davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 
LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2022-03-14
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. (TX)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX EOS XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I am being denied renting an apartment because of judgement against me. We lost our house and had to move. I needed more time. I didn't realize I could have gotten one more week ( which was the time I got out ) The lawyer of people who bought house gave me until XX/XX/XXXX. My husband died that day. A friend said he called Mr XXXX and explained this and that I was still trying to sell stuff at yard sale. The sheriff had told me I had one more week and that's what I was aiming for, and when I was out.The way I understood what friend was told, was he was sorry to hear this and make sure property was clean. 
I still ended up with a judgement of {$1800.00} plus against me. I had to move to live with my mom and brother in So  XXXX XXXX, CA. I haven't been able to pay this judgement. I have read that even after a judgement is paid, eviction still doesn't come off. I never saw this against me when I looked at credit report. And read that the report that was on there ( and denying me being added on to live with mom and brother ) was that of the mortgage company and getting the house, was going off the record XX/XX/XXXX. This month was the first time I tried to rent only to learn that this judgement is preventing me.
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello and thank you for offering this service, it is nice to know that there is a government entity that provides a place to be heard and hopefully justice kept inline because of it. 

What happened ; In XXXX XXXX XXXX approved me for a 30 year mortgage. I am in excellent standing with XXXX XXXX. 

XX/XX/XXXX I received a notification of assignment, sale or transfer of my mortgage loan to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. 
I don't know what to do with this information. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX I received a letter from Select Portfolio, stating that my loan will now be paid to SPS. Confused by this letter and no warning from XXXX XXXX I speak in person with two XXXX XXXX Mortgage agents, they too are confused and after many phone calls determine that I am to send my mortgage payments to SPS. 
I am upset that XXXX XXXX did not inform me. 

XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement. Confused, I pay. 

XX/XX/XXXX I finally receive a transfer of servicing mortgage loan from XXXX XXXX to Select Portfolio Servicing. 

XX/XX/XXXX Select Portfolio servicing sends me a letter of their payment address. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage bill and statement. Which I pay. 

XX/XX/XXXX I received from XXXX XXXX Mortgage Company, a notice of assignment, sale or transfer of ownership of mortgage loan ; Select Portfolio Servicing. 
I am confused by this letter of yet another possible sale!? 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me my annual escrow account disclosure statement and my new escrow payment amount. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me a notice of servicing transfer. 
Loan now transferred to XXXX XXXX XXXX XXXX. 

Complaint ; My loan was transferred twice almost three times in less than five months! 
Each time requires time and effort in setting up new company to pay. 
Is this legal, of so why? 
How many people are currently experiencing this and what is the intention behind the buying and selling of home loans? 

Thank you for your time and effort. 

- XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roberts Law, LLC (FL)

I received a call from " UNKNOWN '' number. Voicemail left said that documents were refused and to call the firm that hired him within 2 hours. " CALL NOW ''. This person then called family members and left the same message. I called the number back twice. The woman who answered the phone answered with " law office ''. She identified the law firm as " Roberts Law ''. She said she would send an email to the " server '' and tell him not to call anymore. The number I was told was - XXXX.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

XXXX has failed to validate the alleged debt directly to me by failure to provide a true and certified copy of the complete audit trail of said account, audit verification of debt entry in accordance with basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s. I also requested a copy of CARE XXXX XXXX 's Tax Registration Certificate, all of which XXXX XXXX XXXX was unable to provide as stated in their response letter ( see attached letter ). By law under basal XXXX and u.n.c.I.t.r.a.l. conventions, g.a.a.p., and I.f.r.s XXXX XXXX XXXX failed to validate their claim. A copy of XXXX 's response to my debt verification was previously mailed to XXXX, XXXX, and experian, however, your agency continues to allow XXXX to remain on my credit report negatively affecting my credit. XXXX XXXX XXXX is illegally reporting negative on my credit.
Consumer complaint received 2019-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX a duplicate payment for the full payoff was made. I attempted to get the credit card company to return the 2nd payment on several occasions both via phone and email. I was told it was sent, then it would be sent, then when pressed for a check # and issue date was lied to again. I was advised on XX/XX/XXXX via email that the funds were returned ( I have attached ). The following week my account was still showing a credit in the amount of the duplicate payment so I called AGAIN. On that call I was advised it had not been sent so I asked for a manager who flat out lied and told me it was sent after I demanded a check number ( she could not provide ) I demanded to know what day it was sent to she said it had been sent on the XXXX. After several weeks of not getting my money back I filed a complaint with my bank to get my funds back. I have also attached a copy of my transaction history showing it was never reversed until my bank pulled it back on the XXXX. Now the credit card company is charging me a {$25.00} charge for a returned payment when they were holding {$1700.00} of my money when I had a XXXX BALANCE! I should not have to pay a charge because they refused to return money they were not owed and I had to have my bank intervene.
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore was repaid in late XX/XX/XXXX for past due amounts totally {$18000.00}. This repayment included CORPORATE ADVANCES for {$5700.00}. Foreclosure fees of {$410.00}. 
I made my first payment to them in XX/XX/XXXX for XXXX and ask for update payoff in which I received. 
My update payoff included another CORPORATE ADVANCE fee of {$750.00}. 

