davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been actively trying to repair my credit for a while now. In the midst of me reviewing my report, I noticed that there were a few incorrect items on my report that is negatively affecting my score. In attempt to repair the errors I have sent out multiple dispute letters, without any luck. Most recently, I filed a XXXX letter, sent XX/XX/2021, and have yet to receive a response. It is now XX/XX/XXXX and I have yet to get a response, nor have I seen any changes to my report.
Consumer complaint received 2020-10-04
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the  physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX
Consumer complaint received 2016-10-06
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings (CA)

The company 's website does not give a clear concise history of principal and interest paid. I did not always get payment confirmations, which is the only way to see how your P & I payment was applied, the customer portal does not provide such details. I made a significant payment ( XXXX % of outstanding balance ) and my P & I structure did not change. I sent two messages stating this and NEVER received any response. I fear that I was overcharged interest but they will not respond.The company 's website does not enable consumer to track outstanding balance on a regular basis. I fear that I have been overcharged! It seems that this is on purpose to keep consumer ignorant and make sure we are not able to see any errors or mistakes on the company 's part. This leave open ample room for fraud! I sent messages to the lender communicating this fear multiple time and no reply in over three months. I believe there maybe fraudulent activity on their part!
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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.

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 1681 s-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. 

XXXX XXXX- ACCOUNT NUMBER- XXXX
Consumer complaint received 2016-07-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica (NC)

This complaint is against US Direct Express. The website is constantly down and many people are constantly having trouble accessing / using their money via debit card. I am deaf and can not call to complain but per many users on various websites, the phone lines are also constantly down. If this company can not do a better job then the US Treasury dept needs to find another company to handle our SS and XXXX payments / money. I live on {$1100.00} XXXX per month and I am always out of food by the next check so if I can not access my money then I go hungry. This is not right. I have bills that I need to pay online but can not access my money so I end up paying late charges. There are problems every single month. Google " problems with US Direct Express '' and you will see that there are thousands upon thousands of people who have the same problems / experience I have every month. The poorest of the poor are being denied access to their only pitiful little source of income. For some this can be a life or death situation. It is time someone did something to fix the problems.
Consumer complaint received 2015-06-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KS)

Midland Funding LLC from XXXX Acct # XXXX if trying to collect and debt that was paid on XXXX XXXX debt from XXXX was paid through XXXX after my dispute was resolved., I have been disputing on my report since XXXX
Consumer complaint received 2021-06-04
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I disputed an account with Experian for a new reporting from XXXX XXXX XXXX. The dispute stated that the account didn't belong to me and that it belonged to a business. I provided the documentation that shows it belong to a business and not me along with the letter to XXXX XXXX XXXX of my request for validation that the account belonged to me. Neither company Experian or XXXX XXXX XXXX provided proof that the account belonged to me and my responsibility. 

On XX/XX/2021, Experian alerted me that my dispute was complete and that the information was verified and the account was updated ; however, they provided nothing to say how it was verified and how they determined that the information was justified to be my responsibility. Attached is the information that I uploaded to the dispute and the information that XXXX XXXX XXXX tried to use a verification it belonged to me.
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (NV)

Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. 

I have attempted to contact XXXX at XXXX and tried to reach via phone.
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

At the beginning of XXXX, my previous mortgage servicing company XXXX XXXX, notified me that loan servicing was being transferred to Roundpoint Mortgage Servicing Corporation, effective XX/XX/XXXX. I had already sent my XX/XX/XXXX to XXXX XXXX on XX/XX/XXXX, before being notified by either company of the transfer. I began making monthly payments to Roundpoint XX/XX/XXXX, but they began calling me before mailing any statements, saying I was behind in payments since XX/XX/XXXX ( sent to XXXX XXXX ). After several calls to their customer support, they explained that my monthly payment increased by {$480.00}, due to escrow shortfall, going from {$1400.00} to {$1900.00} per month. Roundpoint also said they would request the XX/XX/XXXX from XXXX XXXX, where it was sent. To date XX/XX/XXXX, I have made 4 months ( XXXX, XXXX, XXXX, XXXX ) worth of payments, from my XXXX XXXX XXXX XXXX XXXX feature, totaling 4 x {$1900.00}, my bank lists transaction dates as follows : XX/XX/XXXX, XXXX XXXX, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} ( special payment to make up 1st 3 payments shortfall ) XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1900.00} The latest Roundpoint billing statement dated XX/XX/XXXX arrived in mail today XX/XX/XXXX, stating I owe {$3600.00} due by XX/XX/XXXX, else incur late fee of {$54.00}. The statement mentions that partial payments are kept in a suspense account, rather than being applied properly. Even if I overpay on XXXX, I am highly suspect that they will apply all payments properly and promptly, and continue to charge me late fees. 

Other people have reported troubles with Roundpoint, the same as mine, which have been described in reviews here https XXXX XXXXroundpointmortgage.com Roundpoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX -
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote a formal complaint to Trans Union on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX bankruptcy from my account due to the fact that it was not mine.

I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred.

I have included a copy of the second letter along with the receipt of the certified letter that was sent to Trans Union.

If you have any questions, I am free to discuss this situation.

Thank you in advance for you assistance. 


XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (CA)

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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: World Omni Financial Corp. (FL)

XXXX XXXX - XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World Omni LT and Southeast Toyota Finance dba World Omni Financial Corp, that account was paid in full. 

Southeast Toyota Finance dba World Omni Financial Corp continually sends past due notices and harassing phone calls. 

XX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail.
Consumer complaint received 2017-02-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I filed for Bankruptcy XXXX XXXX, in CA. My Loan was with Caliber Home Loans. They sold my home for {$4800.00} over what was owed against the loan. I never got a check, but received a XXXX showing that they wrote off {$5500.00} in interest. Called the IRS who told me I would have to go after the lender for fraud, but I would have to file as per the XXXX Called them twice at an hour the first time. They could not give me an answers or accounting of the figures. Called them again they left me on hold. Gave up after nearly 40 min. This company had over XXXX complaints here and Ill be securing another attourney and going after them for all expenses as well as fraud.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I called Amerisave asking about a refi on my investment properties. They made all kinds of promises and after the appraisal the promises was changed. The have done numerous credit checks, one report they done it twice in one day. I gave them permission to do the credit check on XX/XX/XXXX, but not on XX/XX/XXXX and mainly not twice with one bureau. Every week I was assigned someone else to work with, information was messed up and lost due to this being done. I was told my score was to low after spending a month with them and spending {$650.00}. I checked the scores, and they did not match what they said they was, they stated they was not under any obligation to share the report. The score they told me was mine, was not. This company is so unorganized and should be investigated before they take advantage of others. The have a awful rating on sites I found, I should have taken that as a clue not to deal with them, but they made me such a great deal on the first call and down hill from there.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (TN)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXX
Consumer complaint received 2015-06-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I have federal loans with Mohela and am working toward Public Service Loan Forgiveness. In XX/XX/XXXX I was placed on administrative forbearance through the end of XX/XX/XXXX. The Mohela website clearly states that my {$0.00} payments during XXXX, XXXX, and XXXX will count toward PSLF. I submitted employment verification on XX/XX/XXXX. This form has been processed. My XXXX and XXXX payments are inappropriately being considered ineligible. I am only a month away for meeting my 120 payments but am being told by Mohela customer service that this error may not be corrected until summer of XXXX. This will result in thousands of dollars of overpayment due to their inaccurate accounting of my payments and delay in resolution.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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. 

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 1681 s-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. 

XXXX - ACCOUNT NUMBER- XXXX
Consumer complaint received 2017-05-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Ser vices LLC Loan No.  #  XXXX   Phone No . #  XXXX  Ext :  XXXX  Fax :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX  was my first and only lender until   XXXX   XXXX   XXXX   XXXX  bought  XXXX   XXXX   XXXX  on about  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Loan No.  #  XXXX  Sold my loan to Carrington Mortgage Servic es LLC Loan No.  #  XXXX  I received the Carrington Mortgage Service s LLC inform ation on Friday  XXXX  when I called   XXXX   XXXX   XXXX   XXXX  to check on my Short Sale status which was currently in effect and past approved by both   XXXX   XXXX    XXXX  and my second,  XXXX ..       XXXX   XXXX    XXXX  sold my loan while the Short Sale was approved, complete with a buyer.     Now that Carrington Mortgage Servi ces LLC bought my l oan and in my opinion cant produce the following documents because in my opinion,   XXXX   XXXX    XXXX  never had them and also refused to produce them for me, therefore Carrington Mortgage Services  LLC  in my opinion doesnt have them and wont be able to produce them as well.     Would you please ask to Carrington Mortgage Service s LLC to   produce the following item s : 1.  The  XXXX   XXXX   XXXX  to   XXXX   XXXX    XXXX  Assignment of the note in Deed of Trust.      2. Th e Chain of Title from  XXXX   XXXX   XXXX   to    XXXX   XXXX    XXXX  to Carrington Mortgage Services LLC.      3. Copy of the Recording of De ed of Trust in  XXXX   XXXX .      4. Copy of the Merger with a list of the assists and UC1  filing.      5. Also,  if any of these documents show up, Im requesting a  Federal Officer examin e the ink on the date to determine if its appropriate for that month and year.      6. What amount of money did Carrington Mortgage Services LLC  pay   XXXX   XXXX    XXXX  for my loan?     Thank you for your attention to this matter.      XXXX   XXXX   XXXX
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On approximately   XXXX   XXXX  2017    I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017   , it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX    payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.
Consumer complaint received 2023-07-24
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: EdFinancial Services (MS)

I recently went to purchase a home from XXXX XXXX  and noticed that there are some damages on my credit report according to the 15 U.S.C 1681 law there should NOT be any damages on my credit report it is a defamation to character.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

My father passed away XX/XX/XXXX. I am his only heir. The mortgage company at the time, XXXX, would not speak to me even though I repeatedly sent them the death certificate, will and administratrix paperwork. XX/XX/XXXX my property was affected by the flooding in XXXX, XXXX. The loan had then been transferred to Select Portfolio Service in XXXX XXXX XXXX, XXXX, and so I began with them to explain my father was deceased but that I have been making the payments. They transferred the loan to the Estate of my Father instead of to me even though I asked to assume the mortgage and I am the only heir and supplied them a copy of the Will and Administratrix paper work. They sent me a letter today telling me this loan was included in a bankruptcy my father filed in XX/XX/XXXX ( it was not - and if it was why would we make payments through XX/XX/XXXX?? ) I HAVE to have this transferred to my name in order to complete my FEMA paperwork for damages from the flooding. The law was passed in XX/XX/XXXX that children could assume a parent 's mortgage. What will it take to make these people understand this? I am at wits end!