davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NV)

I submitted to request to LJ Ross for validation of the debt. I submitted it via certified mail and I received the signature card back so I know they received my letters. However, I not received any response and it's been over 45 days for the first letter. I'm requesting validation as per the Fair Credit Reporting Act for this debt they are trying to collect on. You are required by law to answer my request and provide me with this information.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (MA)

In XXXX of XXXX I received an incorrect Annual Escrow Analysis from Cross Country Mortgage resulting in an overpayment of over XXXX dollars a month. I have, however, continued to make these payments in this erroneous amount. 

I have contacted the mortgage company multiple times since XXXX oXXXX XXXX via phone and email. When I call I am told that I can not talk to the escrow department because they do not take calls. I am then given an email address to send documents to which is only replied to with a " no reply email ''. 

To remedy this situation I have asked to have my escrow waived, that request has been denied. I am being forced to overpay because of a miscalculation on the lenders behalf which after XXXX months has not been corrected, despite my efforts. I am essentially being extorted by XXXX XXXX, if I do not continue to pay this erroneous amount, I risk destroying my credit and losing my home.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX XXXX XXXX XXXX has fraudulently reported information to Chexsystems under account number XXXX. XXXX XXXX from XXXX XXXX knows there is a dispute in progress via a legal proceeding pending and he reported this to Chexsystems anyway. I am requesting that Chexsystems call XXXX XXXX at XXXX and ask him if there is a legal pending dispute regarding this account. When XXXX XXXX tells you yes, I am requesting Chexsystems remove this derogatory information from my file immediately. Sincerely XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX phone XXXX last four of social for  XXXX XXXX is XXXX and last four of social for XXXX XXXX is XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have noticed that XXXX XXXX has been reporting inaccurate and incomplete information to my consumer reports. i have sent dispute letters to both the furnisher as well as to the reporting agencies notifying them of the inaccuracies. the accounts have been investigated and verified as accurate. however i have not been provided the investigation reports, the information is clearly reported inaccurate and incomplete but yet it remains on my consumer reports. The assumed responsibilities of the CRAs is to promote fairness, accurate and complete credit reports, and as data furnnishers it is their legal obligation to provide accurate and complete information. After multiple disputes and challenges, no changes or deletions have been made, negatively impacting my financial well being. the account needs to be removed and deleted from my consumer report. the wilful noncompliance by the CRAs and the furnisher of this data are in clear violation of my rights, criminally liable to charges for each violation. Correct my consumer reports and hold violators responsible for the damages done.
Consumer complaint received 2022-09-12
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. (NJ)

I HAVE REACHED OUT TO TRANSUNION FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO TRANSUNION. THOSE ACCOUNTS ARE EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX TRANSUNION HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX XXXX  XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( XXXX ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO TRANSUNION AS WELL. If TRANSUNION OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT court and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Consumer complaint received 2020-03-23
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. (OK)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX XXXX {$830.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

cease and desist contract was fraudulent the dealership collect down payment they have closed down sense the pandemic financial company credit acceptance still harassing me reporting inaccurate information on my credit profile for XXXX yrs XXXX  months
Consumer complaint received 2021-03-01
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. (OH)

On XX/XX/2021 I submitted a dispute request to XXXX, XXXX  and Transunion as I successfully identified some inaccurate information on my consumer credit file. On XX/XX/XXXX I received notice that my disputes were opened on my behalf, which is about 45 days from my initial submission. Today is XX/XX/XXXX and I have yet to receive an update.
Consumer complaint received 2018-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

To whom it may concern good afternoon I have a huge issue with Ditech XXXX account number of my loan is # XXXX The phone number is XXXX and their address is XXXX XXXX  XXXX XXXX XXXX Washington, XXXX XXXX United States On XX/XX/2017 I had to call Ditech XXXX to found out what my pay off is, they told me a payoff of {$1800.00} they also told me that the company policy I could not make the payment like I normally do on the computer or online I would have to mail my check with the payoff letter that they were going to send me in the email to a different location office on XXXX XXXX in XXXX Illinois the letter that they sent me was generated on XX/XX/XXXX I got the letter in the mail I cut a check for {$1800.00} for the pay off amount which you would see in my evidence file Im forwarding to you come to found out on XXXX XXXX the second day they generated the payoff letter my payoff had increase because they decided to pay my property taxes for XXXX XXXX of XXXX XXXX when they got my {$1800.00} check they never cashed it, I got call from them In the middle of XXXX telling me that I was delinquent on my mortgage when I question why so they told me that the payoff had changed I ask them why did not you and please cash the check I wouldnt of been late on my XXXX payment plus I never instructed you to pay my taxes after me paying off the whole loan with you We have no more business to conduct together they kept telling me that they will have a manager contact me and XXXX this matter out never heard from anyone what there are trying to do to me now Is ruining my life and Report to the credit agenciesmy XXXX payment is late Please I need you help this is a company if you look them up they are currently under two different class action lawsuit because what they did to me they did it to many other consumers I have paid these people XXXX payments perfectly on time never missed one in at the last payment they trying to my life Please please help me I was not late on the last payment in the evidence you would see a copy of my check
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They don't even have proof that the debt is mine. I have not received any piece of information such as a contract with my signature etc. Even when i asked for validation they did not provide any at all. Since they haven't done so within the 5 days required by law i demand this be removed from all of my consumer reports. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Check Recovery Bureau, Inc. (AZ)

