davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

We were current prior to covid, We were affected by covid. 
XXXX XXXX were reviewing us for streamline mod, flex modification. It was in review for 30 days and said they would have a final decision prior to transfer because it would be within 30 days. They transfer the file to Fay servicing And they asked for a full modification package. 
I asked why they said it was bought by another investor. 
We submitted everything and then they said were not eligible for modification just foreclosure. 
I reviewed several complaints on this company. 
We make enough to make payments and need our home.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

As soon as i missed one payment from XXXXXXXX XXXX they started calling me and harassing me. 
They will call every single day 3-6 times a day. 
I have blocked so many numbers. 
It either comes up as XXXXXXXX XXXX Or Midland Credit or they will use a local number thinking  ill answer. 
I have blocked a ton of their numbers they still find a way to harass me. I have answered telling them to stop calling me and leave me alone they hung up and still call. They will not leave me alone. This is absurd i have way more documents showing how often they call. Its ridiculous. There is no reason to call someone so much.
Consumer complaint received 2019-12-27
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. (TX)

I have not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

We completed a home equity loan with XXXX XXXX XXXX to consolidate our debt because like most the pandemic hurt us financially. Two of the items in the consolidation was a XXXX retail credit card and a XXXX XXXX XXXX credit card both are backed by Comenity Bank. Both checks were sent to Comenity and both were cashed successfully on XX/XX/2022 and one check was applied correctly to the XXXX card so that is paid off. Our XXXX XXXX XXXX card was paid with check # XXXX for the amount of {$3400.00} and per confirmation of XXXX the back of the check was endorsed with the stamp for Comenity bank. The check was referenced to my name and my card number. Actions taken have been I have sent two secured messages and neither were helpful and had nothing to do with my concern. I replied a follow-up and have not heard back. I have called 5 to 7 times no joke and I either get told someone doesnt know, I get hung up on when they transfer me. Or they are just plain rude. I was told that it would be 48 hours to show, didnt happen, then I was told 10 to 15 days, didnt happen, inconsistent. My last call on Tuesday XX/XX/2022 they setup and investigation that can take 30 days but they said I still owed them a monthly payment or fees and interest would be assessed, so I made that today XX/XX/2022 because they couldnt help me. I wasnt given any case number or confirmation they just said they would communicate through mail, they didnt even verify they have the right address on file or anything. I need this money found because my home equity kicks in soon and I have to start paying that and cant afford both payments.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX & Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right 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 instructions.
Consumer complaint received 2019-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

After their last response, I contacted Rushmore AGAIN. Every single Rushmore agent, including the one I spoke with minutes ago on XX/XX/2019 at XXXX XXXX PT stated that borrowers monthly escrow deposits and analyses are based on the most current tax bill paid. They just paid my annual tax bill in XX/XX/2019. XXXX XXXX assessed the property and that is the actual bill that Rushmore received and paid. My taxes are paid one time per year. The higher amount of {$4500.00} ( instead of the actual annual due of {$2500.00} ) that was estimated at closing was something made up by the lender not based in fact that I can find anywhere and I should not be subject to this fiction. Further, I was told that this would change as soon as the county actually assessed the property which they did. Aside from the first response to my CFPB complaint, Rushmore has failed to EVER tell me they require anything besides the last official tax bill to estimate and analyze tax escrow payments on an account. EVEN TODAY their phone rep said they had it wrong and need to re-analyze the account because they could see the bill and were charging wrong. Every single representative knew that the property had new construction on it, even the rep today, and they said they got it wrong and needed to re-analyze Because the latest actual bill is what determines upcoming monthly escrow deposits and they had that bill. Knowingly over collecting for escrow is a RESPA violation and knowingly requiring inflated payments is a TILA violation.
Consumer complaint received 2019-12-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Veripro Solutions Inc. (DC)

Good Evening Mr. XXXX XXXX, According to the recorded conversation this evening, XX/XX/2019, Veripro Solution decline electronic payment of {$6200.00}. 
I am disputing this debt, ( interest ) Veripro Solution did not provide a balance due until XX/XX/2019due to policy which has not been shared and as result the new owner has enforced interest. 

