davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
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. (GA)

Experian is persisting to report an inaccurate bankruptcy on my credit report. On XX/XX/XXXX, they did not allow me to dispute the bankruptcy account because I had previously disputed this error. I have since received a response from XXXX the furnisher of the inaccurate information that the account has been deleted/removed. Experian is in violation of the FCRA in the act of continuing to report inaccurate information on my credit report. I even submitted the XXXX correspondence stating this bankruptcy has been removed. Unfortunately, Experian is not abiding by the FCRA rules and guidelines. The CFPB has the correspondence from XXXX, proving this bankruptcy has been deleted/removed ( Per XXXX ). Experian must delete this inaccurate account, and all accounts associated with it.
Consumer complaint received 2021-06-05
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)

XX/XX/2021 XXXX : Equifax credit reporting error XXXX account # XXXX On XX/XX/2021, I filed a dispute with Equifax for an inaccurate debt status on my credit report ( Confirmation # XXXX ). I provided them with a letter from the creditor XXXX XXXX XXXX, dated XX/XX/2021, that my account had been paid with no balance owed. ( See attached copy. ) Today, I received a response that they had confirmed the information was correct and left the account as a charge-off with an outstanding balance of {$21000.00}, which is factually incorrect and having a negative impact on my overall credit profile and score. 

Having received proof that an account was paid in full should be all that is required to update my account. Since they have not done that and do not seem to have a process to appeal their decision, I am forced to request outside assistance from the CFPB. 

To resolve this situation, my account needs to be updated to correctly show it has been paid in full and that there is a {$0.00} balance due. Shy of that, I am requesting the account be deleted from my credit profile and not allowed to be posted again. Clearly, Equifax has ignored factual proof that a debt was paid, and it has had a negative impact on a consumer.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MI)

On XX/XX/XXXX, at XXXX XXXX I received a notice on my phone that my chime savings was ready to open again. 
I tried to access my account and could not access the account. I called the customer service phone number for chime. I was told there is an account associated with my phone number. Then was told my account was closed. The recorded message said if I had any questions to email XXXX I emailed support and the reply was automated. Then I got another reply on XX/XX/XXXX that my account was closed due to a deposit agreement with Chime. They sent me a link to read over and I did not violate any agreement. 
XX/XX/XXXX I received an email they needed more documentation on my identity. I sent the supporting documentation. 
I was told that " Unfortunately for security reasons, we are not able to disclose further information on the closing of your account '' XXXX XXXX from the escalations team sent that )
Consumer complaint received 2021-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me getting it back and going I am not sure if this is some mistake as I assume it has to be I am not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal guide frequently my email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-06-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (TX)

I am XXXX XXXX military. I have received XXXX  orders and my wife and I have moved into our new house. We are currently in the process of selling our old home and NOVAD has yet to send XXXX  ( our title company ) the payoff statment and its been over 2 weeks. I have e mailed NOVAD and havent received a response. We have already pushed back closing twice and are going to face a financial hardship if they dont provide the payoff statement soon. This is completely unprofessional given the turn around NOVAD has to provide the payoff statements. Any help would be greatly appreciated. Thank you.
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DC)

Hi! I spoke to Mr. Cooper customer service on Thursday, XX/XX/XXXX and was then on hold to speak with escalations department but I couldn't hold on any longer so had to disconnect. On XX/XX/XXXX Mr. Cooper took out duplicate payments for {$1300.00} from my checking account causing my checking account to be overdraft. So two issues, 1. How would this happen? I have never experienced such an error in my entire adult life, 2. I understood escalations department needs to refund 1 of the 2 duplicate payments along with an explanation so my Bank will credit the overdraft fees, failing which I would request you to pay the overdraft fees of {$39.00}. Kindly reply as soon as possible to resolve this issue. 
I then emailed on XXXX  XX/XX/XXXX using their online portal and received an automated message that someone will call me. It is now 4 business days since Mr. Cooper withdrew funds from my checking account, without my permission, caused my account to overdraft and subsequently impact my credit history. How can such a company be allowed to conduct business, can you kindly take strict action and involve XXXX XXXX as well who owns my mortgage?
Consumer complaint received 2021-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dorough & Dorough, LLC (GA)