I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (TX)

I am behind on my mortgage due to medical reasons. I called LoanDepot on XX/XX/XXXX to see what my options were. I was told that if I could come up with a large sum of money by XX/XX/XXXX then I could set up a repayment plan and avoid foreclosure. I saved and borrowed money for weeks and called them back today ( XX/XX/XXXX ) for them to tell me " Sorry, your mortgage is already in active foreclosure and basically there is nothing you can do about it. We have had this issue of inconsistency with LoanDepot before and it caused even more of a delay of being able to pay our mortgage. I feel that I am being taken advantage of due to the lack of knowledge of the staff at LoanDepot.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

OnXX/XX/2020we refinanced our mortgage and paid in full the mortgage to Roundpoint Mortgage Servicing Corporation, XXXX XXXX XXXX, XXXX, NC XXXX. 

I am due an escrow refund in the amount of {$4400.00} and understand this was to be received by me within 20 business days ( or 30 calendar days? ). 

On XX/XX/2020 I logged on to my online account to review transaction history and the account indicated that my escrow was disbursed onXX/XX/2020 

On XX/XX/XXXX, I received a letter from Roundpoint indicating my mortgage was paid in full and a copy of the Mortgage Release Satisfaction Discharge was included. 

As ofXX/XX/2020 I had still not received my escrow refund. I called Roundpoint, spoke to rep in escrow dept. The rep told me my check was mailed on XX/XX/2020. I explained that if it was mailed on the XXXX as she indicated then I should have received my check by the XXXX. She told me to wait another day. 

XX/XX/XXXX - still no escrow refund check from RoundpoinXXXX. Called the escrow dept. again. I requested that a replacement check be sent to me via overnight with tracking. The rep refused and told me to wait another day. 

XX/XX/XXXX - Today, still no escrow refund check from Roundpoint. I believe Roundpoint is withholding escrow funds for longer than what is legal. I am asking for any assistance to help resolve this issue with Roundpoint Mortgage.
Consumer complaint received 2020-08-20
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. (CA)

XXXX XXXX and XXXX XXXX have put two separate debts with a collection agency, thus negatively affecting my credit. 
Neither of these accounts refer to me, I have never lived at the addresses, or indeed in the states referenced. 
I have been unable to contact either company, who seem to be expert at dodging calls. 
I have filed a police report stating XXXX, which I have sent to the credit reporting companies.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Service Bureau, Inc. (TX)

I never received any information regarding this debt. The collector said they mailed something to me, I never received it. Once I received the bill all it said was the amount, and not what services or any information regarding debt. I told them it was identity theft. They automatically wanted to talk to my attorney. They would n't take mail me the information as a response. I am not going to just give out information. My identity was stolen. I mailed them a letter stating my identity theft, and asking for all records retaining to my debt. They will not comply and keep contacting me.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

I understand that i owe on the bill. Ive been making payments yet they just keep i feel harassing me. I got rid of my phone i can not call them i keep writing to them or contacting them through their website since XX/XX/2018 they wont help me. Its Synchrony bank. I think it's worth looking into them they probably doing it to everyone. I just don't understand how a company like this can not work with people. I know i owe I'm not denying it but i also can't afford the balance I'm just asking them to work with me
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ORO OC, LLC (TX)

My bank account was drafted by a third party loan forgiveness servicer and I was led to believe this was the US Department of Federal Student Loan Forgiveness. However, I received a call from the US Federal Student Loan Forgiveness program they informed me that I have been paying a 3rd party fraudulent loan forgiveness and they have deducted from my account since XX/XX/XXXX and  none of my loans were paid toward the actual loans held by the US Department of Federal Student Loan provider. The fraud providers company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. I  have reached out to my bank to stop future payments to XXXX XXXX XXXX. Now I have to move quickly so I don't get removed from the loan forgiveness program with the US Federal Student Loans. I am not sure if the will return my money but i have lost {$49.00} a month since XX/XX/XXXX or XX/XX/XXXX. Please stop these companies from taking advantage of hard-working people trying to pay off their student loan debt. I am grateful for my education and i work at a XXXX here in XXXX. Please help - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was targeted and discriminated against by capital one credit card company. They placed my account under fraud for the capital one credit card. The reason being that I my account was place indiscriminately under fraud is because of declined payments. At not time was there any complaint about the accounts or any outside contact stating the accounts I attempted to use were fraudulent. The only reason accounts payments did not go through is because of the pandemic and struggling with lack of income and when attempted to make the payments truly believed monies would be in the account but have had several delays form unemployment claim. Capital one even denied payment my husband attempted to make for me through his saving account even though the money was there. they denied me being able to pay balance with debit card due to being labeled fraudulent. Have made it very difficult to resolve the fraud label and did attempt several times to resolve there issues. And then finally closed my account stating i did not uphold to the ethics standard they set. This has negatively affected my credit, my ability to purchase reliable transportation and qualify for credit needed. As well as this situation has caused me humiliation at being labeled fraudulent / also pain and anguish at nt being able to understand why they are calling me a fraud when did nothing wrong other than have struggled due to national pandemic and issues beyond my control with my unemployment claim being paid out on time
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

This is a complaint against EXXON/CBNA has run my credit without my authorization and left authorization hard inquiry that impacts my credit so i submit a fraud alert on 3 credit report companies and identity theft EXXON/CBNA Oil Company Credit Cards Inquiry date : XX/XX/2019 2019