davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (MI)

I refinanced a loan from Roundpoint to XXXX XXXX XXXX XXXX bought out Roundpoint so, effectively, they are the same company/entity. 

The payoff quote was pulled on XX/XX/XXXX and that is what they based the loan on - the balance on XX/XX/XXXX was {$210000.00}. The loan was to close mid XXXX so I I made a payment to Roundpoint for XXXX in the amount of {$1400.00} that posted on XX/XX/XXXX - the day after the payoff quote was pulled. As such, that payment was never applied to the new loan nor refunded to me. 

Roundpoint owes me that XXXX payment back. 

In addition to the missing payment, they have added on {$1600.00} in interest to the loan amount. 

On XX/XX/XXXX, the balance on the Roundpoint account was {$210000.00}. Interest of {$1000.00} was added into the loan amount bringing the total to {$210000.00}. This amounts XXXX for XXXX days they will not provide the dates this interest is for? 

In addition to the interest included in the payoff amount of {$1000.00} XXXX as shown above ), there is additional interest of {$370.00} added at $ XXXX, bringing the loan total from {$210000.00} to {$210000.00}. This amounts to XXXX days - they will not provide the period/dates this is for. 

In addition to the interest included above XXXX {$1000.00} and {$370.00} XXXX, I am paying additional interest on the new loan at $ XXXX from XX/XX/XXXX - XX/XX/XXXX totaling {$290.00}. 

I've made numerous calls to Roundpoint to straighten this out and they have not been able to explain or provide a breakdown of the loan, transferring me to more people, disconnecting my calls, and having me contact XXXX, who has not responded to my queries prior to closing the loan nor the loan balance, the disbursements, or the escrow, etc that explains how they arrived at the loan amounts. 

In addition to the above, I was told by customer service that the loan amount paid to Roundpoint by XXXX XXXX was different than any amount listed above.
Consumer complaint received 2018-02-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC. (AZ)

I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
Consumer complaint received 2023-08-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I have been a customer of MARCUS.com ( Marcus Goldman Sachs ) since XX/XX/XXXX. 
About 6 months ago I opened a new cd and a saving account and made a deposit of $ XXXX, one day in XX/XX/XXXX, I tried to access my online account and found out it was being locked and there were no email notifications or any signs before they decided to lock my account. 
Since that, I tried to call them numerous times and try to solve the issue but the first time I called their rep told me the house number was the only number that their internal system identified. Very soon I noticed she was lying, I have always used my cell phone as the primary number whenever I forgot the password their system would automatically send me the passcode to my cell phone. I told her I have never set my house number as the primary, and I asked her about where on the website had that setting and she said it was their internal system that identifies the house number, not the cell phone number. I then was promised that someone will be in contact with me no later than 48 hours to verify and provide the passcode. 2 days passed I did not get a single call from them, I then made several follow-up calls about this, and every time I was promised the same things and I still never got the call then I continued making several calls until someone finally said I can send them the notarized documents to prove my identity so I did it then I called again to follow up and make sure they got my documents. They told me they have received the documents and they are currently in the queue for review. I was told to call them back in 3-5 days to follow up on the status. It has been over 3 weeks, I have made a total of 6 calls at different times and I was always been told the same lies. Until today, MARCUS still locks my account.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 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 2022-10-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