Dorough & Dorough LLC a debt collector for XXXX XXXX XXXX was ordered to cease and desist in XXXX for charging astronomical fees and interest and threatening foreclosure to residents without XXXX board approval .They went on to disrupt XXXX meetings and even filed garnishments against homeowners after the cease and desist order was issued and in place. Protests by residents led to them being fired .They further continued refusing to turn over files to a new contracting debt collector and disrupting continuation of operation of the XXXX. 
They somehow reappeared in XXXX without a meeting informing owners of their presence. Dorough & Dorough consistently uses threats and not above board practices like adding additional fees and interest to an initial debt from XXXX even after payments have been made that far exceeds the initial debt. Inability to furnish complete details for charges being assessed, and garnishment against homeowners. In particular, although we agreed via a legal settlement document in XX/XX/XXXX that they would remove the judgement and Writ of Fifa consistent with the agreed payment schedule they have reneged on the settlement agreement and instead have fabricated additional amounts of interest and fees and is now attempting to extort additional monies for removal of the Writ of Fifa. A copy of signed judgement settlement contract and proof of payment is attached.
Consumer complaint received 2021-06-05
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX/XXXX  Account XXXX : XXXX This is not mine.
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (IL)

I received a collection notice from Professional Placement Services , LLC about delinquent account that has been placed with above collection agency. 
I notified the debt collector in writing within 30 days of the notice that I'm disputing the validity of this debt and requested to validate a debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA and I'm legally have obligation to pay a debt. 
Professional Placement Services sent me in the mail a statement dated XX/XX/XXXX, that shows that I owe an original creditor {$54.00}. Upon reviewing " validation statement '' made by debt collector, I noticed that debt collector did not comply with requirements for Fair Debt Collection Practices Act ( FDCPA ). The debt collector did not obtain copy of original statement from creditor. They ignored my request as a consumer and did not provide me with verification that debt was assigned or sold to them as debt collector. The creditor provided a service back in XX/XX/XXXX and statement was dated XX/XX/XXXX. The debt collector did not provide verification that they licensed to collect a debt in state of Illinois, did not complete accounting of alleged debt. 
The above agency violated the Fair Debt Collection Practices Act and reported the alleged debt to credit reporting agencies. 
Therefore, I will take legal action against this debt collector since they did not comply with Federal law and did not validate the debt according to Federal Debt Collection Practices Act This action constitute fraud under both federal and state laws.
Consumer complaint received 2021-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

In XX/XX/XXXX, my 3-year lease on a XXXX XXXX ended. I did a lease buyout, financed through a XXXX XXXX XXXX XXXX. 

In the fall, I received a check from Hyundai Motor Finance. I did not know what the check was for. Unfortunately, I put it aside -- when I came across it again, it had expired. 

In XXXX, XXXX informed me that they have been unable to get the title transferred. That Hyundai should have sent a sales tax check- to be taken to the BMV , so the title could be released to XXXX XXXX 

I called Hyundai XX/XX/XXXX, I was told a new check would be sent. ( ETA 3-5 business days ) I did not receive the check and have called in multiple times since then.

Sometimes, I am transferred from one department to the next and back again. 
I have tried the email customer service option, but they respond back, referring the last time I called in. 

" We see that you have already spoken with a Customer Service Representative onXX/XX/2021and received assistance with your request. '' -- XX/XX/XXXX - Check will be expedited. 3 business days. 

XX/XX/XXXX - " Check will be sent ASAP '' - representative sent email to " Sales tax dept so they can send the actual check '' XXXX - representative sent a '' red flagged '' email, check to be reissued within XXXX hours XX/XX/XXXX - XXXX had also called in. Representative advised email sent to sales tax department - " it can take up to 16 business days, a month if it needs to be cancelled and reissued ''
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

On XX/XX/2021 I was alerted by XXXX  that a new collection had posted to my credit report. I have never received any correspondence at the address where I live, nor any phone calls regarding any businesses with this company named " Enhanced Recovery Company '', and do not recognize any of the information associated with collection account. This is a violation of the FDCPA. 