I would appreciate a letter from Veripro Solution stipulating policy below ; " That is because it is our policy that we dont issue statements unless there is a promise to pay. This reduces the amount of unnecessary paper being sent to our customers. We do not provide policies in writing to our customers, hence why you do not see it there on the document ''. 


Thanks XXXX XXXX XXXX. 

I met the terms of 12months payment, with a $ XXXX credit, however Veripro Solution In.c refuse to provide me my new balance for future payments until XX/XX/2019, due a policy. I've asked several times for the policy to be shared, it never was, with new owner. 
Debt clock has reset, enforced interest rate, and lien on home.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validility of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Consumer complaint received 2018-05-28
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. (MO)

I've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX  '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX XXXX 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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in XXXX days. 
This is not acceptable. Under the Fair Credit Reporting Act, the CRA has a certain amount of timegenerally XXXX days but up to XXXX days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, XXXX days, is not acceptable according to the XXXX Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, XXXX days, is the maximum allowable time frame, from the date which dispute was received.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was reviewing my credit card statements for the year closely and noticed that I have been charged interest 6 times in XXXX when my balance was not paid in full only twice. When I called Capital One to discuss this with them, they told me that it takes two full months of the balance being paid in full before they stop charging interest. 

She explained it to me like this : If in XXXX, I owe {$500.00} and pay off {$400.00} carrying {$100.00} over to the next cycle where I incur {$300.00} more plus a {$10.00} interest fee for XXXX but pay in full the now balance of {$410.00}, I will also carry an interest charge to the next month. She told me it takes two months in a row of paid-in-full payments to cancel out interest charges. This sounds to me like double-cycle billing, a practice that was outlawed with the Credit Card Accountability, Responsibility and Disclosure Act of 2009. 15 U.S.C. 1637 ( j ) ( " Except as provided in paragraph ( 2 ), a creditor may not impose any finance charge on a credit card account under an open-end consumer credit plan as a result of the loss of any time period provided by the creditor within which the obligor may repay any portion of the credit extended without incurring a finance charge, with respect to ( A ) any balances for days in billing cycles that precede the most recent billing cycle ; or ( B ) any balances or portions thereof in the current billing cycle that were repaid within such time period.

( 2 ) ExceptionsParagraph ( 1 ) does not apply to ( A ) any adjustment to a finance charge as a result of the resolution of a dispute ; or ( B ) any adjustment to a finance charge as a result of the return of a payment for insufficient funds. ) Since my payments are not a result of any adjustments to finances charges from insufficient funds or arising following a dispute, the practice of charging me interest twice on the same money violates this law and I would like my money refunded, their practices investigated, and this behavior to be stopped going forward. 