I am XXXX years old and have this property listed with my realtor in which I DEMAND Rushmore refund me ALL CORPORATE advances due to DODD FRANK rules and REMOVE the XXXX current charge on my payoff.
Consumer complaint received 2019-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (FL)

About a year ago I acquired a debt with XXXX credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with True accord and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the XXXX website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month
Consumer complaint received 2019-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX
Consumer complaint received 2023-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

I applied for my loans to be consolidated in XX/XX/2022. During the wait, I was making payments to XXXX in XX/XX/2022, and XXXX XXXX totaling {$6400.00}. In XXXX, I received a letter stating my loans had been consolidated. However, the payments were not reflected and I received the letter after the appeal deadline to address the incorrect balance. I was told by Aidvantage that they sent over six consolidation payments when I only had five loans in repayment at XXXX ( one loan was paid off in XX/XX/2022 ). However, XXXX claims they received five payments and never received a payment for the loan I paid off. I contacted Aidvantage, XXXX, and XXXX XXXX times over the past three months to inquire why my payments weren't reflected in my current consolidated loan balance. Each time I spoke to each servicer, they informed me it would 30-45 days for the balance to reflect. However, Aidvantage and XXXX do not see any payments I've made and it's been over 45 days. XXXX stated they sent the payments over in XXXX. I only see {$50.00} payments and not anything totaling {$6400.00}. It's been 90 days since my loans were consolidated and my loans have still not been corrected.
Consumer complaint received 2020-02-07
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: JPMORGAN CHASE & CO. (MA)

Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from Chase 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from XXXX  dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with XXXX  as being a Chase account, with also the name XXXX XXXX   attached to it. Now, it is on this report showing no mention of Chase ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report.  Here only XXXX XXXX is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing JPMCB Home Lending!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XX/XX/XXXX. This Chase or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that Chase from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut Chase and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by Chase. On Thursday XX/XX/XXXX I called the resource center ( XXXX ) at XXXX XXXX and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX XXXX does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX XXXX look up also shows XXXX XXXX   has no association with this illegal foreclosure " account '' on my home. Chase attorney also claims to be representing XXXX XXXX ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY CHASE!!!
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On or about XX/XX/2019, an Arbitration award was awarded to XXXX XXXX in the amount of XXXX dollars for breach of contract between XXXX XXXX VS. CONSUMER FINANCIAL PROTECTION BUREAU, BANK OF AMERICA N.A XXXX XXXX and XXXX AND XXXX, attorneys representing BANK OF AMERICA N.A. XXXX XXXX. The property of XXXX XXXX is still being held unlawfully. My credit is still being reported as though nothing happened. I demand my credit be restored! I will now charge XXXX dollars a day until my credit is restored. This will be binding on all parties individually. Copies and proof of mailings will be provided upon request.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am also showing incorrect employers of XXXX XXXX and XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-09-15
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. (IL)

The companies " Trans Union and XXXX  '' continue to report inaccurate information on my credit report. I disputed the inaccurate information correctly and they claim they verified the information. I challenged the information and asked them who verified the inaccurate information? Because it's against the law to report inaccurate information on a credit report.
Consumer complaint received 2019-10-08
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)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

The complaint I previously submitted for Amex XXXX, claiming that they are holding me responsible for {$22000.00} of fraudulent activity on my card ( including late fees and penalties ) APPEARED to be closed and ruled in my favor on XX/XX/XXXX. I received an email from Amex ( attached ) stating that the case was CLOSED and the whole amount ( including fees and penalties ) was returned to my card, which it was. It was only today on XX/XX/XXXX when I received the companies response to my complaint that I read they were 'investigating ' the charges still and in fact, the case was not closed! I am lucky I read it carefully because it appears Amex was covering their own bases by telling both you the CFPB and I, that they have decided to do the right thing and not hold me responsible for the charges. 
This is not true and on the VERY SAME DAY they reopened the case for the FULL AMOUNT under a different case # XXXX. 
The deceitfully did not tell me this, and I had to contact customer service to see what was going on. They do not have any answers except that it is 'still under investigation. ' I did not open this case, they did, and as far as I was aware, my case was CLOSED. 

From the complaint response on XXXX : CFPB XXXX No : XXXX Ref : XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau XXXX We are happy to inform you that we issued credits totaling {$22000.00} for the fraud charges, late fees and interest charges. 
... If we need additional information from you, we will contact you before XX/XX/XXXX, or you may consider this case closed. 

And from Amex on XX/XX/XXXX : Membership Number : XXXX Amex Reference Number : XXXX Dear XXXX XXXX XXXX Thank you for bringing to our attention the unauthorized charge ( s ) on your American Express account XXXX This case has been resolved and is now closed. We are crediting your account for {$22000.00}. This credit will appear on an upcoming statement.