davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (CA)

NOVAD Management Consulting is the servicer for my FHA-insured Home Equity Conversion Mortgage ( HECM ) reverse mortgage that has been assigned to HUD. NOVAD stopped sending me Monthly Statements beginning XX/XX/XXXX thru present date without explanation. For a year and a half the servicer has left me in the dark about my own mortgage. My inquiries were never answered. NOVAD is unreachable by phone & do not reply or respond to my mailed written correspondence. All questions are ignored & left unanswered. I requested the backlog of missing monthly statements & they refuse to provide telling me my HECM went into default back in XX/XX/XXXX and statements are withheld until the default is cured. That is absurd. I was never notified regarding any default. I dispute the amount NOVD is requesting & asked for an itemized accounting. They have refused that request too telling me I should ask somebody else. I discovered an unexplained charge on a statement, they refuse to identify it. NOVAD is not qualified to be a mortgage servicer for HUD. in XX/XX/XXXX the state of Nevada served NOVAD with a Cease & Desist Order for mortgage servicing without a license. There are numerous complaints about NOVAD on the internet. Get me my missing statements please.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX  XXXX Balance {$16000.00} XXXX  XXXX Balance {$1800.00}
Consumer complaint received 2022-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (AL)

On XXXX XXXX I tried contacting the creditor to advise it was a problem with the site and my payment was not being accepted. I ask them not to report the late payment they agreed but when I looked on my account they reported the late payment and it dropped my score significantly.
Consumer complaint received 2021-03-08
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. (PA)

I have sent three letters to the bureaus requesting that they update the status on my accounts. I sent letters on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and it has been over 3 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be updated to no payment required immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder. Please review my letters and update my accounts
Consumer complaint received 2020-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

Home Point Financial has been delaying giving my escrow money back after I paid off my Mortgage. They are holding back almost {$5000.00} of my money and wont give it back! They have told me they mailed it weeks ago and I still havent received my escrow refund. I think someone at this company has embezzled my escrow funds! This is the second time I am asking for help in getting my reimbursement back.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX XXXX  XXXX placed a fraudulent account wich reported on my credit report profile 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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 concimelam demanding the deletion of the
Consumer complaint received 2023-06-24
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. (PA)

In Accordance with the Fair Credit Reporting Act ( FCRA ) The Following Accounts Has Violated My Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file.

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 instruction.
Consumer complaint received 2022-08-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Today, I am sending my second request to three Credit Bureaus about the information they reported in my credit file that are seems to be an error or a fraud. In regards with this, I am asking for your help to remove those items which are fraud and these items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (TN)

XX/XX/XXXX-XX/XX/XXXX- US Bank trying to pass an XXXX charge to XXXX   XXXX when the charges were never reflected to present time XX/XX/XXXX to be repaid. Nor reflected for IRS as Escrow is. The Mortgage dept at US Bank failed to give me appropriate time to pay, never reflected in on-line statement each month for repay, nor in letter closing the mortgage in XX/XX/XXXX stating my new monthly payment with XXXX- nothing more.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (FL)

I have no bankruptcy on file but every time a company denies me it is because of bankruptcy. My credit report shows " Hurting your credit score There is a bankruptcy on your credit report '' In another part of my report it shows " Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score.

You currently have no bankruptcies on your credit file.

If you recently had a bankruptcy, it could take a couple months to populate to your credit report. ''
Consumer complaint received 2019-01-18
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 ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. 

CAN'T SAY THE SAME ABOUT TRANSUNION. 

I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.
Consumer complaint received 2019-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

On XX/XX/2018, I called XXXX to inquire about the process to resolve a miscalculation of my payment amount. I had submitted recertification documentation approximately one month earlier, and my loan repayment amount had increased by over 90 % without a corresponding increase in income. I believed then, and believe now, that this was an error. 

During the course of my call to XXXX, I spoke with three separate customer service agents that were unsure of how to help me. I was advised by each of these service agents to upload a letter to my account explaining the situation and why I believed there was mistake. I did so in detail, and received notice that XXXX had received my correspondence on XX/XX/2018. 

In my letter, I cited the published formula used to determine repayment amounts, and included extensive documentation about my household finances. I requested adjustment to my repayment amount, and -- if denied -- I requested a brief explanation as to the math being used to arrive at the figure and/or an explanation as to the reason for the rejection of my request. 