IN YOUR LAST STATEMENT YOU SAID MY LOAN IS BEING REVIEWED BY THE VETERANS ADMINISTRATION YOU CHANGED MY VA LOAN TO A CONVENTIONAL LOAN BACK IN XXXX DOING A REFINANCE ON MY MORTGAGE. IT WAS NOT A VA REFINANCE IT WAS A CONVENTIONAL REFINANCING THAT ADDED {$28000.00} TO MY MORTGAGE, CAUSE IT WAS RECORDED AS A LOAN AND 6 YEARS AS A PAYBACK OPTION FOR THE {$28000.00}, AND YOU ADDED IT TO THE PRINCIPAL. DOING THAT CAUSED ME TO FALL INTO A INTEREST-BEARING LOAN. THE INTEREST EATS UP THE PRINCIPAL PAYMENTS THAT I MAKE TOWARD THE LOAN. I SHOULD BE GETTING A LETTER FROM THE VA, I WILL REPORT WEEKLY TO THE CFPB ABOUT THE STATUS OF MY GETTING THIS LETTER FROM THE VA ABOUT MY OPTIONS. THIS CONVENTION LOAN IS NOT SECURED BY ANY GOVERNMENT AGENCY, NOT THE VA, I WILL BE WAITING FOR THIS LETTER FROM VA. YOU WERE TRYING TO ADD {$11000.00} OF INTEREST & FEES TO THE PRINCIPAL WITH THE LAST INHOUSE MODIFICATION OF XX/XX/XXXX AND YOU SAY IT WAS A DISASTER MODIFICATION.
Consumer complaint received 2023-08-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX XXXX Balance Owed : {$350.00}
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (PA)

I will attach my complaint. We ( my wife and I ) purchased a couch from Raymour & Flanagan in XXXX XXXX. We took the credit application for the furniture. We provided up to date contact information on that credit app. We had only a copy of the app and awaited a payment/bill within 60 days. XXXX months have passed. We contacted XXXX twice in XXXX and XXXX to ask where our bill was. We were told the TD is processing the paperwork or they may have lost our application. Finally, we found out in XXXX that we were late on payments and our credit rating was downgraded. We contacted TD, despite many calls and found out that RaymouXXXX provided TD with contact data that was over XXXX XXXX XXXX. Neither the address nor the telephone was correct. 
Our credit rating caused us to get a high interest rate on a vehicle loan. We have never missed a payment on any credit we took out. It is completely out of character for us and would like our credit history erased by TD. It was clearly NOT our fault.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IN)

I deposited a check into my US Bank checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called US Bank last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.
Consumer complaint received 2023-08-22
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2021-10-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (MO)

Notice, it is a fact, affiant is aware, CARVANA falls under both defintions of seller and creditor as evidence in subsections 16 C.F.R. 433.1 ( j ) and 16 C.F.R. 433.1 ( c ) Notice, CARVANA is in violation of 15 usc 1662 ( 1 ) which prohibits the need for a specific downpayment amount in order to obtain an extension of consumer credit. 

Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by CARVANA, violating 15 U.S.Code 1691 ( a ) ( 3 ) -- ( under title 1602 ( f ) credit is the right granted ) ( The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ) The instrument constitutes payment and CARVANA has opted to deny my rights to obtain credit without requiring a downpayment. 

Please be on the look out for mail with full list of offenses documented throughout the transaction.
Consumer complaint received 2021-04-13
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. (FL)

I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late.
Consumer complaint received 2018-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TN)

Requested mortgage modification with my mortgage company The Money Source I've submitted my financials and the request to modify my mortgage. 
My home is in foreclosure and I don't want to lose my home. I was recently laid off from my employer and I'm currently unemployed
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (AL)

When checkiing my credit reports I noticed a collection from Cavalry Spv and XXXX with XXXX XXXX as the original creditor. This debt does not belong to me. I have filed a lawsuit against XXXX for ID theft and damages to my credit report. This collection account on my credit reports has caused added stress to an already unfortunate situation. I plan to have my day in court and sue for damages.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX SELF-REPORTED XXXX Balance : {$62.00} XXXX SELF-REPORTED XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$840.00}
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX, I charged {$1000.00} for a deposit on a trip. Due to COVID, we cancelled the trip. In the meantime, I paid off this account and closed it because Chase Bank has some shady business practices. 

On XX/XX/XXXX, the tour company credited {$1000.00} back to this credit card even thought it was closed. I have confirmed through transaction ID XXXX that Chase Bank was the refund and will not return it to me. Inhave called them 7 times and because it isn't an active account, nobody retains the information. They make me start the process all over each time. I still do not have the refund. I want it returned with 24 % interest and late fees at this point.
Consumer complaint received 2020-02-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

To : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX   NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To : Supervisor/Agent or Processing Personnel. 

