davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
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: Resurgent Capital Services L.P. (GA)

About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX  confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX XXXX XXXX XXXX. The debt that was deleted was LVNV Funding LLC. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX XXXX XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( LVNV Funding LLC ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted XXXX XXXX XXXX, XXXX, EQUIFAX, AND XXXX in regards to account name : XXXX XXXX XXXX account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were 7 errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with XXXX, EQUIFAX, AND XXXX are showing inaccurate and differently. I have attached to this dispute my credit report with the 3 above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit report I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

The following dispute was completed on XX/XX/2019 by experian for the following account XXXX XXXX Account # XXXX ... Experian deleted this account and added another account with showing : XXXX/ XXXX XXXX with the same account information as the account deleted. I have no knowledge of this account belonging to me.
Consumer complaint received 2022-05-20
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. (TX)

This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXX Account XXXX # XXXX
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (TX)

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$900.00} written off. 

FCRA violations : payment never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

This is a second Case Opened based on a recently Closed Case : XXXX XXXX XXXX XXXX XXXX over our Loan Servicing in XXXX. At that time we had an Interest Only rate that the previous Mortgage Company ( XXXX ) had modified for us to a 1.75 % interest Only rate. 

in XXXX The Rate was supposed to adjust ( Although we were unaware that it became a 5 yr ARM as the original Loan was a 10Yr arm ). we signed a temporary Rate adjustment while our Youngest son was undergoing XXXX XXXX ( He XXXX XXXX in XXXX ). During this time of the adjustment my wife and I were separated physically because our son was hospitalized and I was the only one that signed the document, We went to Sale our Home in XXXX and during this process I reached out to Ocwen to see what the Interest Rate was and was told it remained at the adjusted Lower rate. All the online statements stated this fact and all the statements we continued to receive in the mail stated this, we were never notified of an adjustment and everything we saw or received stated the same ( The 1.75 % rate did not change ). I just had assumed it was through the 10 yr period which the original Interest only Loan was set at which would have expired in XXXX. 

Had we been told the rate was adjusting to a new higher Rate back in XXXX we would have sold the home at that time or refinanced the home. 

2 Months ago we received a notification that the rate was going to adjust in XXXX XXXX so we took steps to sell the home ( And sold-Closed Escrow in XXXX XXXX ). Just prior to closing escrow we received a document from Ocwen stating we owed for XXXX XXXX yrs of unpaid interest ( That we were never notified about until just recently ). This amount is around $ 140k. 

Had we been made aware of this way back in XXXX we would have taken much different steps with this home. Because of this we are not only losing our life savings we originally put into this home but we now can not afford to buy a home in the city we live in. 

I noticed a Judgement against Ocwen in XXXX XXXX by XXXX regarding Ocwen 's incorrect statements for its customers? This is the primary reason we are in this mess right now. They admitted the Systems issues and stated they made mistakes on their end. There has got to be some sort of way to resolve this and not put the entire blame/burden on us the consumer. 

I 'm not denying that I signed a temporary rate decrease by the previous Mortgage company that managed our loan. This was done out of the graciousness of XXXX 's Management and we were entirely grateful. My primary complaint is we trusted the information that we were being provided and made decisions based on that information we were given to us by Ocwen for a XXXX XXXX yr period ( Of online statements and Verbally over the phone ). they must have some sort of responsibility in this. Our family and finances are devastated by this. 

I have online transaction history, phone records, etc .... that shows all the correspondence on this matter.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

Loan Company / Loan Care - XXXX I have been a customer for several years. All of a sudden, the company stopped taking my autodraft payment every 2 weeks. After several months of long conversations with various billing department employees, I was charged an additional {$43.00} to Re-Enroll my account. This has never fixed the problem. 
I am attaching below all of the dates and times spent on the phone with this company on my part to try and resolve this issue without any success. 
In short, each month I have to call them and make over the phone payments. I can not ever get anyone to call me back to fix this issue. I just want them to take the payment via Autodraft and get this issue fixed!
Consumer complaint received 2021-11-15
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. (GA)

TransUnion You are reporting incorrect information to my credit report for the following account from POSSIBLE FINANCIAL you are reporting a monthly payment on a closed account PLEASE DELETE ACCOUNT IMMEDIATELY proof will be attached below
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (TX)

I do not have no knowledge of account, I have sent them written disputes to remove this fraudulent debt but continue to report this on my credit report and severely damaging my credit status. I would like this permanently removed.
Consumer complaint received 2022-10-13
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. (PA)

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc. (FL)

XX/XX/XXXX and XX/XX/XXXX I have a XXXX XXXX XXXX, within the last 2 years I had a XXXX XXXX, XXXX XXXX in XXXX XXXX  and a total of over 6 hospital stays due to this condition. 
I was in the hospital on XX/XX/XXXX and my brother notified them when they called that I was in the hospital for a XXXX XXXX. They continued to call my cell phone over 8 more times on XX/XX/XXXX knowing I was in the hospital. 
On XX/XX/XXXX my brother answered my iphone and told them again I was in the hospital and they continueed to call me knowing that I was in the hospital for a XXXX XXXX They are also charging me more than what is owed. 
In previous communications I made a payment arrangement with their employee XXXX XXXX in believe that is his name and they tried to charge my checking account on an earlier date then XXXX agreed to. I then made another payment arrangement with them via XXXX and again they tried to charge my checking account prior to the agrred upon date. XXXX or XXXX XXXX a supervisor was extremely rude and said their was no such payment arrangement on file.Asked him to check with XXXX and he becaming insulting
Consumer complaint received 2021-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I am on a Forbearance plan with Loancare and my regular payments, according to their " Office of the Customer '' should restart on XX/XX/XXXX. 
I am trying for weeks to reach this Office of the customer and called there at least 35 times. I think this is just a made up Office that doesn't even exist, because all I ever receive is a voicemail, stating the office is closed. I left numerous messages, asking for a call back-NOTHING!