Thank you for your time.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Online XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX accordance with the Fair Credit Reporting act XXXXt 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/2019 I made a payment through my Capital One mobile app for {$1300.00}. When slid the bar to make my payment I received a pop up window with a message that said weve encountered a snag. I closed that window and returned to the main window to see if the {$1300.00} was processing or a scheduled payment. At that time it showed no payment scheduled or pending. left the app and then logged back in and still showed no payment scheduled. So I decided to make a {$10.00} payment to see if that payment would show up in the schedule payment window. The {$10.00} did show up in the payment scheduled window on the mobile app. I decided then to go and do another payment for {$1100.00}. That payment also showed up in the scheduled payments. To re-cap A payment of {$10.00} and a payment of {$1100.00} appeared as scheduled payments no payment ever showed in the window yesterday for {$1300.00}. When I logged in today ( XX/XX/XXXX ) it shows me payments processing ... one for {$1300.00} one for {$10.00} and one for {$1100.00}. I called capital one customer service and requested that they stop the {$1300.00} scheduled payment. Two people directly told me that they could not stop the payment as it is processing and unfortunately I may get a NSF charge from my deposit bank, XXXX   XXXX XXXX. My complaint is- at no time was I told that due to their error if I am charged a fee by XXXX  XXXX XXXX to call them back to offset any fees due to their system error. I find this practice a violation of NACHA and Regulation E. I have a screen shot from last evening that showed only two payments were pending, Giving the consumer information that is unfair and deceptive ( UDAAP ). I have called XXXX XXXX XXXX to request an ACH stop payment but there is not a guarantee that the payment will be stopped for {$1300.00}.
Consumer complaint received 2019-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Attention Consumer Financial Protection Bureau, My husband and I were looking into refinancing our home through XXXX XXXX  XXXX. On Tuesday, XX/XX/XXXX we found out that there was a lien put on our mortgage. We did not know about, nor were informed about this lien. The original mortgage was created in XXXX for {$250000.00} with XXXX XXXX  and was assigned to XXXX XXXX and that mortgage was discharged on XX/XX/XXXX. In XX/XX/XXXX we refinanced with XXXX XXXX. XXXX XXXX assigned our mortgage to Bank of America on XX/XX/XXXX. On XX/XX/XXXX Bank of America created an FHA Partial HUD lien on our home for {$53000.00}. They had only owned our mortgage for a month from XXXX XXXX. We did not borrow money in XXXX or XXXX against our home. We do not know why we would have a lien put on property after 30 days on an amount we already paid. 
The other concerns that we have are the signatures for the lien and modifications. All the signatures are from XX/XX/XXXX when we signed paperwork for XXXX XXXX  NOT for Bank of America. 
The second issue is with the two modifications dated XX/XX/XXXX and XX/XX/XXXX. The signatures are also from XX/XX/XXXX. Once again, these signatures were before Bank of America owned our mortgage. The other concern we have is after the signature pages are notaries from Colorado and Texas that we were not present nor met to acknowledge this modification. 
My husband and we were behind on our payments during the Summer of XXXX. However, Bank of America set up our payments to be added to the end of the mortgage was in the amount of {$9700.00}. Bank of America assigned our mortgage to XXXX XXXX on XX/XX/XXXX. The deferred balance shows on our monthly mortgage statement. This modification was the only part of the mortgage we agreed to. The mortgage assignment also shows XXXX XXXX XXXX XXXX Attorney did not do their job. Since there is a lien on the property and not noted. Please investigate the entire situation and look into questionable issues and actions regarding these individuals, notaries and institutions regarding these changes. Please keep us in your investigation loop. Thank you. We are appalled that our signatures were used in such a questionable way. We would also like to see a " wet copy '' of our mortgage. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX  XXXX # XXXX - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX # XXXX - has violated my rights UNAUTHORIZED INQUIRY : XXXX XX/XX/- 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NJ)

Hello- Last year I was struggling financially. In XX/XX/2018 I applied for a mortgage modification. In XX/XX/2018 I received a letter from an attorney stating that my home was in foreclosure process. NOT THAT IT WAS IN FORECLOSURE but that the process had started and that was my notification of what was happening. I was very confused because the mortgage modification was supposed to help me. 

I wrote the attorney and asked for an explanation and disputed the debt because of the modification. They responded and said that the file was " on hold '' due to the modification process. 

Fast forward a few months and I made my trial payments on time. I get approved for the final modification but the attorney is saying the Mortgage company told them to keep the file open. The file is not closed but rather open and I am being reported as foreclosure to the credit bureaus. ( See Attachment from XXXX ) XXXX is reporting me as having a foreclosure. 

The FACT is that I NEVER went to the FORECLOSURE process. I tried to fix my situation before it got to that point. I am not disputing I had trouble paying my mortagage but I tried to remedy the situation and I am being penalized. 

I was told by a Loancare representative XXXX XXXX that once the modification went through the loan would be reporting as current and that it would never say foreclosure. I was also told that it might even erase some of the late payments dating back to when I started making the trial payments. I never was scheduled for a sheriff 's sale or even given a date. 

Attachements are letter from attorney and XXXX letter declining me from a business credit card. 

As an AMerican who is a XXXX I want to be given a fair shot and I think that this is a violation of the Fair Credit Reporting Act.