Greetings, This is a formal request for a copy of my Title Insurance ( Owner 's Policy ) for my Mortgage to my Property. The title company Is XXXX XXXX Located in XXXX, Ohio. I, XXXX XXXX XXXX request a Copy of my Title Insurance ( Owner 's Policy ) To include Schedule A and B. I also request any Loan documents To include Rural Development XXXX and XXXX. This is a Public Notice Request and you have my permission to mail the copy to my address below.. Please comply within 10 days upon receiving this Notice. The Consumer Financial Protection Bureau is my witness to this Mailing and Public Notice request. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio [ XXXX ]
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mid-Atlantic Finance Co., Inc. (FL)

In accordence with the fair act this creditor has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish and account without my written instructions. under 15 USC 1666b A creditor may not treat a credit paymenton a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-02-09
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. (TX)

moving a deleted debt to a un-claim violation not requested false claim by Equifax Reported a FTC violation e federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and ... Inaccurate information like that could affect your ability to get credit, insurance, or even a job. ... nationwide credit reporting companies Equifax reported as disaster which is false information XXXX
Consumer complaint received 2020-02-09
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)

Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

Overpayment on mortgage loan payoff to Ameris Bank on XX/XX/XXXX by {$410.00}. Payoff was wired to Ameris. Overpayment was put into an escrow account. The Loan that was paid off never had an escrow account. So, I am not sure why the funds were placed there. I was also charged {$10.00} to record a satisfaction in XXXX County. I was told that the overpayment would be paid by check in 15 days. This is unacceptable! Not sure if they do this for all overpayments of payoffs. If they do, they can play with a lot of float time that they profit from, including when they finally mail the check.
Consumer complaint received 2023-03-29
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: CLGF Holdco 1, LLC (TX)

hello I am reporting my credit card company CBINDIGO acct # XXXX for reporting incorrect payment history/ balance due on all 3 credit agencies. I have sent in dispute letters asking them to update the late payment they have reported during the pandemic/ financial hardship. I am under the credit card credit protection plan which stops them from reporting missed payment and they are not honoring there own policies. They are not following the consumer laws 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I will like this information updated on all 3 credit agencies as to this is stopping me for getting a mortgage and buying a home. they also reported a missed payment after being on autopay for a yr because they sent out a new card to replace my old card which I have not received so they froze my account not make any payments because I had not activated the new card. I had to call them for them to issue me out another card. please tell me how is this legal knowing that they are reporting incorrectly
Consumer complaint received 2023-02-14
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (MO)

Back in XX/XX/2021 I had fraudulent charges from a XXXX XXXX XXXX on my Chase card I knew this was fraud and contacted Chase. They froze the old card and sent me a new one with no problems. In XXXX I started to have fraudulent charges from a XXXX XXXX XXXX XXXX. I had done business with XXXX and XXXX XXXX who operated as XXXX XXXX XXXX XXXX. I confronted XXXX over the phone but she died that same day before we could resolve the issue. I called Chase about fraudulent charges and they initially gave me credit but did not close the card and send me a new card. Initially I received credits while Chase and I were supposed to contact the company. I wrote to a XXXX address XXXX XXXX XXXX based on the information on XXXX Secretary of State LLC registrations. It was returned to me unopened. I then contacted Chase to see if they had contacted the company. I believe they used the internet because I got the same results. The internet links were for were XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both incorrect. I know XXXX XXXX has been in XXXX and has had XXXX male associates who have stolen from her ; XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. I believe they all have criminal records. I purposely paid the full amount of my charges in XXXX and when I was initially given credit I had a {$17000.00} credit balance in XXXX. When my XXXX statement came it was for {$41000.00} on an account with a {$27000.00} credit limit which I had requested to be lowered to {$8000.00} when I called about the fraudulent activity. I believe if Chase will separate the real charges for XXXX XXXX XXXX XXXX from the fraudulent charges by XXXX XXXX XXXX XXXX I should have credit balance.