davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I placed an online order with Kohls.com on XX/XX/2021. Order was not rec 'd by XX/XX/XXXX so I called Kohl 's to track it. Was informed that package was lost and order could not be replaced as items were out of stock. Was promised a full refund that day. This did not happen. I have subsequently called Kohl 's every week regarding my credit and have been promised multiple times ( with reference numbers ) that credit has been applied. This has not happened. As of today I have spoken to 28 different customer service people at Kohl 's who have all promised me that credit has been applied to my account. This has not happened. Instead I have been sent to collection 3 times for a bill I don't owe. They have apologized for their error and removed collection fees and interest each time while also promising that the credit was done and I had a XXXX balance. Unfortunately they don't do what they promised. I am at my wit 's end and don't where to turn. What they are doing is against the law and I would like something done about it asap. 
I have never been late on a bill in my life so this is extremely disturbing to me.
Consumer complaint received 2021-12-27
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: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2021, I received a letter appearing to be from Navy Federal Credit Union. The letter appears to be a response to an account with them. As I have never opened an account with said company, I contacted them. 
On XX/XX/2021, Navy Federal Credit Union reported this account to my credit report. On XX/XX/2021, Navy Federal Credit Union reported this account as valid. On XX/XX/2021, NFCU not only reported this as valid, they reported it as delinquent and that I owed {$12.00}. This report caused financial and emotional distress as my XXXX and credit report reported a negative thus, dropping my score drastically. 
XXXX XXXX XXXX XXXX has not been successful in solving this issue.
Consumer complaint received 2021-12-09
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX Balance {$1000.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXX-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$450.00} XXXX Balance {$410.00}
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (RI)

I sent a Dispute letter on XX/XX/2021 and XX/XX/2021 stating that an old account was over 7 years and I sent proof of that, the company has change 3 times of information to stay on my credit report and when I ask why, Experian just mention that this company is right and it will stay on my credit file for longer, even thought is over 7 years old, is closed and never sent me any evidence that they investigated or received anything from this company
Consumer complaint received 2021-09-24
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. (TX)

I filed an FCC Identity Theft report and forwarded the documents to Equifax. By law, The entry must be removed/blocked within 4 days of the Bureau receiving the documents. Equifax received the documents by USPS certified mail on XX/XX/21. The date as of today is XX/XX/21, yet Equifax refuses to comply by FCC and FCRA compliance laws and block the accounts.
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My loan was originally serviced by XXXX XXXX XXXX. After the coronavirus forbearance concluded, I applied for a loan modification with them and submitted a facially complete application and was approved for a loan modification on XXXX XX/XX/2021. Three trial payments were to be made by XXXX XX/XX/2021, XXXX XX/XX/2021, and XXXX XX/XX/2021. I submitted timely payments to XXXX XXXX XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. My loan servicing was transferred to Freedom Mortgage on XXXX XX/XX/2021. I then made the final trial payment on XXXX XX/XX/2021 to Freedom Mortgage, completing the requirements of the loan modification agreement. However Freedom Mortgage has refused to honor the loan modification agreement, and on XXXX XX/XX/2021 started a new loss mitigation process and is requiring that I start the process over. This is in direct violation of 1024.41 which states : An application that was facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferor servicer remains facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferee servicer as of the date it was facially complete with respect to the transferor servicer. If an application was complete with respect to the transferor servicer, but is not complete with respect to the transferee servicer, the transferee servicer must treat the application as facially complete under 1024.41 ( c ) ( 2 ) ( iv ) as of the date the application was complete with respect to the transferor servicer. 

I called Freedom Mortgage on XXXX XX/XX/2021 XXXX Central Time to discuss this matter, and after 83 minutes, was advised I would need to complete their loss mitigation packet. These deceptive and predatory practices are intended to harm the consumer, and I am sure that I am not the only affected consumer and fear many others will be adversely affected by Freedom Mortgage.
Consumer complaint received 2022-09-24
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (LA)

After the complaint about the unfair practices that Credit Acceptance, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen my Identity associated with the last 4 social security number, XXXX, has sold my information to 3rd party debt collectors violating my consumer rights through the 15 USC 1692, 18 USC, 8.

The unfair practices continues to affect my credit score negatively.

