davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

I have PAID IN FULL on an OLD XXXX bill to TWO collection agencies. One is Resurgent Capital and the other is XXXX XXXX. If I am correct I paid a total of {$230.00} to Resurgent on XX/XX/XXXX account for the XXXX account number XXXX but then again I ALSO remember paying XXXX XXXX the SAME amount on XX/XX/XXXX account number XXXX. There are two accounts that I paid to XXXX XXXX ref number # XXXX and reference number XXXX ( or something like that ). 

I applied for a XXXX Credit card and got APPROVED for a XXXX credit limit in XXXX of XXXX. Imagine my surprise when I go to check my XXXX account and couldn't get online to view it so I called XXXX. The Rep told me that my the account is PERMANENTLY AFTER I got the credit card AND after I paid the old XXXX account off. I have ordered items from XXXX and have received some of them. The other items were requested to be sent BACK to XXXX BY XXXX because of they said that after reviewing my credit AFTER they gave me the XXXX Credit card that I STILL owed them money and that was the reason they PERMANANTLY closed the account. The credit card account is still open because I have not gotten in the mail and activated it yet but they REFUSED to REOPEN the regular account because of NON-PAYMENT which is not true ... IT'S BEEN PAID and PROBABLY TWICE at that. 

I tried to resolve this matter by contacting XXXX headquarters on XX/XX/XXXX and was told that even though i paid the account BEFORE they closed it that I can NOT use the XXXX credit card and my account will stay PERMANANTLY CLOSED. I have contacted my bank and filed a dispute to have the {$230.00} RETURNED to my account on XX/XX/XXXX. it is not my fault that Resurgent Capital did not communicate with XXXX about the payment so therefore they do not need my money.
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

On XX/XX/2018 I was notified by my Home insurance company that my home insurance premium of {$1600.00} has not been paid. After contacting my agent and calling the mortgage services : Carrington Mortgage Services, I request research on tracking the payment. Carrngton expressed that their system does not identify on the check a reference to my insurance policy nor does it list me name. They stated they send the check with a reference paper. XXXX XXXX, my homeowner insurance company, stated they returned the check to Carrington due to lack of reference on the check on application of the funds. Carrington denied receiving these funds back from XXXX. My policy lapsed as of XX/XX/2018 and he lack of response from Carrington shows they are not concerned with rectifying the matter. I spoke with a manager named XXXX from Carrington Mortgage services who identified herself as a Manager with the firm.
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OPORTUN FINANCIAL CORPORATION (IL)

During the pandemic ( Covid-19 ), the company was contacted voluntarily regarding my account, to advise of my inability to make consistent payments due to a financial hardship. I requested a payment deferment and/or forbearance. I thought that was granted but I was essentially harassed from that point forward. I received repeated calls daily asking what my current situation was, after I explained the situation the day before and the day before that. In conclusion, the payment option requested and granted, was not processed. Oportun is using bully tactics even after being informed of the inability to pay. I now have to attend court to prevent wage garnishment. So unfair when I requested assistance, I was bullied ( repeated calls daily ) and now being taken to court!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Formal Debt Dispute : Complaint against XXXX for over charging my mortgage account and ruining credit report - LOAN # : XXXX ( Serviced by XXXX ) We are previous XXXX XXXX  clients. In XX/XX/XXXX, XXXX took over our mortgage loan. We were paying principle {$1000.00} per month. ( 30 year fixed ) Our XXXX payment to XXXX XXXX was paid in XXXX and never transferred over to XXXX. Also, the property is a condo. The flood insurance certificate was sent to XXXX, for XXXX, and should have transferred. 

Suddenly, I and XXXX XXXX XXXX were reported as 30 days late to the credit reporting agencies. 

In addition, our condo association emailed a copy of the flood insurance policy to XXXX in XX/XX/XXXX, for XXXX. However, XXXX has been charging me {$1800.00} for insurance. XXXX confirmed that this would be rectified by the XXXX payment. This is still not fixed. 

We overpaid XXXX in XXXX ( to avoid being sent to collection ) and asked that the overpayment to be credited to XX/XX/XXXX. However, the overpayment still has not been credited. Moreover, we are still being over charged on the mortgage payment XXXX - XXXX = {$750.00} per month. 

