davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My dispute was mailed to EXPERIAN and delivered on XX/XX/year>. Despite clear instructions to delete specific accounts, EXPERIAN failed to remove them. Today, I contacted EXPERIAN, and the conversation was recorded. During the call, a representative confirmed receipt of my certified letter on XX/XX/year>, but also acknowledged that no investigation has been initiated. 
I reminded the representative that under U.S. Code 1681i, EXPERIAN is required to complete an investigation within 30 days of receiving a dispute, a timeframe which has clearly been exceeded. Additionally, I received no communication within the legally mandated 5-day period confirming that my request was being processed.

Given this complete lack of response, I am demanding the immediate removal of the negative accounts, per the instructions in my letter.

Furthermore, under 5 U.S. Code 6802, which restricts disclosure of personal information, I did not authorize any third-party company to report inaccurate accounts on my credit report. Experian did mention they were not affiliated with any third party company.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (DE)

My mortgage company, Roundpoint Mortgage, is very incompentent. I provided needed flood insurance documentation multiple times to the email addresses provided, with proof. They still assesed flood insurance to my escrow, after receiving proof. Since working with a bad customer service experience I have received XXXX different revised escrow analysis statements with no explaination. Calling them is no walk in the park. The real kicker is anytime you go to make an on-time payment they asses an NSF fee automatically within their on-line payment system. That is just wrong.
Consumer complaint received 2016-11-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

In 2003 I purchased the real property known as XXXX XXXX XXXX, XXXX, Maryland XXXX in XXXX County. Thereafter, I entered into a mortgage with XXXX XXXX XXXX XXXX XXXX. The Note was for {$480000.00} and refinanced XXXX outstanding mortgages. I have made the mortgage payments. Last year my loan was transferred to mortgage servicer BSI Financial. I have made attempts to determine my Rate, Payment, and Balance as I feel the loan has not been serviced correctly. When I call BSI I have been told to speak with different persons there who give me different answers. On XXXX XXXX, after being away for a couple days, I came home to my house having been ransacked, and furthermore, my house having been winterized and put under lock and key by my mortgage company 's proxy. I have had no foreclosure action instituted against me, and I have made every effort to comply with the terms of my loan.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

XX/XX/XXXX BSI Financial took out a home insurance policy on my house even though I already had insurance. This made my escrow account " low '' so they increased my monthly payment. I got that straightened out and money refunded, I asked for my payment to be reduced to what it was before the issue and was denied. XX/XX/XXXX I noticed that they started showing an insurance premium again, I asked that it be removed as I already had insurance and again provided proof. XX/XX/XXXX received notice that my monthly payment was to increase again due to insurance in my escrow. I called and asked that they delete that and refund the additional fees they collected in my escrow. XX/XX/XXXX BSI made the payment and still claims that my escrow account is short. I made my XX/XX/XXXX payment per my original payment amount and asked that they note why the payment is less than what BSI feels is the appropriate payment and asked for my escrow account be canceled all together. XX/XX/XXXX received notice that I could not cancel due to late payment, from XX/XX/XXXX. I now have delinquent penalty on my credit. They do not call you back.
Consumer complaint received 2017-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P. (AL)

My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus
Consumer complaint received 2023-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VT)

MOHELA has failed to do the following items as of today, XXXX Auto enroll my account in XXXX Provide an accurate total payment amount of the next due payment Accurately count XXXX qualifying payments Process employment certification and other documents in a timely fashion I do not have a clear idea of my PSLF progress or my total due payment after XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX {$XXXX}
Consumer complaint received 2016-12-20
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (CA)

Reloadit blocked my safe ( a safe is what they call where $ is stored that you have transfered online from your cash purchased card ) for a random security measure check. 
I have to send a picture identification and the receipt for the card via email ( or FAX ) to them to release my safe. 
I would n't have known my account was blocked until I tried to use it. They do n't even notify you so you can have a chance to clear it up before you need to use it. They said they do n't call out and they never asked for my phone # when I was signing up anyway. They had my email but did n't notify me that way either. 
I did n't save the receipt for the card I bought ( cash ) at XXXX and XXXX has no way to retrieve a receipt without the date, time and what lane I purchased it in!! Who remembers those details?? 
So the {$380.00} worth of reloadit cards I purchased today and have n't loaded into my safe are unusable ( and un returnable to XXXX for refund in any case ) until I send in my photo identification and receipt from XXXX, which is impossible to get.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

SS Number : Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Demanding A Credit Bureau Investigate To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX BANK DELAWARE Account XXXX FDCPA Act violation please delete. 
XXXX Account XXXX ... .This account is not accurate Please delete All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

If you had investigated properly, no e-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. 