These companies are committing identity theft. Please remove these inaccuracies.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (NJ)

I was informed by my bank that someone had opened an online bill pay banking account and opened credit cards under my name in different states with my persona profile such as social, DOB and other personal information. I have also been denied credit card due to this identity fraud and I need all the credit bureaus to please be informed of this occurrence so that I can be better protected. I am an elderly and they have even taken my social security money and need help protecting myself against these thief 's. Thank you for your help.
Consumer complaint received 2021-09-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

I received correspondence from National Credit Adjusters that I owed over {$1000.00} for a loan by phone taken out in XXXX. I disputed the account and they came back saying I owe them the money. After receiving countless communications from the company I recently agreed to a settlement amount of {$560.00} to be drafted out of my account the same day on XX/XX/XXXX with a promise to cease all collection efforts and report the account as paid in full. However, today I received a letter requesting the remainder of the balance and the account is still showing that I owe half the amount on my credit reports. I would like to report the company first for fraud, I never received or got a loan by phone ever, and either they can repay the money they agreed to accept in settlement or remove this item from my credit reports.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America breach of contract. 
There is a hug scam going on with Bank of America and scammers pretending to be Bank of America customer service associate, these scammers have account holder send money to themselves using XXXX, instead of the money going to the individuals accounts, or reading error it magically goes to their scammers account, without using their email or phone numbers. 
They even used a Bank of America customer service number to achieve their goal. 
Here 's the dilemma XXXX and Bank of America has the statement saying 1 email and 1 phone number per account, you can not send money to yourself it will be block, but somehow these hackers found the way around, which is no fault of my own nor my responsibility. I've been battling this for about 2 months I have not received my money back, despite the fact of a banking error. 
I received a call XX/XX/XXXX around XXXX XXXX some a scam/ fraud artist, claiming to be a Bank of America associate. The individual was really convincing and the individual walk me through the usual protocol that Bank of America uses for customers to properly identified themslefs. They told me they receive alerts from my bank card being used atm in XXXX GA. 
They told me that they were going to shut my card down, and in order to use funds for emergency usage I needed to XXXX money to myself using my own email, upon interaction with scam/fraud aritist it sounded kind of strange, but looking at the caller ID it was the actual customer service number Bank of America uses , when I asked to speak with a manager, the scam/fraud artist made numerous excuses on why not to, so I called Bank of America myself and spoke with a supervisor about this new protocol they're doing, I was informed that this is something Bank of America do not do , by that time the payment was already sent to my email, I was told by the fraud department that this is a new scam that is currently going on now and there looking into cases that are similar to minds, each week I've been following up with Bank of America involving my claim .

Believe that the scam artist probably once worked for Bank of America at some point or some time because that engaging was really smooth The fist contact was XX/XX/XXXX went the first took place issue, I immediately called Bank of America and filed a claim, Than I took a more aggressive approach specking with ( Managers/Supervisors ) I have spoken with the fraud ( Manger : XXXX XXXX badge number : XXXX ) XX/XX/XXXX and Ive spoken with a ( Higher Supervisor in the Fraud Move Money Operation : XXXX XXXX ) XX/XX/XXXX in which he claim he sent multiple emails to different high level manger but no responds. While following up weekly with different customer service associates, Whom I have no name or badge numbers.
Consumer complaint received 2022-04-23
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-24
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. (GA)

I have asked the ( 3 ) credit bureaus to do a thorough investigation and continued to find improper discrepancies, as my rights have been violated. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX Account number XXXX 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 602A It also states a consumer reporting agency can not furnish account without my written instructions. 

The record continuously shows verified with no update in status date of verification and or providing improper discrepancies.
Consumer complaint received 2022-04-23
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. (OK)

In accordance with the Fair Credit Reporting Act, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX
Consumer complaint received 2022-09-24
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. (PA)

Someone opened an account with XXXX XXXX  using my information I have disputed this with XXXX  XXXX, collection agency and TransUnion. 
I have demanded proof of the original contract proof of my driver 's license or other Identification used to verify my information.

No one is providing information to me I didn't open the account
Consumer complaint received 2022-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (AL)