I also received threatening letters from Loancare, stating my loan is in default, which is a lie.

I don't know what to do anymore and I am in fear to loose my home.

All I need is that Loancare sends me the, so called Deferment Package for me to sign and state that my next payment is due on XX/XX/XXXX. 
In 7 letters from loancare i received they could not confirm that. 
I want to get my loan current and begin payments again on XX/XX/XXXX when my Forbearance plan ends. 
Where is my Deferment Package to sign?? 
If i call their " Customer Service '', they have no idea what I am talking about, transfer me to the Bankruptcy Department or let me wait in line for hours until I hang up. Right at this moment I am waiting in their holding line for 68 minutes. I need this issue resolved. CFBP should initiate legal steps against Loancare because of their unserious business practices.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MN)

In the first quarter of 2019 I made a large payment by check to Roundpoint mortgage. My mortgage is {$680.00}. The payment I made was for over {$3000.00}. When I sent it in I checked the box to apply the over payment to my principle. 

After receiving my next payment coupon I noticed that they did not do that. They applied my over payment to my next months payment and to escrow. I called to change it and was told that because I sent it in as a check instead of paying it on line they can not guarantee that the money will be applied as I wish. 

It is the second time that this has happened with this mortgage company and both times I called in to get it corrected. I am figuring they are grabbing extra interest from me and putting my money ( and possibly others ) into another pot to make money on that. 

No where on the coupon does it tell me that my over payment will not be applied as I wish.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (NC)

Chime bank offered promotion bonus of {$200.00} with the promotion code XXXX on social media XXXX for opening a new checking account for the new customers. 

I opened up the account through the offer posted on XXXX and met all the criteria which was to have a direct deposit of {$200.00} within 60 days. 

Chime is not crediting my checking promotion bonus to the checking account I opened as advertised. 

Chime is following malpractices in financial industry and should be penalized.
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (TN)

In XXXX I asked for {$400.00} loan and the girl insisted she gave me {$1100.00} I told her I did not need this amount she said you can give it back what you do not use. I paid XXXX payment of {$220.00} and today asked for a payoff and was told it would be {$1300.00} does that not mean I am charged {$540.00} interest for 2 months PLEASE ADVISE THANKS XXXX XXXX
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (OH)

Amongst other things Santander Consumer U.S.A. incorrectly reported my credit information to the credit bureau damaging my credit and delaying my home purchase in Colorado due to the destruction of my credit rating. Once the problem was identified Santander Consumer U.S.A. failed to submit the correct information to the credit bureau and refused to provide a simple email to mitigate my losses due to the inability to relocate. Santander Consumer U.S.A. routinely forwarded any over payments above the required payment amount to the next month reducing the next payment enabling them to continue to charge daily interest against principal monies I had already paid. Santander Consumer U.S.A. performed collection actions against me using auto-dialers that would call me up to five times a day beginning sometimes before my payments were even due on the XXXX of each month. Santander Consumer U.S.A identifies itself as a collection agency. and charged me " speed-pay '' charges in the amount of {$10.00} for each and every telephone payment I made in a cooperative arrangement with XXXX XXXX for a period of no less than 7 years. By charging these collection fees Santander received violation of the Fair Credit Collections Practices Act and the Telephone Consumer Protections Act. When I complained to both the CFPB and disputed the information provided by Santander to the credit reporting agencies, Santander provided misleading financial summaries and made disparaging statements about me to discredit my claims of illegal and deceptive business practices. Please refer to my first complaint # XXXX. Please review the attached documents, and letter explaining in the detail the damages caused to me by this corporation. I have also forwarded a copy of my earlier complaint to the CFPB and copies of the letter attached in an simultaneous consumer complaint to the Ohio State Attorney General XXXX XXXX for his assistance in this matter.
Consumer complaint received 2022-05-18
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)

I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports pursuant to 15 U.S. Code 1692c ( c ).

Failure to comply will result in fines. Best regards.
Consumer complaint received 2021-11-15
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)

This complaint is in reference to complaint ID # XXXX. 

Transunion did not fix the issue at hand. You closed my last complaint stating authorization was needed. My name is XXXX XXXX XXXX, DOB XX/XX/XXXX SSN # XXXX, Address XXXX XXXX XXXX XXXX FL XXXX, Telephone Number # XXXX. Thats all the verification you should need and I will attached my drivers licenses as well. 

I am filing another complaint because Transunion is advising that they verified this alleged Bankruptcy Chapter XXXX Docket # XXXX with XXXX XXXX XXXX Bankruptcy Court onXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ireceived a signedletter dated XX/XX/XXXX from XXXX Bankruptcy Court XXXX XXXX of Florida where I reside, advising me that they DO NOT verify or report bankruptcy filings to the credit bureaus or third party data furnisher agencies. Transunion sent me a letter dated XX/XX/XXXX, File Number # XXXX continuing to LIE andstate this allegedbankruptcy was verified by the courts, without sending me any documentation or PROOF of an actual investigation. You've asked me to provideproof well today is your lucky day!!! 

I have attached a signed letter that I received directly from The U.S Bankruptcy Court XXXX XXXX of Florida for your review. 
DELETED this unverifiable, invalid, inaccurate bankruptcy from my credit report or I will file litigation immediately! 

In addition, TheU.S Bankruptcy Court XXXX XXXX of Florida also advised me that TheFair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit-reporting agencies. 
After I did some additionalresearchPer the FCRA it states that the XXXX and XXXX XXXXverifying this information is not recognized as proper validation. 

Please send me an updated copy of my report once the bankruptcy is DELETED!