At this point, XXXX has not adjusted my repayment amount, and I have received no response or explanation whatsoever. It has been 4 weeks, which seems like a reasonable window for some sort of a response. ( I followed up with XXXX on XX/XX/XXXX, again requesting a resolution to the issue -- I did not  receive a response to that inqury either. )
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NC)

During the last week of XX/XX/2018, I sold my house which was financed by Selene Finance. By the second week of XX/XX/XXXX, I realized that I had not received the refund from my escrow account with Selene which amounted to a little over {$1100.00}. On XX/XX/2018, I called Selene Financial  and was told the check was sent to the attorney representing the buyer of my house. This was incorrect and the check had obviously not been cashed. Selene agreed to stop payment and then issue a new check to me to be mailed to my new address. They have repeatedly given me false information when I have called to inquire such as it will be mailed within 18 business days but as of yesterday, no check has been issued. The money was returned to my escrow with no check issued to me. The only reason given is that it is being processed and no one can tell me when I will be sent the check. I have talked to a supervisor who did not resolve the problem. According to Selene, I have no choice but to wait until the company decides to send me a check.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MI)

Venmo froze my Venmo account without notification. When an inquiry was made ( several times ) asking Venmo for the reason for the account being frozen, Venmo said we don't know why, it's automated. 

The account was promised to be reactivated within 7 days and it is still deactivated/frozen with funds held in the account.
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

So I get this lady pounding on my door so I didnt answer it. The. 5 minutes later pounding again so I opened and said hello she attempted to hand me some papers dropped them and said are you mr blank blank and was gone before I could say a thing so I picked papers up off the ground and apparently they are suing me for XXXX and I must show up before the XXXX. Th in this court Im so lost and have no idea what is going on I know there was a debt I dont believe the amount is correct but I have no clue who the lady was and to be repeatedly pounding on my apartment door at XXXX then again at XXXX is ridiculous. Then drop the papers and run away.
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (NY)

As per complaints : XXXX where you stated ALL COLLECTIONS WILL BE REMOVED FROM CREDIT REPORT, Complaint : XXXX where u state you will no longer persue collections, I NEED COMPANY TO PROVIDE CLARITY - WHEN WILL THEY BE DELETED??????? 

1 ) this is one account is from over 10+, almost 13 years ago and and can not be placed in credit report. It has been closed since then. so your documents provided are irrelevant and recent dates are frivolous 2 ) it is ILLEGAL to reset dates on account to reflect recent activity, add multiple accounts, and manufacture new dates as to cheat statute in order to collect. 

Companies recent claim is that they will no longer persue collections said language is UNCLEAR,  however. They were never supposed to put accounts on credit report as multiple accounts and fake dates in the first place. 
I need WRITTEN CLARITY THAT THESE ( All ) will be deleted from credit report as per Company response in first complaint. Why are they multiple accounts on report in first place with varying dates. Also, company submits account from XX/XX/2006 OVER 13+ years ago. Second document of fees is fraudulent, as account has been closed over 10 years. 

So, as per you first response, I AM STILL WAITING FOR ALL ITEMS TO BE REMOVED FROM CREDIT. YOU HAVE ONLY REMOVED ONE. 

PLEASE CLARIFY YOUR LANGUAGE IN RECENT RESPONSE AND BE EXACT AS TO YOUR RESPONSE. I AM SIMPLY ASKING YOU TO DO WHAT YOU SAID YOU WOULD DO IN FIRST COMPLAINT SUBMITTED IN XX/XX/XXXX. 
I WILL CONTINUE TO PERSUE ALL AND ANY AVENUE UNTIL THIS HAS BEEN RIGHTFULLY RESOLVED. I HAVE BEEN WAITING PATIENTLY AND STILL GOING BACK AND FORTH UNBELIEVABLE. 

Its illegal for company to try and cheat statutes in order to force collection.YOU KNOW THIS
Consumer complaint received 2022-08-27
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. (CA)

I have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My previous complaint filled on XX/XX/XXXX was closed by Bank of america, as they claimed that it is not an authorized claim. They did leave message to me on my phone, and give me call back number, and extension, however, I have called back at least 6 times, it always go to voicemail directly, so we didn ; t get chance to discussion over the phone. Instead responding to me through other way, they decided to claim I am not the cardholder and closed the case. How can they do that?! My previous claim number was XXXX The complaint is : I have BankAmericard Better Balance Rewards Visa Platinum Plus account with bank of america. The card features {$25.00} dollars statement credit each quarter if I make payment more than min due. I was told that even I don't have a min due ( meaning min due is XXXX dollar ), as long as I make a payment, then I would qualify to get XXXX dollars each quarter. I have set up monthly payment, and the last {$25.00} rewards I got was on my XX/XX/XXXX statement, which should be for XXXX XX/XX/XXXX. That means I didn't get ANY rewards for my XX/XX/XXXX activities.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.