XXXX is stating that they never received our flood insurance from XXXX XXXX for XXXX and we had an escrow. We were never aware of this situation as XXXX received copies of our flood insurance policies. We always submitted our flood insurance policies. We should not have an escrow balance from either mortgage company. XXXX received our flood insurance policies. 

( XXXX ) XXXX needs to correct my and XXXX XXXX credit report. ( 2 ) They owe one month ( overpayment ) to be credited to the account. ( 3 ) They need to correct the billing statements ( 4 ) They need to credit the XXXX and XXXX flood insurance and not charge an escrow from XXXX. ( XXXX ) They need to update the XXXX payment. I have a bank statement showing payment for XX/XX/XXXX. They are stating the payment is not paid.

I have been on the phone with the agents and two supervisors for XXXX months. However, this situation is still occurring and needs to be rectified. 

Thank you for your time in addressing this matter. 

Sincerely, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I believe I was victim to a money laundering scam on XX/XX/2020. I shared personal information over the phone with a man pretending to be a loan officer for XXXX XXXX. The man said he was going to deposit money to my account, but that I would have to send some of it back using XXXX XXXX. I realized this was likely a scam and immediately called Bank of America and notified them of the situation. They froze my checking account and I was advised to open a new one. On XX/XX/2020, I opened a new checking account with Bank of America. This morning, I checked my mobile banking app, and neither account was there. I called the bank and they said they closed my accounts for business reasons and that they could not reveal any other information. I reported the incident to the FTC on identitytheft.gov on XX/XX/2020 and I reported the incident on the XXXX website on XX/XX/2020.
Consumer complaint received 2017-08-04
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. (TX)

EQUIFAX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion student loans are still reporting negatively on my credit report. These student loans were opened in XXXX, and still affecting my credit score. I work for law enforcement, credit is important in my line of work. I have previously disputed these student loan accounts before, i'm currently dealing with the same issues again. These student loan accounts need to be deleted to prevent future complaint regarding the same issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are reporting XXXX days late. Please help me in resolving this matter. Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/23 i sent transunion a letter asking them to verify the debt that they are claiming to to be reported on my credit and have charged off. I have waited 30 days and they have not responded to my request and have not even let me know they are processing things
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One mixed my files with another consumer not once but twice. Ive been disputing with the company since XX/XX/XXXX until now. The account they are saying belongs to me ends in XXXX. However the company sent me two letters with my Name & Address on it with another account ending in XXXX on XX/XX/XXXX and XX/XX/XXXX. I have no idea who this account belongs to nor do I want to know. Mistakes like this just should not happen. I have the original letters from Capital one with the account number ending in XXXX with my name on the.
Consumer complaint received 2017-08-04
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)

XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , MD. XXXX.
Consumer complaint received 2020-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (SC)

The VA sent me to XXXX XXXX for a evaluation of my XXXX. XX/XX/20 This visit was scheduled by the VA and approved by their Insurance Carrier XXXX XXXX. 
I took the approval letter with me and they made a copy for their records. 
On XX/XX/20 a collection company called and I provided them this this Information. 

Now I received a letter from RMC Receivables Management XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have MARKED my credit report and caused my credit score to DROP 62 points. 
I Contacted XXXX and disputed this, they agreed with me and removed the Mark from my report, but my score has suffered and will take time to build it back. 

My complaint is that they filed a FALSE Report with XXXX to Clearly HARASS ME! 
I'm XXXX years Old, A XXXX Veteran, And have a XXXX XXXX CONDITION!
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Reliant Capital Solutions, LLC (GA)