On XX/XX/XXXX I lost my husband XXXX XXXX XXXX. I notified the mortgage company, SN Servicing of his death. His was the only name on the mortgage. I wanted to take over the loan and get a loan modification since I would no longer have his income to pay. I don't recall the date I contacted them, but spoke to a gentleman named XXXX who assured me he would get the paperwork I needed to me. My husband and I were in bankruptcy at the time of his death. I did not receive any paperwork. I continued to pay the mortgage as best I could while dealing with social security on another matter that affected my finances. The mortgage company contacted the bankruptcy attorney and stated that I had not been making payments. I pulled the online documentation showing that I had made the payments in question. In XXXX of XXXX, I voluntarily dismissed the bankruptcy case to try and get a favorable deal with the mortgage company or find another company. I was contacted by XXXX XXXX from SN Servicing. She did send me the paperwork that was needed to modify and take over the loan. She stated in our phone conversation that the company would not reduce the interest of 12.6 % on the mortgage. I completed all of the paperwork and returned it to the company. I was sent an agreement that increased my payment from {$1100.00} a month to {$1500.00} a month. This agreement included my huband 's ex-wife 's name. I signed the agreement for myself and notified them that she had signed a quitclaim deed when they divorced. I was contacted and told I had to send a copy of the quitclaim deed. I did so and made the {$2000.00} good faith payment. I have attempted to make the payment and was told that I had missed my 1st payment to them. I have a son who receives a survivor benefit from his father 's death, but he will turn XXXX  in four months and graduate XXXX  school in 7 months. This income will no longer be a part of the money we have to pay bills. I am struggling to pay bills because of this payment plan. I have attempted to get a mortgage with another company, but am unable to do so because of late or missed payments to SN Servicing.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX at XXXX I went to the Bank of America ATM in XXXX XXXX Florida to make a payment on my credit card the payment amount was {$130.00} I made a deposit payment of {$130.00} the ATM gave me back a receipt and said it could not process my request and the receipt had the number XXXX it had a number and said it could not return my money and I would have to call the Electronic team at XXXX XXXX which I pulled over and immediately did the agent Said they could take my compliant but could not do anything to help me.Because this was after banking hours I gave the agent all the information and went home the next morning I called and was told That it was being investigated and that I would have to call back in about a week which I did on XX/XX/XXXX I called and an agent again said there was nothing he could do it was still being investigated I have been with Bank of America since XXXX and never had an issue like this A payment from that account was for my cellphone payment of XXXX that amount was refunded which made my balance XXXX since the bank took my XXXX payment deposit of that amount once the mistake is corrected and my funds are adjusted there would be a difference of XXXX owed back to me this is. New credit card the payment due date is for XX/XX/XXXX I was paying it earlier than it was due the agent I spoke with said they have to send someone out to collect the money from the ATM once the over payment amount of funds is calculated I would be given my money back or in this case the balance after the payment to the account is made I have never had a late payment or missed payment to any of my accounts I was told by that agent that any reports to the credit bureaus would be corrected by them that it could take up to 2months to correct it and issue my refund when I contacted XXXX XXXX XXXX and XXXX they informed me that isnt true and that once it is reported it will never be removed.Like I said I dont know how this bank can take 2 seconds to take my money but 2months to give it back and correct there mistakeI need this Documented and if possible someone from cooperate to resolve this I am at the point were Im ready to close some of my accounts with Bank of America its not fair as a loyal consumer I have to have this inconvenience of having to not only fix the payment but also deal with my credit being affected by there mistake.Other consumers need to be aware of this happening to them
Consumer complaint received 2022-11-01
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (KY)

I contacted Amsher Collections Services on XX/XX/2021 and they responded with a bill attached stating I allegedly owed {$1500.00}. The amount appears to be incorrect as my last bill with XXXX was a different amount of {$1400.00}. Why is Amsher reporting inaccurate information? Im skeptical that the company can not accrue interest or else the debt is not owed to this company at all. Then they attached a bill they sent to an address in Georgia. I live in Kentucky. Doesnt seem to be a reputable company if its inaccurate! I want it removed immediately. This company has been very aggressive and harmed my credit.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (GA)

Creditor : Nationwide Recovery Service Original Creditor : XXXX XXXX XXXX Debts : {$250.00} {$180.00} {$150.00} Nationwide Recovery Service contacted me via telephone on XX/XX/2021 to inform me of an outstanding bill from XXXX XXXX XXXX in the amount of {$150.00}. I requested that the send me information in writing so that I could verify the debt. The company emailed me a correspondence on XX/XX/2021 with how I could access information and get the debt verified ( see attachment ). The email said that I had 30 days to request that the debt be verified. 
On XX/XX/2021, I received an alert that Nationwide Recovery Service had reported three collections on my credit file with XXXX and XXXX. The representative never said I had three accounts and the correspondence they emailed me was for one account ; however, Nationwide Recovery Service reported three separate accounts to XXXX and XXXX. 

I was not given the lawful time to get this debt verified before they reported it on my credit file. The company did not stop collection activity until it provided the required verification nor did they allow me the opportunity to even request a verification prior to them reporting it. 

I reported to the company that they had a previous address incorrect and that the name on the account was also incorrect.