davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

This is a follow up complaint with regards to The Estate of XXXX XXXX. There was a partial claim on her property which was never recorded. I spoke with a legal representative from XXXX  XXXX and Rushmore during remediation and we were informed that they would be paying the partial claim directly. Today I received a call from Rushmore Mortgage stating that they just recorded the partial claim and I have to call HUD directly for the payoff information and where to send the HUD payoff. They gave me a phone number of XXXX. This number belongs to a company called XXXX. They are causing mental distress for all involved with the sale of this Estate and their ignorant and uneducated representatives do not make this easier. During a recorded call with XXXX  XXXX, they stated the payoff including the partial claim. They now record this XXXX  years later. I need to know whether this partial claim is legal since it was never recorded. Please be advised that the Beneficiary of this estate is a Servicemember  of The XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-10-18
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. (AL)

I have tried on three separate occasions to have this banckruptcy corrected and removed I disputed this banckruptcy because it was never verified. When I disputed the banckruptcy i received a letter back saying first it was verified through the courts and then one saying it was verified through a third party. I sent in documents showing that it was in fact never verified and each time I asked for documents proving that it had been verified I only got letters stating it was verified never any proof.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CASHCALL, INC. (LA)

XXXX XXXX of XXXX contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (WA)

Company bought up mortgage from another company. As they are supposed to do, they did a escrow review, however, they used false and misleading numbers, thus triggering a refund of a portion of my escrow. I called them, and told them I believed they used bad numbers, they did n't care. Company then within 2 months did another review of escrow, this time they used real numbers, found I was going to be underpaid by a little less than the refund, and now are charging extra for the shortage as well as increased my escrow as I should. 

Complaint is that company did not handle escrow reviews correctly by using the false numbers on the first review, and if they would have, they would have easily left my escrow amounts alone, not causing me extra payment amounts to cover a self-generated shortage.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX I called back the collection company, ALDOUS & ASSOCIATES Atty at Law XXXX XXXX XXXX XXXX, UT XXXX XXXX, and had a conversation for about XXXX. and XXXX seconds in an attempt to find out what this call was regarding. The individual hung up the phone call with me. 

XXXX XXXX XXXX XXXX XXXX XXXX I called back and again attempted to obtain information regarding this account. I had a conversation with the person for XXXX. and XXXX seconds with the receptionist again hanging up on me. 

I have never received any letters from this company but received emails that I responded to numerous times and have them documented. They responded after my 4th attempt to call them. I was unable to as I been unsuccessful in the past. I requested in the email communication to send me a letter with any correspondence at this point to no avail.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

A merchant submitted an ACH 2 1/2 weeks after the transaction occurred. The bank reversed all my already posted transactions, apples the two week old transaction then reapplied my already posted transactions charging me in excess of {$90.00} in overdraft and will be charging me additional overdrafts for the reversal. When asked, they could not assist. The call was recorded and upon transfer the call was dropped. I then return call and asked them to refer to system notes. Representative advised there were none and that they do not keep account servicing notes. XXXX calls have been recorded by me XXXX
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

The state of my credit report is profoundly troubling, and my dissatisfaction runs deep. It's not just highly embarrassing ; it's clear that either you or the company is accountable for reporting this inaccurate information. I have never been lateI consistently make timely payments.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (NC)

I had a psycho roommate who stole a bunch of my stuff and didnt pay her cleaning fees but I paid my part. I have been telling them since may to stop contacting me as I dont owe them a dime. I constantly am getting calls and emails. On Friday XX/XX/2022 I received an email from them at XXXX est I tried to unsubscribe but link is unable to do so as well. Also I never gave them permission to email. My phone number is on the do not call list as well. Its been almost a year and Im fed up.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (TN)

I have had an credit card account with US Bank for a few years. I wanted to add my husband to the account as an authorized user.We filled the paperwork out two times at the branch. 
On or around XXXX XXXX, 2016 a representative from US Bank called to explain that we would have to reapply for a credit card with a joint account. I asked if it would hit my credit and said yes. I told them absolutely not and withdraw the application. Both my husband and I have fraud alerts on our credit files. Even though I told US Bank no, they ran both of our credit on XXXX XXXX 2016 through XXXX. I have called the bank and they told me I have to write a letter containing my account number to The credit bureau disputes address. We have been a victim of fraud and I will do no such thing. US Bank need to remove the unauthorized hard inquires from our credit reports.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OR)

I am the President of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OR XXXX. XXXX XXXX was abandoned by the owner and she stopped paying assessments to XXXX XXXX effective XXXX XXXX which now total almost {$10000.00}. The lender secured the unit and filed a Notice of Foreclosure on XXXX XXXX, XXXX but has failed to complete the foreclosure.
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I run a small business and have been banking with regions bank for a few months what a huge mistake at times my account has a low balance and they take advantage by reordering large transactions over ver small ones so they can collect large fees at times a few Small transactions that total less than XXXX dollars have cost me over XXXX in fees if they would process as the items came in this would never happen this is a huge scam
Consumer complaint received 2017-10-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.
Consumer complaint received 2016-07-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending (VA)

