davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: N&S Partners (CA)

An employee at my workplace transferred the call to me since they were asking for me using my maiden name, I changed my name 7 years ago, stating they were a process server and they wanted my address. When I talked to this so-called XXXX, she provided me with another number to call ( XXXX ) and a case number XXXX. I asked XXXX for her number and she said she could not disclose it since they get death threats all the time and their number is always blocked. Our phones at work have caller ID, and I pointed out to her that the number showed as ( XXXX ) and she was amazed that it was not blocked and confirmed that was her number. They continued to harass me at my place of work, calling the receptionist and demanded to speak to my supervisor. I then tried calling them back, most of the time they would not respond. When they did respond I told them to stop calling me at work. The last time they answered I was threatened and told they would be sending a wage garnishment to my payroll department at work.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (OH)

On both XX/XX/XXXX and XX/XX/2020 XXXX at XXXX  of Ohio requested a payoff from TCF Bank. Our closing date was on XX/XX/XXXX. There was NO response to her requests. I tried several times as well and there was no answers on any of the numbers leaving me on hold as long as 8 hours until I finally hung up the phone. Not just once but several times different days. 
I sent emails to all of the bank committee members including the president with no response. 
Finally I called the collections dept and did reach XXXX XXXX who tried several times over several days to try to get someone to respond regarding the pay off with NOTHING as well. 
I drove to the local branch and was told there was nothing they could do. 
On Thursday XX/XX/XXXX driving back home from XXXX  from signing our paperwork a XXXX or XXXX called me and in a nasty tone said " Can i help you with something? '' acting as though I did something wrong and she was aggravated she had to pick up a phone and talk to me. DISPICABLE CUSTOMER SERVICE! 
I explained the situation and also explained how XXXX was the only one who I was able to reach on the phone, how he tried to help even though it wasn't his dept. and she chuckled ... .SERIOUSLY? She then said she could see my file and that the payoff would be sent in 1-2 days as it needed another set of eyes, they were short staffed, having to hire people, can't keep up, blah blah, blah. Still no payoff and Barristers finally got through to someone after 3 hour hold time on Friday, XX/XX/XXXX, who told them it would be another 5-7 days  before someone could get to it. I am wracking up interest on this loan that could have been paid off last week. i have sent out more emails this morning and again the only one responding is this XXXX XXXX who said he has done all he can do as no one is responding to him either and that he would try resending his emails he sent last week. XXXX XXXX in the Collections Dept I was also told by XXXX XXXX has been trying to reach someone in regards to my payoff with no response. 
I went onto TCF XXXX XXXX to see if anyone else is having issues and OH MY GOODNESS there are hundreds of complaints! 
I feel as though my hands are tied. My money is being held up because of TCF and interest is building not only on the home loan but the loans that were to be paid off in XXXX ... which is obviously not happening. I have several emails that I have sent out. XXXX at XXXX  of Ohio also can provide her emails sent. 
This bank is poor at best and honestly a bit scary according to other dissatisfied customers on their site. 
I need a payoff immediately. the n

ew owners paid in cash and TCF is holding everyone up for title transfer, my proceeds, realtor commissions, etc. I would like to file a formal complaint against TCF Ba
nk.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (WV)

XXXX XXXX XXXXrviced my conventional mortgage which was paid and closed on XXXX. Upon closing, there was a remaining escrow balance of {$1000.00}. 

On XXXX a check was supposedly sent to me to clear the balance. This would have satisfied the 12 CFR 1024.34 regarding timely escrow payments. I never received this check. 

On XXXX, after reviewing personal documents, it was discovered that the escrow check had not been received/deposited into my account. A call was made to XXXX XXXX and a 60 day work order was submitted to investigate and re-send the check. 

On XXXX, no check had been received and no information had been shared, so a follow-up call was made to XXXX XXXX No new information seemed to be available, so an internal expedited request was submitted. 

On XXXX, no check had been received and no information had been shared to me. At some point along the way, the work order had been re-submitted and check had been re-ordered. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX It was shared that the check had been re-ordered on XXXX and that a check might have been sent on XXXX, but no confirmation could be made available. 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX. During this call, it was indicated that the check had been sent on XXXX and that it should arrive within XXXX business days ( no later than XXXX ). 

On XXXX, no check had been received and no information had been shared to me, so a follow-up call was made to XXXX XXXX During this call, a new expedited request was submitted, but no resolution was reached. I spoke with multiple supervisors and managers. One of which revealed that no actual request had been submitted on XXXX, and there was no evidence of a check ever being cut on XXXX. 

