davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

We took a 6-month forbearance in XXXX through XXXXXXXX XXXX Immediately upon the end of the forebearance, we negotiated a loan modification to include the amount owed rolled into a new loan at a higher interest rate ( of course ). During the end of this loan modification process, Carrington bought our loan and has not updated our our account with the signed loan modification - even though we have provided the signed modification that is currently on our XXXXXXXX XXXX account website, along with our payment history. We have not missed a payment. 

Carrington also has documentation of us honoring the terms of our loan modification on their website but said administrative issues have precluded them from transferring the modification and updating our account properly. 

I have a signed copy of our notarized modification, and both XXXX and Carrington have documentation showing we have met the terms of payment. 

We would like to sue Carrington and XXXX for mishandling our loan modification and causing harm to our credit report and livelihoods.
Consumer complaint received 2021-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (TX)

I requested a loan from lending club at the beginning of XXXX for XXXX, the bulk of the money was to be sent to another creditor to pay them in full ( XXXX  XXXX  ) on XX/XX/XXXX with the difference being sent to me ( {$1500.00} ). The funds never were sent to XXXX, so I called and spoke with several people and was later told that they sent the funds to the wrong address. Someone was supposed to call me back after they researched the issue ... they never called. Later I received an email from XXXX that the funds were recived loan was paid in full etc. Great right.. three days ago I received an email that this check bounced from LendingClub. I called in and was hung up on by a rep, called back asked to speak with a sup ... never called back. I called in today and was hung up on by another manager. I later called back and was told that because they couldnt send the funds to the creditor ( which they did ... they stopped payment on the check without asking me ) that they wanted to send me the funds. At this point I had had it. I just advised them to calculate the interest for the funds that I did receive ( XXXX ) which should have had me paying them somewhere around XXXX but they didnt ... they made me pay the full XXXX to pay this loan in full, which I think is extremely unfair as I tried to make every accommodation to get the full XXXX but they didnt honor their bargain thus I never received the funds. I was calculated interested on a XXXX loan I never received.
Consumer complaint received 2021-09-16
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: BARCLAYS BANK DELAWARE (PA)

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

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : XXXX  XXXX XXXX, BRSCLYSBANKDE, and XXXX XXXX XXXX.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC (MO)

The Collection Agency, GC Services sent a letter that inclued PII regarding the estimated amount due on a state tax return to my husband 's ex wife. We checked with the state and her name is not affiliated in any way with our tax return. The state told us to have them cease and desist, however the damage is already done. Bottom line is they disclosed to my husband 's ex wife and her wife personally identifiable information and proprietary information, in addition to overstating the balance owed.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

Vance and Huffman LLC. has continue to contact and harass me into paying a debt of {$770.00}, I have not given this company written consent to locate any information on my behalf ; also such communication from a debt collector is prohibited because I cease and desist all communication. Reporting this fraudulent information to the credit reporting agencies is in violation of my federal protected consumer rights and all information shall be deleted permanently from your system. XXXX USC XXXX XXXX XXXX ) XXXX USC XXXX XXXX
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XXXX XX/XX/XXXX I applied for a refinance with Rocket Mortgage XXXX # XXXX. I was advised that I would receive a refund for {$500.00} for my good faith payment and XXXX towards closing costs. I closed the mortgage on XX/XX/XXXX and noticed the XXXX was put towards my closing costs instead of being refunded to me as previously stated. Additionally, I did not see that the lender applied credit for XXXX as previously stated on the closing disclosure. I called Rocket on XX/XX/XXXX to voice my concerns and was informed that I signed the documents and there's nothing that can be done. I feel that there are concerns regarding UDAAP and I was misled and would like the CFPB to investigate what transpired.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called XXXX XXXX XXXX regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXXXXXX XXXX XXXX I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.
Consumer complaint received 2022-08-03
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. (MS)

This is my 10th attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXT XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} EXXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2021-08-31
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)

Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Navient is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Navient is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Navient is in violation of 15 USC 1692h
Consumer complaint received 2022-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I have been struggling to finalize a loan modification with Ditech for 3 years now. I also filed a claim here XXXX XXXX # XXXX. Ditech has processed 3 modifications that were errored, collected undue late fees, incorrectly reported by interest paid in XXXX and continuously reported our mortgage past due when we have not missed a payment since the modification process. For a period of 3 years, they have harassed us with calls ( even after being asked to stop ) and cause extreme stress and efforts in trying to correct this. Even during the death of my son ( XX/XX/XXXX ) we had to endure the stress of Ditech inappropriately and inaccurately handling our mortgage process. I have spoken to them numerous times with no success. Their most recent action was " selling our mortgage '' to XXXX as delinquent ( 351 days, {$22000.00} ) when they promised they were in the process of final corrections before selling our loan. We have escalated the issue with XXXX  but are facing foreclosure on our home of over 20 years. I will attach all previous contacts, complaints, statements and communications with Ditech. Ditech deserves extreme repercussions on handling our account as well as we feel they financially owe us. Currently, we are just trying to save our home and bring it current as well as fix our credit reports. 
Thanks!
Consumer complaint received 2021-08-31
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 submitted disputes and an FTC report for a fraudulent account and hard inquiry. 

