davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form XXXX for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XX/XX/XXXX and XX/XX/XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!
Consumer complaint received 2019-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

This complaint is in regards to a debt that has been on all three of my credit reports since XXXX. 

I have sent countless letters to LVNV Funding, LLC c/o Resurgent Capital Services asking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and LVNV Funding c/o Resurgent Capital Services stating a payment contract for repayment. 

This debt was originally held by XXXX XXXX XXXX. The debt was then sold to several different collection agencies over the past few years before being transferred over to LVNV Funding LLC c/o/ Resurgent Capital Services. I have sent correspondence ( via certified mail ) asking this company to provide me with a written and signed contract. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. 

I have sent letters to this company on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-23
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)

TransUnion Allowed, and authorized an inquiry on XX/XX/2018 for XXXX ( XXXX XXXX ) this is a fraudulent inquiry. I called the fraud victims assistance line. I was then transferred to a fraud specialist which told me he couldnt help me block the fraudulent inquiry from my report even though I stated I didnt authorize it. They also have my police report on file. Additionally the agent was very rude. He said he would transfer me to a supervisor and never did.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: M&T BANK CORPORATION (VA)

On XX/XX/2018, my sister had a XXXX XXXX  her from talking or moving. A power of attorney was granted to me, XXXX XXXX XXXX, XXXX XXXX  in XX/XX/XXXX of that year. The power was notified before my sister had completed the XXXX ( XXXX XXXX ). She was judged to be competent by her physicians. I forwarded this with a request by M & T bank to change the address so that I could pay the account. They refused to honor the power of attorney and would not discuss the reason. My sister was undergoing XXXX treatment and I was personally trying to straighten up her bills. As a result, M & T bank was paid {$3300.00} on XX/XX/2018. M & T bank would not send me a bill or statement. On XX/XX/2018, my sister died and I forwarded M & T Bank a copy of the death certificate and my appointment as Administrator of the Estate. The only bill I could find from M & T bank continued to show a balance and it was repaid again. M & T bank has refused to discuss any dertails of my sister 's account with me despite forwarded their requested information. After 3 phone calls and another forwarding of documents, I finally was asked to personally deliver a copy of the death certificate and my appointment as Administrator. I took pictures of the event. Now two weeks later, M & T bank which has closed the account because I notified them of my sister 's death have collected the debt twice, they still refuse to give me any information, they claim that they hold any excess payments for two months even on closed accounts, and they hold an excess {$2700.00} paying no interest and refuse to add a forwarding address which I have requested. Any excess payments they say will go to the address of the old record, which they will forward to a branch for pick-up should it be returned. The account was in the name of XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, Pa XXXX last four of thye account XXXX. I don't have the complete account number.
Consumer complaint received 2022-03-11
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. (NY)

This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have a loan with CAP1/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAP1/XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CAP1/XXXX with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (CO)

Since acquiring my mortgage about 8 months following bankruptcy, the collection agency refuses to provide me with any form of monthly statements showing payments made, and the amounts posted to principal and interest. In addition, they keep over-charging for the equity loan. Then too, they've apparently refused to provide me with the Federal Form 1098 for interest they've received from me for the first mortgage, but have for the second or equity loan, for both XXXX and XXXX tax years. Have requested, then demanded copies of monthly statements for both accounts yet receive the equity loan statements only.!
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (TN)

This company, Credence, says that I owe them money and that my account is in collections when that its not true. I owed XXXX XXXX XXXX for equipment they CLAIMED they never received. I paid XXXX XXXX XXXX, not this Credence company as I don't owe them anything. I paid XXXX XXXX XXXX  XXXX. Yet this company placed this on my report as a collection and in turn XXXX dropped my scored by XXXX points. I contacted XXXX and they removed it. Yet XXXX has not responded. I showed them proof. I contacted Credence and gave them the proof, although I dont know why I had to do that when it is an XXXX XXXX XXXX  account. So they should be in this complaint as well. Yet, Credence still sent this to the credit bureaus AFTER the fact. This is causing undue stress.
Consumer complaint received 2019-04-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Finco Holding Company LLC (OR)

Starting the DAY a payment is due they start calling that morning leaving a message saying it is urgent I call them. The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in caps, Saying it is urgent to call them when Im usually only a week or two late on the payment. They always say it is urgent to call them on the date the payment is due. 100 % of the time I have the payment by the end of the month to  them is just where the payment plans is a bad payday for me.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX I opened an account with XXXX XXXX to get access to a cash advance. I had begun repayment to this cash advance and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in XXXX XXXX as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached XXXX XXXX on multiple occasions about the error they've made in the management of my account. On my XXXX report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the XXXX XXXX on file at all. On the final credit bureau TransUnion contains a file for XXXX XXXX, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like XXXX suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on XXXX report that isn't replicated and matching to the other XXXX available.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