I have yet to receive the escrow check or any tangible information regarding the payment. All along the way, no email, digital communication, direct point of contact, work order ID number, or any other convenient mechanism to track the issue has been made available. When asked how to submit a formal complaint, XXXX XXXX XXXXnvited me to send them snail mail.
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I was approved for 18months forward Mortgage Payments from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I had to file a complaint against my XXXX XXXX XXXX XXXX back in XX/XX/2022 because they were being delinquent in applying payments to my Mortgage per the XXXX award. Within in 24 hours of me filing the complaint payments began posting to my account. On XX/XX/2022 my Loan had been purchased by Newrez LLC. ACCT # XXXX. As of XX/XX/2022 Newrez has no information on the HAF award even though i have sent them the award letter. No XXXX payment has been made. Newrez advised me i have 60 days before i become delinquent. I do not understand why i should have to wait to be delinquent when they must have the Funds. Where would the funds be?
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

I, just today, realized that LVNV Funding is reporting the wrong amount as a negative on my credit report. I was initially contacted by their affiliate ( Resurgence ) demanding {$1700.00}. They fraudulently and falsely claim to the credit bureaus an inflated amount of $ XXXX. This harms my credit and makes it look worse than reality. 

I have no agreement with LVNV funding, whatsoever, let alone XXXX that allows them to charge me in addition to what XXXX XXXX  believes that I owe them. Thus, LVNV Funding CAN NOT claim to credit bureaus that I owe anything over {$1700.00}. 

In addition, the " debt '' is so old that they should not be reporting it at all anymore. This, too, harms my credit and causes me a great deal of damages. I am paying far too much for my car loan and for my credit cards now, as a result. LVNV is the ONLY negative on my report according to XXXX XXXX / XXXX XXXX. Thus, there is no one else to blame for higher interest rates and denied applications.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX and Experian are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Consumer complaint received 2022-12-20
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)

Equifax, XXXX and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX XXXX XXXXXXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Consumer complaint received 2022-12-20
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. (FL)

XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. XXXX, XXXX and Experian are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-03-01
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: Experian Information Solutions Inc. (SC)

In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with XXXX XXXX  and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, XXXXXXXX XXXX reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with XXXXXXXX XXXX on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

XXXXXXXX XXXX removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " XXXX '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " XXXX '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " XXXX '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from XXXXXXXX XXXX stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by XXXXXXXX XXXX
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (AZ)

Good morning my name is XXXX ( XXXX ) about XXXX I attended XXXX and took out loans to pay for my school. Fast forward to now I am currently being garnish by XXXX ( XXXX ) for the past 3years to pay my school loan. XXXXACS ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency XXXX, XXXX, XXXX, U S DEPT OF ED/GSL/ATL, ACS/XXXX are on my credit report with XXXX All are claiming ownership of my loan with XXXX for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2017-09-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tribal Lending Enterprise, Inc. (NV)

I have entered into a debt management program and I had let the company know this by leaving a comment here and leaving a message on their " Contact us " form on their website. I also had my previous funds recovered through my bank ( which was completed the week of XX/XX/XXXX ) because they should not have taken funds out after I had entered into a repayment agreement with XXXX XXXX XXXX ( which was done at the end of XX/XX/XXXX of this year ). 

Since then I have been getting phone calls and emails from them and I recently found out via a call checking site ( I do n't answer numbers I do not recognize ) that they are currently being investigated by the CFPB due to unscrupulous business practices. XXXX : XXXX Now I am not sure that I need to pay back what I owe but I wish the company would stop. I wish I had known earlier that this company is under federal investigation because I would not have done business with them if I had been aware of that.
Consumer complaint received 2024-03-28
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 To Whom It May Concern, I XXXX XXXX, consumer and natural person, am aware of all my rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also States a consumer reporting agency can not furnish an account without my written consent. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
It also States a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, I AM PREPARED FOR LITIGATION Sincerely, XXXX XXXX
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, There are late payments on my credit report. According to law, I am a consumer. Under federal law this violates my rights and should not be placed on my consumer report. 

The list of accounts is in clear violation of the law, XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX has violated my rights. 

15 USC 1681b- Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 USC 1681b ( a ) states - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 USC 1681b ( 2 ) states - In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report. 

CONSUMER REPORT - ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

PERSON - ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

This is against the law to be reporting late payments on my consumer report, please DELETE the above late payment from my consumer report, this agency is in violation of 15 USC 1681 ( 2 ) ( A ) ( i )
Consumer complaint received 2022-12-20
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.