XXXX vs. XXXX, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2023-11-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I have had two loans with lendumo the first loan I took out was {$300.00} back in XX/XX/XXXX. It was paid off XX/XX/XXXX. I reapplied on XX/XX/XXXX for a second loan I got the funds of {$810.00} on XX/XX/XXXX I paid down the principal making the loan term shorter. The loan term was originally 8 months long but I paid down the principal making the final loan term XX/XX/XXXX. I have been successful with making payments on time until I experienced a hardship. I had a payment due on XX/XX/XXXX. I spoke to an agent and stopped the payment but I was able to make a payment on XX/XX/XXXX of {$2.00} then I made a payment of XXXX on XX/XX/XXXX that was the missed payment from XX/XX/XXXX. I reached out yesterday XX/XX/XXXX. To stop the ACH I have been having issues with my bank. The next two payments are XX/XX/XXXX and the final payment XX/XX/XXXX. Im still struggling to get back on track. The loan balance yesterday was XXXX and now it is XXXX. I spoke with an agent named XXXX and she told me that the late fee is from a payment that I can pay it online. Im being charged for a late fee for a payment that hasnt been drafted out. I have been a loyal customer with lendumo since XXXX of XXXX I have not had any issues in the past. And I wanted to reloan in the future. I would like to consider what I have paid closed and settle.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

A debt collection agency called Convergent Outsourcing , Inc., has been calling my home phone and has begun sending letters claiming that I owe a debt to XXXX, of some {$400.00}. After confirming with XXXX that I had no outstanding balance, I closed my account. Convergent has continued its attempts to collect the debt despite my telling them that the debt is invalid.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (NJ)

Some one stole my Identity theft and opened an account from XXXX XXXX of Georgia. This is the second collection agent trying to collect this debt I do not owe.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (VA)

The company Kingston Data and Credit International Inc XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX is trying to collect through a debt collector which means the debt is already paid for. This company is a debt collector using fraudulent debt collection practices act violating multiple violations. Thats includes : a 15 USC 1692 a ( 6 ) a debt collector. A debt collector that is 15 USC 1692 b ( 2 ) communicating through other uses of communication please cease and desist your fraudulent debt practices which is 15 USC 1692 e any other false, deceptive, or misleading representation or means of connection with the debt collection.

This company should be investigated for fraud 15USC 1692 e ( 8 ) threatens or communicated false credit information, including the failure to communicate that a debt is disputed. That includes sending mail postage letters with no return address on the envelope which is mailfraud and identity theft. The party has failed to respond to three notices sent back for them to respond and have not responded within the time limit postage mail certified w return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (FL)

Good afternoon. 