In XX/XX/XXXX, I attempted to get out of default by entering a rehabilitation program ( 9 month program ). A title 4 was reinstated to my account after 6 months, I failed to make the other 3 months so I had to start over. They never asked me to resubmit my XXXX and Rehabilitation Agreement. In XX/XX/XXXX, I began making payments again and completed the program in XX/XX/XXXX, I asked the representative on the phone what the next step was and did I have to make anymore payments. He said No, you dont have to make anymore payments to us. Your loan is out of default, just wait for the next loan servicer to contact you. They will arrange your payments from here on out. That loan servicer is Reliant Capital Solutions,  they didnt send me any mail or correspondence until XX/XX/XXXX. When I contacted them, they told me my loan had redefaulted and I should call the Dept. of Education. I spoke to 5 different people, all of which said different things as to why it was redefaulted. The representative I spoke to in XX/XX/XXXX gave me false information. Thus creating this massive problem. All 5 representatives I spoke to confirmed that I was correct and they made a mistake. Their solution was to have me start off the rehabilitation program and pay until Im out of default. They offered no assistance in the massive issue they created and Im graduating college a full year later because of their mistake.
Consumer complaint received 2022-01-07
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: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Unfortunately this issue has been occurring annually since they first started servicing the loan. I have had issues originally about them mis-apply my mortgage payments, after months of communications, things were straightened out. A month before my first payment was due, I set up bi-weekly ACH mortgage payments through my credit union. The first year, there was a shortage with my escrow account, so I elected to pay the shortage and my payment still increased. In XXXX I refinanced my loan and my original payment was XXXX. My escrow payment was originally XXXX. In XX/XX/XXXX, I paid a shortage payment of XXXX, and my payment still increased to XXXX. An increase of XXXX/month, even though I paid the shortage. In XX/XX/XXXX, I paid the shortage of XXXX, and my payment still went up to XXXX, an increase of XXXX. As you can see everything is doubled, escrow shortage and the amount of monthly increase. When I spoke to the Agent yesterday, he stated that the XXXX payment went to unapplied funds and not to my escrow account, despite the fact that I mailed in the escrow payment with the payment coupon to the address stated on the coupon. In XX/XX/XXXX, I paid the escrow shortage amount of XXXX, and my payment incteased to XXXX, a monthly increase of XXXX/month. Once again, my monthly increase almost doubled, even though I paid the shortage amount. This year my shortage amount is XXXX, and my payment will go up to XXXX. Will this madness ever end? Clearly there is a problem. Who can continue to keep their home at the rate of these increases. This is all due to escrow. What happened to my misapplied escrow payment? Why did n't anyone ever tell me? Could that be the reason for the significant increase? What recourse do I have as the consumer who has always paid their mortgage on time? I realize my property taxes have increased because my property value has increased. But that 's why I pay yeh shortage amount. So why does my escrow payment have to consistently increase. I requested an escrow cancellation, and they denied it. The denial stated my loan needs to be less than 80 % of the original loan amount. Even the denial letter has a XX/XX/XXXX denial date, and he request was made in XX/XX/XXXX.
Consumer complaint received 2023-01-18
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (CA)

We started a refi with Amerifirst Financial Inc. -NMLS XXXX in XXXX of XXXX. The refi dragged on for almost 5 months at no fault of our own. The lender, XXXX XXXX, of the XXXX XXXX CA office continued to string us along with excuse after excuse of why we hadn't closed. I'm requesting our file to be reviewed and believe XXXX XXXX, who runs the XXXX XXXX office is a fraud. 
We were told the delays were due to many refi 's happening which was very believable. We were then told it was because of the holidays ( also believable ), and then again told there was a system malfunction nationwide. We were told about 20 more excuses dragging the refi out, most of which I have retained in text messages and emails. When we finally closed in XXXX, we signed with the notary for a REFUND of almost {$4000.00} and have received NO refund. It is my belief, the lender, XXXX XXXX, extended our loan multiple times without ever discussing, disclosing, or anyone agreeing on fees & he used our refund to cover the cost without EVER disclosing those fees. He now has discontinued communicating without delivering an explanation to where our money is.
Consumer complaint received 2017-08-04
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: CITIBANK, N.A. (NY)

I opened a Sears card 10 years ago ( XXXX ) and lost control of the debt due to hardships. I eventually moved from XXXX to XXXX to start my life over. When my career started to take a positive turn I contacted the credit report agencies to find creditors listed so I can start clearing debt but there was only new cards and student loan debt present. In XXXX of this year my employer informed me that they received a notice from a marshal ( XXXX XXXX ) to garnish my wages and I immediately assumed it was from student loans. Upon contacting DOE, XXXX, and XXXX XXXX, I was informed that the garnishment did not come from them and I was up to date. When I found out who the marshal was he told me that the judgement was from Sears and I had no idea. I called for an official balance and was given misleading information as to the amount. After months of suffering in wages I called again only to find out that after paying over {$2000.00} since XX/XX/XXXX that they intended to take over {$1800.00} more from me without a statement of payments or balance. This is has been hurting my family because I am a single mother of a XXXX XXXX old and we are truly suffering at the hands of a 10 yr old charged off debt that I feel could have been resolved in a fair way. There must be a statue of limitation on these things.