd payment was due onXX/XX/XXXX. I paid it onXX/XX/XXXX XX/XX/XXXX only accepted cash payments. I have all 3 receipts from XX/XX/XXXX. OnXX/XX/XXXX 1 day after the 3rd trial payment was due, my account was transferred to Shellpoint Mortgage. My account was not recognized in Shellpoint 's system untilXX/XX/XXXX. So, all the times I called between XX/XX/XXXX to XX/XX/XXXXI could not get through to a customer service person because they did not recognize my SS # or loan #. Anyway, I was able to contact, my representative XXXX XXXX and she told me how to make the next payment. On XX/XX/XXXX I received a permanent Loan Modification. I faithfully made 5 payments to Shellpoint Mortgage ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ). I have received confirmation numbers for each payment. Yet, they have me owing 5 payments threatening to Foreclose on my home. I have sent Proof of Payments more than 14 times to them both email and fax. They refuse to acknowledge the payments or update my account. ( This is the short version )
Consumer complaint received 2017-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I 'm a victim of identify theft. A person has tried twice to open a Capital One credit card once in   XXXX   2017 and another in   XXXX   2017. Both times  XXXX  contacted me and we had calls with Capital One and identified as fraudulent. Capital One stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for   XXXX    2017, but for  XXXX  2017 they missed  XXXX . I have written twice to Capital One 's fraud department explaining about the fraud and they missed the hard inquiry with   XXXX   and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

This is to follow up with previous complaint I filed on  XX/XX/XXXX    regarding the broken Chase ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX  College  XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on    XXXX   XXXX   XXXX   XXXX   I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got my card stuck inside of the slot, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase  's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They told me the best suggestion they can give to me was wait for  XXXX  minutes, and the ATM machine will release my ATM card back to me. Apparently all previously  XXXX  customers had been WAITED THAT LONG to re-gain access to their Chase debit card!!!     I   had an hair and massage appointment, thus I tried to call Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I waited near this broken Chase ATM mall inside of the mall for 20 minutes, I got back my ATM Chase ATM card but I missed my hair and massage appointment to get my debit card back.
I complained to mall manager about this horrible experience, the mall manager told me that this is outside of the scope of what mall management can do. It was Chase provided bad ATM machine, they also felt bad for all Chase customers who experienced difficulty with the ATM. They also had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUNT OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while, and Chase failed to check into this regardless multiple customers experience hassle and difficulties.       After I filed the  XXXX  complaint.  Chase  employee  XXXX   XXXX  left a voice message to my cell phone on   XXXX    he left a call back number  XXXX  and said that would like to speak to me in person. I called back twice but experience same bad experience as the other day, reaching his voice system, no live person to answer. I prefer Chase to reply me in writing regarding solution. No more phone calls. I would like to have a written record of the solution.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I hav  e had 3 major problems in the last 24 hours with US BANK. My husband scheduled a transfer to ( from his US bank account ) my US bank account which was suppose to take 3 days ... here we are 4 days later the transfer failed ( no apparent reason that US BANK could provide and not the 1st time this has happened ). Secondly, I set up a concurrent transfer to take place from my checking to my saving and though its an eternal account and the bank can obviously see the funds are not available they transfer the funds anyways leaving my account over drawn which leads to bills being upaid.
My last and most conerning complaint is that when I send my son in to make a cash deposit he is turned away. I called and spoke wih  XXXX . Who tells me this is the LAW from the Federal Bureau not a Bank Policy a  nd that  XXXX  does it all the time. Being an account holder at  XXXX  I do know this is true but I also know they sent information to the consumers regarding the new policy. I reminded her that it is a policy at  XXXX  and I knew of no law stating this. She went on to accuse me of laundering money and said it wasnt their policy but law though she could not state which it was.  I called the Federal Bureau who confirmed its policies by banks not the FB law. I then called their customer service # who also stated its not their policy and that every branch has their own rules but no where in their policy does it state that they can not take the cash deposit from a non account holder. I find it super alarming that each branch can make up its owm rules on the spot based on who the manager is. It needs to be a policy or not and followed throughout the entire corporation.
Consumer complaint received 2023-06-07
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. (CA)

I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, Transunion, XXXX, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion does not allow me to login to their Service Center, which makes all essential operations with my credit report very hard and time-consuming. 

XXXX. they've sent me my credit report via mail ( which I have not requested btw, as I consider this unsafe to send a lot of personal information in an envelope via mail ). While reviewing the credit report, I noticed a phone number, which I never had ( I think, it is a typo as it contains digits from my real number in wrong order ). 

Now I want to submit a dispute to correct this information, but I can not, because TransUnion blocks me from logging in to their Service Center, and the only way to dispute the mistake online is via logging in to the Service Center. 

And I am not going to waste my time and money by sending mails or calling their phone support, which is time-consuming, non user-friendly, unreliable and generally useless.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On  XXXX   XXXX ,  XXXX  at  XXXX   XXXX   XXXX   I called  XXXX   XXXX  at  XXXX   XXXX   XXXX  and  spoke  to  XXXX   EXT :   XXXX  to inquire about the late payments that occurred on my account after the account was closed.  XXXX   Advised that she  could not see any of the late payments that have been posted onto my account.     Upon doing an annual credit check I noticed tha t I had 2 late payme nts for the months of  XXXX  and  XXXX   XXXX . My account was closed in  XXXX  due to a motor vehicle accident that left my vehicle totaled and my account was closed in  XXXX  of  XXXX . I wrote the company to disput e the 2 late payme nts that had been put on my account after my account had been closed and instead on  XXXX   XXXX   XXXX  they posted another late payment to my account for the month of  XXXX   XXXX , 8 months after the alleged late fee occurred which caused my  XXXX   XXXX  to plummet almost  XXXX  points.     Further more the name is reported inaccurately on this account.
Consumer complaint received 2017-05-19
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. (GA)

On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8  months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Thomas & Thomas Attorneys and Counselors at Law, LLC (PA)

I am writing to file a formal complaint against Thomas and Thomas LLC for knowingly reporting inaccurate and potentially deceptive information related to an alleged debt under my name. This complaint is based on violations of my consumer rights, and I am requesting urgent attention to this matter.

Thomas and Thomas LLC has reported information on an account for which I have no prior knowledge or relationship. I have never maintained an account or signed any contract with this company, nor have I resided in the state they have listed in their records. I have formally requested that Thomas and Thomas LLC provide a comprehensive description of the verification process they used to authenticate this alleged account. 
To date, I have not received any valid authorization or evidence substantiating the debt. The reporting of this alleged debt without adhering to proper disclosure requirements contravenes my rights under federal law. Specifically, the companys failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) is a direct violation of U.S. consumer protection regulations. Thomas and Thomas LLC is not authorized to collect debts in my state, raising further concerns about their legitimacy and adherence to federal and state laws