On XX/XX/XXXX I started receiving calls and letters from different collection companies trying to collect money to pay debts as result of unpaid accounts which someone else opened using my name as related with the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX without my authorization, It was the result of an Identity theft that I was a victim while I was serving XXXX as XXXX XXXX XXXX. 
The companies from where the letters came from were XXXX XXXX XXXX and XXXX. 
I took care when I found out the issue making a report with XXXX Police Department XXXX, and sending letters to all XXXX Credit Bureaus. 
I informed the companies that I 've never had relation with the mentioned address explaining the issue but them requested from me a lot of papers as copies of Social Security number, Driver License, prove of the last XXXX address where I lived, Bank Statements, etc. I considered the requested absolutely unsafe and unfair, all those papers according with them were needed to prove that I was not the one owing them money '' '' '' '' '' '' Even though in XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX where they informed me about the decision to discontinue collection efforts related with XXXX account, on XX/XX/XXXX I received again another letter and calls from a different company : Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXXThe letter again trying to collect money, it looks that XXXX company is still passing info or selling the debt company by company after almost 2 years since the incident started. 
In the attached documents you can find in page number XXXX the letter from XXXX XXXX closing the case, and in page number XXXX Convergent letter dated on XX/XX/XXXX starting again.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I filed a bankruptcy request in XX/XX/2009. I decided to withdraw the bankruptcy and paid all creditors in full. The records show the bankruptcy request was dismissed XX/XX/2009, which was immediately after filing. 
Both XXXX and XXXX deleted this derogatory info upon request. 
Equifax treats it like a regular bankruptcy and will not delete it. This greatly affects my credit capabilities. I have a stellar payment and credit rating otherwise. 
I have had a statement attached to this negative report, and the person who input it misspelled several words which make me look even worse. 
There is no purpose served by not removing this filing. It was filed prematurely and immediately withdrawn without any adjudication. I need this entry deleted as the other bureaus have done. 
I am a XXXX veteran and I need my clean credit rating. 
This is the only negative on any of the credit bureaus. 
Please help me! 
Thank you.
Consumer complaint received 2023-09-16
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. (NE)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I recently filed a complaint with the CFPB. The company responded by saying that they are not responsible for inaccurate information that is posted about this account to the credit bureaus. The company has verified as Accurate to all three credit bureaus stating that their information is correct. The company also responded to the CFPB, still maintaining their information is accurate despite different information being shown in the credit report. The company furnished information that shows the inaccurate information in their response. Their response shows payments I have made, that are not reflected with any of the credit bureaus. 
I also reached out to XXXX XXXX XXXX, in reference to her inquiry and explained what the issues were on the account. With no response to my response. In the response to CFPB it said she was unable to link up with me. I have attached email showing my reaching out to XXXX XXXX. 
According to the law, I have a right to accurate reporting. 15U.S.C. 1681 s-2 ( A ) ( 1 ), it is
unlawful for a person to furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is incorrect. 

I have made the company and XXXX XXXX XXXX aware of the issues, and yet the company refuses to take action. This is not only unfair but unlawful.
Consumer complaint received 2016-03-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I have a major issue with J P Morgan Chase. I have been using chase for over 7 years including business, person checking and savings accounts. On top of that I have a business Credit card ( which I paid more than {$7000.00} in foreign transaction fees last year ) and XXXX personal credit cards. However, a person sent me XXXX different chase quickpay transactions from XXXX XXXX to XXXX XXXX for me to purchase a product for them, resulting in that person saving money overall. Now, that person claimed that someone without their knowledge logged in their account 6 times from XXXX XXXX to XXXX XXXX and sent me those payments without their knowledge. However, chase send each customer an email with confirmation for each chase quickpay transaction, also on XXXX XXXX XXXX of the payments failed to be funded and that person resent the payment after cornfiimg it was their mistake. 

This person claimed fraud, and because If the investigation I can not submit any evidence from my side, I have contacted chase over 12 times and was given a run around in the branch and over the phone. Today, my account is still frozen, I canny buy my kids groceries, pay my pills, get gas for my car. Chase does n't care about any of that, to them it 's just a process and a procedure, there is no one at the chase branch or over the phone that is willing to explain or give me an opportunity to prove that I am a victim of fraud. 

I hope someone actually reads this.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I am owed a refund of {$670.00} from Mohala. They sent me an email on XX/XX/XXXX stating I was eligible for this refund because they did not give me enough notification before student loan repayments restarted in XX/XX/XXXX. I am eligible for a refund for payments I made in XXXX, XXXX, and XX/XX/XXXX. It has now been five months and I have not received this refund. I submitted a previous, CFPB complaint response was that they would look into seeing whether I was eligible for this refund. That is an unsatisfactory response considering they were the one who emailed me and told me I was eligible for this refund in XX/XX/XXXX. I want my money back. This is criminal.
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been working with Bank of America to do a loan moodification to save my home from foreclosure for almost a year. I have submitted documents over and over to them, via XXXX and they claim to not have received them even though I have sent them in envelopes with lables supplied by BofA and have tracked them and showed they have been delivered to BofA. As of today they said they are moving forward with foreclosure because they said they have not received documents that I have proof via the XXXX tracking label that where received by them. It seems as though they are doing everything to keep me from getting a modification. I have a foreclosure sale date of XXXX/XXXX/2015 and I am not getting any where with BofA. I need help.