I would like to know why my genesis loan I got back when I attended XXXX in XXXX, PA in 2012 was not part of the XXXX dollar discharge that the CFPB won in federal court. I got a letter in the mail about this event and it said I should hear something about my loan in the next couple of months. In the meantime my private genesis loan was being sold to another loan company to avoid the discharge of my loan. So I went from Genesis Lending Services to XXXX XXXX XXXX which is under University XXXX XXXX XXXX. I would like to know why my loans with Genesis were n't apart of the lawsuit and if they were part of the lawsuit then why were my loans sold to another lender shortly after the news of this lawsuit became public? I would like some clear answers about this matter.
Consumer complaint received 2022-02-11
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. (PA)

There is a account under XXXX XXXX reporting to my credit profile. I am not responsible for this account. Please investigate the info reporting. If youre unable to verify, please remove immediately. I have disputed previously.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hello everyone! XXXX you're all safe and sound. badly need your help, my bank XXXX XXXX XXXX was acquired /merged with XXXX XXXX XXXX and they changed everything without my knowledge. I had had an automatic payment set beforehand and therefore incur a late without my knowledge. This is very unfortunate cause they are reporting it late 30 days on XXXX which is unacceptable for me. I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Our  CapitalOne a ccount was charged {$12.00} on  XXXX  ,2017  for a trial offer from  XXXX  which we paid and canceled any future shipments. Then beginning  XXXX / XXXX /  XXXX   the statement was charged {$110.00} so we called  CapitalOne and was put on a 3-way conference call with a rep. n amed  XXXX  from  XXXX  who gave us cancellation confirmation numbers and we returned any products shipped, but when we got the  XXXX  statement after being told the charges were being reversed, another {$180.00} was added back, plus interest. We had written the vitamin company, spoke to supervisor s at CapitalOne and sent documentation to all and even asked CapitalOne to close out the old account and give us a new number to avoid further charges ; however, they are still adding the charges to the NEW account now! Our balance continues to increase along with the monthly payment in spite of our compliance in doing everything possible to dispute the   XXXX   offer. Our next option after complaining to the FTC and General Counsel will be to sue.
Consumer complaint received 2024-01-25
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2022-02-11
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc. (CA)

On XX/XX/2020, I disputed the accuracy of two late payments on this account. The payments were not processed due to a change in their automatic payment system. I have called multiple times as well as disputed these inaccuracies. I have not been able to get this issue resolved with the company.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: Resurgent Capital Services L.P. (NV)

I was contacted from a company " LVNV Funding '' about a credit card account from XXXX XXXX, that was sent to their office for collections. They gave me the credit card # but were not able to give me any other information. I explained to them that I did not open an account with XXXX XXXX, nor did I have any knowledge of this account. The time period that they said it belonged to I know for absolute certain it was not me. I then got a copy of my credit report and sure enough this account is on there. I know that I have disputed it more than once but they always say they will send me a letter, and I never receive anything. This account is not mine and can not be verified to be mine.
Consumer complaint received 2020-10-18
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: Experian Information Solutions Inc. (PA)

I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2015-09-10
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I Was notified XXXX was selling our loan to Penny mac. We were contacted by penny mac saying Welcome .also to let us know we were available to receive a streamline loan and save us money! I made it clear ... sure if our payments were lower and no money out of our pocket. The gentlemen which we do have the name of assured us after some time yes he could save us about XXXX a month and nothing out of our pocket. We gave an application over the phone and sent XXXX dollars. 
After much back and forth ... ..A confirmation was sent saying good to go ... .there would be about around XXXX. closing cost for us. ( Please do not quote the amounts I am giving you ballpark ) I immediately contacted them and said NO you said nothing out of our pocket, cancel the loan. 
They said they would get back to us ... ..came back and said good news payment saves almost XXXX bucks a month and no closing. We closedOur first payment was due and there was another fee as well after calling Found out no taxes for escrow were ever accounted for. We were already next month going to be XXXX in the red for our escrow acct. They say they are going to up our payment to cover XXXXdivided by XXXX.I am not well and I certainly would never refi. to pay a couple of XXXX more! Rate no lower, payment higher this is predatory lending. We need help! We also feel strongly that we were discriminated against because we are both XXXX. We want to reinstate prior loan w/same payment. We are in fear of losing our home The XXXX of this matter is starting to further affect our health. 
Thanks XXXX and XXXX XXXX
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-10-18
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: EQUIFAX, INC. (PA)

I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXXXXXX XXXX  XXXX  ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-10-18
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: EQUIFAX, INC. (DE)

This is related to charge off and due balance on my account with XXXX XXXX XXXX XXXX   Which still indicates a balance and then charge off but it was miscommunication on late fees which was never supposed to be applied They realized error and promise that they will correct it. But this is still showing up on my credit report. This is showing as a negative item and adversely affecting my credit rating. 

This has been shown negatively by all the three credit bureaus including Equifax/XXXX