davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (TN)

I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX  XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX  Number : XXXX Account : XXXXXXXX XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX now Number : XXXX Account : XXXX Now Number : XXXX Account : XXXX  Now Number : XXXX Account : XXXX now Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : No Account #
Consumer complaint received 2016-10-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Please consider this correspondence to be formal notice that your company has failed to comply with the Loss Mitigation Procedures set forth in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX by failing to postpone the scheduled foreclosure sale to complete our mutual client 's loss mitigation review. Our mutual client submitted a loan modification application and your company failed to submit a missing document request within five ( 5 ) business days in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX the application was therefore " facially complete '' and was entitled to be treated as a complete application throughout the course of the loss mitigation review. Postponement of the foreclosure sale is therefore required pursuant to XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

i usually pull my annual credit report around XXXX. when i went to pull in ocotber XXXX it stated i already had a free report done that year. i did pull XXXX earlier that year but i paid for it. i just tried to pull it again XXXX/XXXX/XXXX this year to make sure info was accurate due to me loosing my social security card and it stated i have already recieved it free this year. this is inaccurate.
Consumer complaint received 2016-09-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

Years ago in XX/XX/XXXX or so, I was attending XXXX University online. Federal loans did not cover my expenses, so they convinced me to take out a private loan. They later told me I needed a cosigner and I asked my mother to co-sign, which she reluctantly did. The original loan was {$20000.00}. In XX/XX/XXXX, I was diagnosed with serious health issues and could no longer work. I went on XXXX in XX/XX/XXXX. My mother passed away in XX/XX/XXXX. I tried to reach an agreement with XXXX XXXX now Navient with absolutely no luck. Now in XX/XX/XXXX, they are sending threatening letters to my mother and I. I told them that my mother passed away, but that did n't seem to matter. Now they have sent this account to collection agency after collection agency. I think there have been at least XXXX this year. I had my federal loans discharged due to total and permanent XXXX in XX/XX/XXXX. Navient flags this account every month and continues to ruin my credit. They now claim the loan is almost {$79000.00}. This will never be able to be paid off.
Consumer complaint received 2016-08-08
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (IL)

My XXXX yr Old Mother is being Harased and Intimidated by RMS reverse Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX by XXXX XXXX XXXX XXXX XXXX. She was in the Hospital and RMS was told this and Started Foreclosure proceedings. The reason was that she was not occupying the property. When she came back home she started getting the Notices. We were told to have her sign return the Occupancy Letter. There was never any occupancy letter ensclosed. Only form to surrender the Property and hand over the keys. The Loan Balance is XXXX K the Home is appraised at XXXX. This is predatory lending practices to take a large amount of equity away from an unsuspecting XXXX person. I can never reach XXXX XXXX hes always Not Available or out of the office. We get the letters sent by Special Delivery on Saturdays when there office is closed My Mother who is XXXX. This has been going on since XX/XX/XXXX. We have faxed over utility bills and a signed letter that my Mother resides at our residence. The Company has stated that the loan will be taken out of default and Reinstated but they refuse to send us anything in writing. Last weekend we received yet another letter again threatening foreclose for unpaid taxes. I have paid all the taxes current. The letter even states the amount owed for taxes is XXXX. But they keep sending the forms to let the property go to them so they can steal all of our equity.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capi tal One filed a lawsuit against me in  XXXX  for a debt that was not incurred in  XXXX . They also sued for an amount much higher than I actually owed. Once I got an attorney to defend myself, they dropped the suit but are still reporting this incorrect amount of debt on my credit report. I asked Capital One during the lawsuit to provide proof that the debt was valid and the amount was valid, but they never provide d anything.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Due to the fact that my choice above on why this is a false statement case if not above for me to choose. I have to explain my case here below. and I am just picking one so I can file this case.I file a case with the CFPB in XX/XX/2016 case number ( XXXX ) on Account Resolution Services. They replied back that they are registered and bonded by the State of Texas to collect debt. That is a false statement that they reported on my credit report. I have the proof that they are not in legal standing with the State of Texas they should be removed from my credit report. On the grounds of Services because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I closed on a land loan through the XXXX ( XXXX ) in XXXX. They have contracted through Dovenmuehle Mortgage Inc. for loan servicing. To say that Dovenmuehle Mortgage Inc. is inept would be giving them too much credit. To date I have been unable to access my account through their website XXXX.com and repeated attempts ( over 30 phone calls and representatives ) have been unable to provide any resolution. I have already exhausted every level of their Tier support system and have had over 10 phone calls either disconnected or outright hung up on me. I sense there is some type of fraud being conducted because they refuse to give me access to my loan balance, escrow and payment information.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (CT)

I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through global lending services and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated  for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (CA)

I agreed with the medical center rep to pay a set amount to close out my account. I paid that amount and wrote " Paid IN Full '' on the check, just in case. Sure enough despite being promised the account would show paid they then produced XXXX new bills trying to collect on those as well. I spoke to XXXX at the XXXX XXXX office PRIOR to sending in the paid in full payment. She said she had spoken to the Drs and the amount I paid was the total agreed upon. These following charges were described as follow up visits to my single procedure. They lied and I have proof of it in an email from XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

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 2021-10-03
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)

The CFPB closed my previous case WITHOUT MY COMPLAINT BEING APPROPRIATELY ADDRESSED! The Fair Credit Reporting Act ensures that fair and accurate information be recorded but Transunions credit scoring is not only unfair and inaccurate but they still have not demonstrated why it claims my poor credit scoring is due to too many derogatory and delinquent accounts and I can not find one. Their credit scoring and summary is damaging to me personally and diminished my lending opportunities of getting better rates, shopping credits or any loan.
Consumer complaint received 2022-02-13
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. (CA)

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of XXXX and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I am writing because I noticed some inaccuracies on my credit report that is damaging my score and needs to be updated immediately. This bank is reporting XX/XX/XXXX and XX/XX/XXXX as late payments however, according to the fair crediting act, US code 1681s- 2, reporting information during covid19 pandemic the covered term period began XX/XX/XXXX through the ending on the later of 120 days after XX/XX/XXXX. This closed collection account is also reporting an incorrect monthly payment of XXXX and the status of the account says 'current '. Due to the multiple errors this account is reporting, please remove this account from my report indefinitely.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  &  XXXX / XXXX / XXXX  Are just a few of the dates I 've sent Letters of Dispute to Ocwen/ XXXX   XXXX  re : Disputes on several Descriptions on Payoff Quotes. I 've provide d Proof of Payments from my Online ban king with  XXXX  and still had to pay the disputed amounts on  XXXX / XXXX / XXXX  to clear title and close home without going into  Breach of Contract for  not closing on time.     The amounts disputed are on the  XXXX   XXXX   XXXX   XXXX   Seller 's Statement : {$3900.00} owed for interest, which, again, I provided Proof of Payments, Escrow advance of {$340.00}, {$600.00} Projected Property Inspection fee, {$270.00} Proof of Claim and adjust double charge on Ocwen paying Property Taxes thru  XXXX / XXXX / XXXX  and closing occurred on  XXXX / XXXX / XXXX  and title company collected for  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX .
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MS)

I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and santander consumer financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
Consumer complaint received 2017-02-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

PennyMac USA failed to pay our real estate taxes due XX/XX/XXXX. They told us that the local taxing authority told them it was already paid. Our local authority disputes that and said that the bank never called them, nor do they ever. I now have a delinquent notice which I faxed to them yesterday and they can not confirm that our taxes will be paid, nor when they will be paid. They only tell me the next scheduled payment is XX/XX/XXXX and they will try to get it escalated. These taxes need to be paid immediately. I 've spent two hours on the phone with them and I am at the end of my rope. The tax department does not take phone calls and they offer no assurance that I will be notified if and when these taxes are paid. Meanwhile, I am listed as delinquent with the local authority which is embarrassing as this is a small town. There is more than sufficient funds in escrow.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUHOME SOLUTIONS, LLC (SC)

On XX/XX/XXXX I sent email to my mortgage provider to remove my escrow account. on XX/XX/XXXX, they responded back that there was a {$250.00} fee to remove it. Since I did not find any fees listed in my mortgage documents, I requested the justification for the fee. They explained that it is policy to charge the fee. I again reminded them that I voluntarily opted-in for the escrow account and I do not have any fees listed in the signed mortgage documents so please to waive the fee. On XXXX, they insisted that it is required in order to opt-out of the escrow account.
Consumer complaint received 2022-09-06
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. (VA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXBalance : {$3900.00} XXXX XXXXXXXXBalance : {$0.00}
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I WAS AT THE BANK ON OR ABOUT THE BEGINNING OF XXXX I WENT TO THE BANK TO OPEN A CHASE PRIVATE CLIENT ACCOUNT. I FOUND OUT FROM A BANKER THAT MY CREDIT CARD POINTS WERE REDEEMED FOR CASH. I WAS SURPRISED AND WANTED AN EXPLANATION. THEY TOLD ME THAT I CALLED IN AND I TOLD THEM TO REDEEM THEM. I NEVER TOLD ANYONE TO REDEEM ANY POINT NOR CAN YOU REDEEM POINTS OVER THE PHONE. YOU MUST GO OVER THE WEBSITE TO REDEEM ANY POINTS. AFTERWARDS I WENT ON TO MY ACCOUNT AND SAW THAT THE OTHER XXXX POINTS WERE GONE. I REQUESTED AN EXPLANATION AND I AM NOT GIVEN ANY PROOF THAT I CLAIMED MY POINTS NOR WAS THERE ANY EXPLANATION WHAT HAPPENED TO THE REST OF MY POINTS. THE POINTS ARE WORTH APPROXIMATELY {$10000.00}.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (MI)

I Requested validation of this debt as allowed per the FCRA section 609 and the fdcpa.

Despite Previous correspondence the collection agency Lvnv funding LLC has only provided a billing statemen of the alleged debt, and has failed to provide the original contract.as me being a previous victim of identity theft. I always request all documents for my own file. Additionally, LVNV funding. LLC has failed to provide documented ownership of the debt, proof of their license or right to collect on the debt in my state, and proof of any previous payments made on the debt. Their failure to provide this information within the required timeframe is a clear violation of the FDCPA. Furthermore, LVNV Funding LLC has continued to contact me through true accord regarding this debt despite me requesting for them to cease communication. They are texting me as i type this .which i have documented. Their continued contacts constitutes harassment.moreover, LVNV funding LLC has even failed to report to the bureaus that the two alleged debts were in dispute.as such, I demand {$1000.00} for their non compliance and harassment. Additionally they are reporting a balance on a collection account. ( two collection accounts by them ( XXXX XXXX XXXX ) this is misleading and inaccurate reporting.LVNV has violated me in many ways. So i request they delete these accounts off of my credit report. Thank you for your prompt attention to this matter.