Equifax : Account - 1st Pt {$650.00} Hard Inquiry - Credit Plus XX/XX/19
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank XXXX XXXX are not allowing me to use my card despite my payment in FULL that posted to my bank on XX/XX/XXXX and an email from Synchrony stating that it is has posted and it also shows paid in full in Synchrony as of XX/XX/XXXX. It is now XX/XX/XXXX and it has shown paid in full since XX/XX/XXXX, yet I am STILL not able to use the card. There is no appropriate support for this issue at ALL.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (FL)

Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Perfection Collection Opened XX/XX/XXXX - {$4500.00} Original creditor : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 )  costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP (CA)

This is a cumulative and extensive history of harassment that has continued since XXXX by XXXX XXXX, XXXX XXXX XXXX, Aldridge Pite , LLP and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to collect a paid-in-full debt from my parents estate. I have filed on the record extensive paperwork in regard to my private property in XXXX XXXX, Arizona. The debt was discharged in full and paid. XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX, XXXX. double dipping securities for funds, committing fraud and working in collusion with XXXX XXXX XXXX XXXX XXXX in Arizona have continued to find ways to break and enter my property through different companies, harass me, engage several companies to aid and abed to Securities Fraud and ignore documentation in honor to attempt to resolve this matter. We had the opportunity to resolve this matter peacefully and in honor and now I will and/or have filed with the Arizona U.S. District Court XXXX IRS, CID, Postal Inspector General, Treasury Inspector General, XXXX, SEC, FTC, CFPB, DIFI.AZ.GOV and others if necessary. I have extensive correspondence, recorded documents and exhibits aside from what is attached hereto in regard to these executor de son tort actions against my parents ' estates. My Affidavit Commercial Complaint against 6 corporations ( there are more involved ) includes Civil Rights Violations, Trespass & Harassment, Consumer Rights Violations, Violation of the National Currency Act of 1863 & 1864, 12 U.S.C. Sec. 38 the National Bank Act of 1863 & 1864, Title 18 U.S.C. Sec. 641 Unlawful Conversion of Public Records, Theft of Property, Title 18 U.S.C. Sec. 241 & 242 Conspiracy Against Rights, Title 42 U.S.C. Sec. 1866, 1983 and 1985, FDCPA Violations, Act of Eminent Domain Violations, AZCPA Violations, Scienter Act Violation and finally Securities Fraud. These companies include Aldridge Pite , LLP and/or d/b/a Clear Recon CorpXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along XXXX XXXX XXXX XXXX as XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-08-31
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: JPMORGAN CHASE & CO. (IN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

On XXXX, I rented a vehicle from XXXX XXXX XXXX  thru XXXX. The bill clearly states airport concession fee recovery which I paid up front. Also, it states that all mandatory fees and taxes are included ( see attached ). Upon arrival at XXXX pm on XX/XX/XXXX the XXXX counter was closed and I could not receive my vehicle. The next morning, I went back to counter and had to give them my XXXX XXXX card for possible damages. When I returned home I noticed they charged me again for the concession fee. I then did a charge back with XXXX and they agreed and denied the charge.I attempted to talk to someone and even was on hold for 90 mins and phone disconnected. I just received a letter from a debt collector for 62.00 for the fees I already paid. I have a XXXX XXXX XXXX and am fearful they will attempt to ruin my credit. Please help
Consumer complaint received 2019-10-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-09-16
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (IA)

My XXXX XXXX XXXX student loan was set to come out of forebearance and begin repayment on XX/XX/XXXX. The current servicer of this loan is University Accounting Services ( UAS ). I made my first call to UAS on XXXX, since I noticed on the first bill they sent me the first payment was for the full amount of interest in the amount of {$1200.00}. I asked them to add that on to my principal balance because I could not afford that kind of payment all at once. The team lead I spoke with assured me that they had to look into this but would get back to me within one week. On XX/XX/XXXX, I wrote them an e-mail to follow up since I had heard nothing, again the response was we are still working on it. I have since heard nothing despite contacting them again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They claim that XXXX XXXX XXXX the original creditor has to make this decision and has not gotten back to them, they both have literally had almost 5 months to respond to my request. My concern is they are reporting this to the credit bureaus as late or past due or not paying as agreed, which will then negatively affect my credit scores. I am fine payinig what I owe within a reasonable monthly payment, but I can not afford to make a {$1200.00} payment all at once. We are in the middle of a pandemic and inflation is quite crazy for basic things like rent, food and gas. This is poor service from both XXXX XXXX XXXX and University Accounting Services. I need a resolution ASAP.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase have closed my checking account. I have a balance of over {$9000.00}. and despite the fact that Chase have closed my checking account they have refused to send a check for the cleared available balance in the account and have been giving me the run around