I have a mortgage with CMG XXXX  and an escrow account for home insurance and taxes on my home. The mortgage is under my name, but the deed has both my and my sister 's names. We each own 50 % of the home. The deed of trust of course has both of our names as the mortgage is for the full value of the house. CMG and their loan servicer, XXXX, failed to pay the entirety of taxes due on the home by the deadline of XX/XX/2021. I gave them notice about 7 days prior to XX/XX/XXXX that it appeared they only paid half of the taxes due ( which were assigned to my account with the taxing agencies ) and not the other half ( assigned to my sister 's account ) when I saw that a significant amount of money remained in escrow. I called approximately 3-4 times that week prior to XX/XX/XXXX and was told over and over that it was the servicer 's mistake and that the outstanding taxes would be paid out of escrow with any penalties/interest accrued on the taxes born by the servicer and NOT taken out of our escrow. I called multiple times because I was concerned no action was being made towards payment and the representatives seemed less than knowledgeable about property taxes. 
When no payments were made, I again began calling the week of XX/XX/XXXX asking about the status of payments. The servicer 's records showed no action taken, and I had to explain to the representative, XXXX XXXX, the entire situation again and send the outstanding tax statements. I was supposed to receive a call back but have not received a call or a response by email. Additional penalties/interest will accrue on the outstanding taxes on XX/XX/2021.
Consumer complaint received 2018-09-16
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. (FL)

I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (GA)

I spoke with account representative XXXX XXXX and told her that I was catching up on my payments because I am unemployed after FAY SERVICING locked me out of access to online bill payment. I could not make my payment so I contacted customer service and she immediately began telling me to apply for loss mitigation etc. I declined this and told her I would do my best to get back on track and asked her several questions about catching the payments up. 

XXXX never told me that I was in danger of foreclosure but instead kept pushing me to a repayment plan which she told me would be due the XXXX of each month and I told her that I knew that I would not have a payment for XXXX ready by the XXXX. and that I would do my best to catch the remaining XXXX payments up and she advised me that once I made XXXX more payment I would be granted access to pay online again. After the conversation I began to make plans to catch up on the XXXX missing payments. 

On XX/XX/XXXX I received the discussed repayment plan in the mail that was completely different than what XXXX told me it would be. She said I would have a payment ever XXXX of the month for 4 months and when I received the paperwork the payment plan was listed as the following : MONTH 1. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} XXXX. XX/XX/XXXX {$1300.00} At the time that I discussed a repayment plan with XXXX XXXX I made it clear that I would not have an XXXX payment ready by the XXXX which I DEFINITELY would not agree to XXXX payments on XX/XX/XXXX and XX/XX/XXXX back to back. This was a deceptive practice to intentionally make me default as of XX/XX/XXXX without truly giving me an opportunity to have a real repayment plan. 

At NO TIME did XXXX XXXX discuss these due dates, she specifically said all payments would be due on the XXXX of the month. She was dishonest.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$780.00} from Creditor : CAINE & WEINER, 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 an account without my written instructions.
Consumer complaint received 2018-09-16
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. (FL)

I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (MA)

To CFPB Re : Pentagon Federal Credit Union XX/XX/2019 I would like to express my concerns over the fact that Pentagon Federal Credit Union ( Pen Fed ) provides different level of service to customer who are are not in the position to communicate with this organization via phone as compared to the level of service they provide to other customers. 

The issue is especially critical when it comes to the ability of customers to exercise their rights related to disputing unauthorized transactions on their accounts. 

In XX/XX/2019 I inquired Pen Fed multiple times regarding their procedure of reporting unauthorized transactions on my credit card. After requesting clarifications from Pen Fed related to some conflicting responses I received from their customer service representatives I was informed that the procedure Pen Fed has for customers to report unauthorized charges is to call in and address this with a Member Service Representative. See Pentagon Federal Credit Union Message Center - requirement to call in to dispute unauthorized charges on the account.pdf attachment containing Pen Feds official response to my requests.

After I requested a written disclosure specifying that the customers must communicate with Pen Feds representatives via phone I received even more disappointing response informing me that Pen Fed refuses to communicate with me via written messages and specifies the reason for that as a supervisor has attempted to reach out to you in order to resolve your concerns, however they were unsuccessful in reaching you at that time. Please provide a good phone number and time, and we will do our best to attempt to reach you via phone once more. See Pentagon Federal Credit Union Message Center - refusing to assist since supervisor was not able to reach by phone.pdf attachment for Pen Feds response.

Finally, I mailed a couple of letters to Pen Feds mailing addresses disclosed on their website. Copies of them are attached as penfed dispute 2019XXXX.pdf and penfed dispute 2019XXXX.pdf. In XX/XX/2019 I asked PenFed whether they have received my letters mailed to them via USPS and PenFeds response included in the attachment Pentagon Federal Credit Union Message Center - Non receipt of postal correspondence.pdf indicated that the organization is not tracking customers mailed correspondence well or otherwise does not pay attention to the incoming mail.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have contacted account resolution services a couple of times in the last month and on XX/XX/2022 to have my debt verified. I have also sent out a debt validation letter on XXXXEach time I have contacted I'm presented with a service for a fee to dispute the debt which is not what I am asking for. I've been trying to have the debt information verified once it is a valid debt I wanted to proceed with making a payment for deletion. I have not been successful upon doing so. I just want to move forward.
Consumer complaint received 2019-04-01
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. (OH)

I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX