davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
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. (PA)

I have disputed the validity of the accounts listed below on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with Experian. Each time, these items are " updated '' but the " updated '' information is not clear, nor has the account been verified. It is my understanding that according to Section 609 ( a ) ( 1 ) ( A ), of the FCRA, any account posted on a credit report has to be verified through PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT. Since Experian has not provided these documents as requested, I contacted the creditors myself for verification documents ( attached ) .None of the documentation received is in compliance with the FCRA. Especially XXXX XXXX XXXX and XXXX XXXX XXXX-I could 've typed these documents up myself! According to the law, Experian is also out of compliance for not having any signed contracts on file. How do I know these are not fraudulent accounts? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

my mortgage company Shellpoint Services offered to defer my payments for XXXX and XXXX of 2020 due to Covid, I said ok and they stated I would only have to pay the escrow due, which I did. 
I am now attempting to refinance my loan through XXXX and have to pay off the deferred amount to finish the approval process. I called shellpoint and asked how I could do that because the portal I use for my payments does not show that I owe any deferred amounts. they told me that the only way to pay the deferred amount is to pay the entire loan off which is over {$130000.00}.
Consumer complaint received 2020-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (VT)

Dates are included in the attached document. Actions or " actions '' are described therein, too. The amounts were disclosed in the previous complaint ( # XXXX ). In nutshell, I own house, that is my only home, i.e. I will be homeless  if I lose it, that lost a lot of value after 2008, so it is not nearly worth as much as the mortgage on it. The mortgage is not in my name and was not my responsibility, but my ex-wife 's, who abandoned the property and defaulted on mortgage. The previous servicer ( XXXX XXXX  ) was negotiating with me the loan modification in my name, until they sold the mortgage to Selene Finance, that promptly put me in foreclosure. They refuse to negotiate with me, and are trying to eschew the mandatory legal process. They are not notifying me, my attorney, or the mediator about their actions, and instead send their decisions to my ex-wife who does not live here, hoping that I will not receive them and respond to them. This illegal behavior MUST STOP.
Consumer complaint received 2020-07-14
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: EQUIFAX, INC. (TX)

On XX/XX/2020 a mailed a formal letter to EQUIFAX requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX  Account # XXXX that is listed on my report. 

As of today, XX/XX/2020, XXXX  has yet to provide this information within the allotted 30 days. I request that Equifax delete this account from my credit report immediately.
Consumer complaint received 2020-06-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

XXXX Opened XX/XX/XXXX + {$450.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$160.00} Original creditor : XXXX XXXX   XXXX Opened XX/XX/XXXX + {$220.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1000.00} Original creditor : XXXX  XXXX XXXX  XXXX XXXX  all ftc violations filed
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (UT)

I originated this loan in XXXX XXXX XXXX, in XXXXXXXX XXXX XXXX I noticed that not XXXX XXXX of XXXX in payments has went to principle, I even called in XXXX to get account paid to avoid any future interest payments only and was given an incorrect amount so the interest only payments continued, the company never explained all of their fees abd daily interest therefor keeping all my payments as interest only which is worse then a pay day loan. I talked to the branch and employee XXXX degraded me saying Ive never made one on time payment and every payment was over 30 days late or more since loan origination which is a lie, I called corporate and they had district manager XXXX call me and he did absolutely nothing and had no empathy for the situation nor did he offer any assistance so I turned to you for help
Consumer complaint received 2022-02-17
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. (MI)

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion 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 XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6400.00} XXXX XXXX Balance : {$8000.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX/XXXX/XXXX
Consumer complaint received 2015-07-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

Commonwealth Financial Systems, a third party alleged debt collector failed to send my " Mini-Mirandi '' rights before placing this alleged debt on my credit report, in which I asked for validation and informing them about the " Mini-Mirandi '' rights. They did n't respond, so I contacted the XXXX and Commonwealth Financial Systems stated to the XXXX they would immediately remove it by notifying the XXXX credit bureaus ( XXXX, XXXX, & XXXX ), in which they made this statement to the XXXX on XXXX ocassions ( XX/XX/2015 & XX/XX/2015 ) to no avail. 

Then on all XXXX credit bureaus this item is still on there to this day XXXX XXXX, 2015 with a little trickery on blocking out certain numbers, but get this, it 's the same account and even shows it 's pass the 7 year " Statue of Limitations '' for removal from all XXXX bureaus. They are arrogantly breaking the in regards to FDCPA, FCRA, and defamation of character. 

Please advise
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE BECOME A VICTIM OF IDENTITY THEFT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS WITHOUT MY KNOWLEDGE. I HAVE NO IDEA AS TO HOW AND WHEN THIS WAS DONE. I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE SO THAT THE ACCOUNTS CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

I received a collection account on my credit from a company I have never heard of. It is reporting an amount of XXXX. I have no knowledge of this bill nor have I had any medical attention recently. I am afraid this is also a breach of HIPPA. I have submitted 2 disputes and both were only given 24-48 and denied.
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company has failed to provide documentation that has my signature that I owe this debt to them. They sent a letter stating they deny any discrepencies. Please help me resolve this matter. 
I've included 2 letters that I've sent requestion that Portfolio verify the information they have regarding the claimed accounts.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the Experian, XXXX, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.
Consumer complaint received 2018-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

CFPB Complaint XX/XX/XXXX Subject : SunTrust Bank wrongful holding of Mortgagee insurance proceeds. 

Facts : 1. XXXX XXXX approved a Hurricane Irma damage claim in the amount of {$80000.00} +/- for a replacement of the total roof and issued an initial insurance check in the amount of {$52000.00} made payable to home owner and SunTrust. SunTrust has a copy of XXXX documents. 

2. Check was signed by homeowner and delivered to SunTrust on XX/XX/XXXX 3. SunTrust advised Mortgagee to comply with SunTrust Claim-check procedure which mortgagee did in full on XX/XX/XXXX. 

4. SunTrust advised that eventually Mortgagee would receive {$40000.00} of the {$52000.00} sometime and the balance in two equal installments. One when 50 % of work is complete and one when SunTrust determines the work to be complete. This is in addition to a {$12000.00} holdback held by the insurance company which petitioner accepts and believes is fair and reasonable. 

5. There is no need for SunTrust to hold any of the money or require Mortgagee to waste time and money completing the unnecessary Claim-check process. There is no risk to the bank as the balance of the mortgage is less than 35 % of the value of the house. This was documented in the attached XX/XX/XXXX letter to SunTrust CEO XXXX XXXX ( Exhibit A ). This letter received by SunTrust via email on XX/XX/XXXX ( Exhibit B ) and a few days later by XXXX. No response from SunTrust CEO. The letter detailed the wrongful nature of the money grab and demanded immediate release of the full amount of the insurance proceeds. 

6. A second letter ( Exhibit C ) was dated, sent and received by SunTrust on XX/XX/XXXX pointing out the harm to Mortgagee in having to use retirement assets to pay the {$25000.00} initial payment to the roofing contractor in connection with the roof contract executed on XX/XX/XXXX.This letter also pointed out that this wrongful holding of Mortgagee money may very well violate the SunTrust Code of Business Conduct and Ethics which may be of interest to other oversight agencies of the US Government . 

7. Mortgagee is advised that SunTrust will not pay interest on Mortgagee money it is wrongfully holding. 

8. A third letter ( Exhibit D ) critical of SunTrust CEO Non response and bank partial response was sent to SunTrust on XX/XX/XXXX. This  letter again demanded immediate full payment with interest. 

9. There is no rational or logical reason for SunTrust to wrongfully hold money due Mortgagee. There is absolutely no mortgagee risk to SunTrust. While there is language in the mortgage that seems to give SunTrust the power to hold Mortgagees money that is obviously a Contract of Adhesion and not enforceable in law. 
 10. In addition to processing this complaint I would like CFPB to investigate if this is a scam to force people without additional capital into high interest rate loans while holding their insurance and not paying interest..
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please Remove inquiry From My Report. 
XXXX XXXX Date of inquiry : XX/XX/2021 2.Please Remove inquiry From My Report. 
XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 3. Please Remove inquiry From My Report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 4. Please Remove inquiry From My Report. 
XXXX Date of inquiry : XX/XX/2021 5. Please Remove inquiry from my Report. 
XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2022-10-05
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: Affirm Holdings, Inc (OH)

In accordance with the fair credit report act Affirm accountt # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MNS & Associates LLC (TX)

I sent them an email this morning with a cease and desist calling me and any of my family or associates telling me to call and verify my address and job with them and I have received nothing in the mail about an alleged debt and that theyre going to have me served within the next 24 hours. I also have sent them a certified letter stating that they need to cease contacting me or any of my associates and they called my parents, a work associate and my wife and left a voicemail on her phone just like they did yesterday
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc. (MI)

I made an agreement with Client services Inc. in XXXX of XXXX to have a certain amount of payments automatically withdrawn from my account. The payments were all made and the account was supposed to be paid off. There was not supposed to be Interest charged. I had XXXX in XXXX and was very ill. Apparently I mad a payment during that time. They are now calling me saying that I owe over {$300.00} and the account is interest bearing.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE CONTACTED EACH COMPANY WITH A WRITTEN LETTER TO REMOVE THESE INQUIRIES FROM MY CREDIT FILE THAT I HAVE NOT GIVE CONSENT TO PULL MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I never Realized that I was Giving 5he Bank the right to Deduct {$30.00} a Month for YEARS on my deposit. I never had money before. This was a substantial amount from my mom 's estate which never came to her when Alive! Well over {$180000.00} which I believed would be there for later years Earning Interest! It was there for my children and a few seldom charges. I Told them it was Not my daily bank. It was to sit, to be There! I have nothing now. I am Scared. I feel I was robbed. I want Restitution of my Money!
Consumer complaint received 2020-07-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

I havent be able to pay it in 15+ years I asked to get them both of them dismissed and I dont know how to do all this they said to keep doing a. Forbidden and I cant remember to do this all the time forever it just adds more stress in my life with all this other stuff I have to deal with like my wife who was trying to XXXX  me report number XXXX and XXXX me and give me XXXX XXXX XXXX XXXX shouldnt you want to give up after all that. I didnt I got very sick and in the hospital and to get out 2 hour late I got tee boned and brought back to the hospital life sucks
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX Received approval notice for Citi Double Cash Mastercard XX/XX/XXXX Activated card successfully via phone number on front of card XX/XX/XXXX Used card for purchases at a diner XX/XX/XXXX Attempted to use card at a XXXX XXXX in XXXX, Pa only to have it be rejected XX/XX/XXXX Called Customer Service and was put on hold for over 10 minutes, after telling me they had to " verify my account ''. Gave them name and number of another credit card ( as requested ) other than Citibank and was placed on hold again for a long period of time. Called me back and got another person REQUESTING THE SAME INFORMATION!

XX/XX/XXXX Attempted to go online to verify my account and SERVER WAS DOWN.

XX/XX/XXXX Called Customer Service only to be told that they HAVE TO VERIFY MY ACCT!
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I filed a complaint in XX/XX/2023 ( XXXX ) about a disputed corp fee XXXX the bank did reply to me. just saying it was put in after the confirmation XXXX XXXX bankruptcy I do agree with the clam of XXXX and what the trustee payments of XXXX. BUT THE BANK CAN NOT JUST ADD IN EXTRA FEES XXXX with out justifying WHY? This is outside the banks stated clam when i filed XXXX XXXX. I was XXXX XXXX who did this! 
I want to pay up all my arrears at this time However the bank is NOT WORKING WITH ME. 
I can not get a live person to discuss the extra fees i want to solve this problem however i am getting the runaround. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-04-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (CO)

I had water damage to my floor and my insurance company sent me a check for {$14000.00} for my claim to repair my floors. I submitted the packet of paperwork on XX/XX/22 to Celink, the company my mortgage company hired for Loss Draft issues and insurance claims. The paperwork included the check I endorsed as they requested. I called them about a week later to make sure they received my tracked documents I sent via XXXX. They said they did but didn't receive my check. I got very angry as it was in the packet. Then they told me they found it. Supposedly, they open an escrow account to place the money in until my repairs are all completed and all paperwork filed. On XX/XX/22, my paperwork and inspection were all completed and Celink verified this.Then they said that it takes 5 days for the paperwork to be examined and then 10 days after that to process the check.When I called them XX/XX/22, they told me that the 10 days for them to send me my check would be XX/XX/22. I called on XX/XX/22 and they said that it was being processed. I asked to speak to a supervisor and her name was XXXX. She told me that my check would be mailed on XX/XX/22 and I would be able to put it in the bank on XX/XX/22. I have a tracking number for XXXX but there is no action on this yet and it is XX/XX/22. I reviewed this company online and they have bad reviews and complaints. I called on XX/XX/22 and they told me it would be another 3-5 business days. I have complied with all of their requirements and they won't release my money that is mine. I feel I am being scammed and I need some help to get my money back.