I have requested that the company validate the account associated with the alleged debt and remove it from my credit report immediately.
Consumer complaint received 2021-06-05
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. (SC)

I XXXX XXXX XXXX SOCIAL SECURITY # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws., I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. I sent the credit Bureaus a letter on XX/XX/2021 stating that these accounts were fraudulent, and they were supposed to remove it after 4 days. it is now XX/XX/2021 and these items are still on my credit report. This is illegal for them still report this against the FCRA Laws. I feel like my Consumer rights are violated and I hope the CFPB will take action.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

Best Buy Credit Card through Citi Bank- Citi Retail Services . 

Closed account on XX/XX/2022 and attempted to set up a hardships payment plan with Citi Bank- Citi Retail Services . 

The account was closed after a sudden large jump in minimum payments due with no warning. The $ XXXXmo minimum payment jumped to XXXX XXXX/mo ( for XX/XX/2022 and further ), which was far too much for my current financial abilities. The total balance on the account is {$2200.00}, and a payment plan of XXXX XXXX/mo is not unheard of for that amount. 

The customer service representative looked into hardship payment plans with a monthly payment plan of {$30.00}. Unfortunately, they could not find any such payment plan and did not offer any other plans that were within the affordable payment range. They referred me to XXXX XXXX XXXX XXXX XXXX XXXX and The Consumer Credit Bureau to find a credit counselor to assist with credit education. The XXXX  referred me, without consideration, to XXXX XXXX XXXX XXXX, which is an organization I do not support or want to be affiliated with.

I have other closed credit account payment plans with a set minimum payment that is within my budget. This act of refusing me a hardship payment plan by Citi Bank will continue to increase my late payments on the closed account since I am only able to pay $ XXXXmo at this time. The unwillingness to work with me to find a plan, and to refer me to organizations that will not set up a payment plan is a tactic that punishes poor people, keeps people in debt, and allows the bank to continue to collect and grow their own wealth with the disregard to human rights. 

With inflation, significant increases in gas and electric bills, and a lack of government accountability, a 256 % payment increase is obscene and inhumane.
Consumer complaint received 2022-06-25
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. (FL)

By the fair credit reporting act : XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DC)

On XX/XX/XXXX, I sent a mortgage payment to my original servicer, XXXX XXXX. On XX/XX/XXXX, my mortgage servicing rights were transferred to CMC Funding, a subsidiary/affiliate of Specialized Loan Servicing ( SLS ). This complaint is about SLS not recognizing that XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX, asking for them to send the payment information to SLS. They indicated that it is up to SLS to reach out to them for the information. They emailed me a PDF of my payment history that I could provide to SLS. I emailed that information to SLS XXXX XXXX ). 

On XX/XX/XXXX, I emailed a completed Missing Payment Research Form to SLS to request that they undertake activities necessary to recognize that the XX/XX/XXXX payment was made. This email included a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

On XX/XX/XXXX, I again emailed the Missing Payment Research Form to SLS, complete with a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

Throughout this process, I have been calling SLS support. I've learned that the XXXX inbox is reviewed by staff at headquarters, who review incoming mail and assign emails to the appropriate accounts ( e.g., assign an email from a borrower to that borrower 's CMC Funding account ). It appears that nothing can be done until this staff do this assignment ; folks on the SLS support line can not even see that a Missing Payment Research Form has been submitted until that assignment has been made. Further, the only ability for SLS support individuals to contact staff at headquarters is by emailing that same XXXX inbox. 

When I've contacted SLS support, I've been told that they can not see that I've sent any emails, let alone the Missing Payment Research Form ( twice ). I have been told that I may resubmit the request form via email, fax, or mail, but that fax and mail will be received by the same team that reviews the email inbox.

CMC currently has my account listed as delinquent because of this missed payment. I understand that no late fees will be charged or other penalties applied during the 60 day window following the transfer of servicing rights ; however, given that SLS has not even confirmed that they are working on determining whether the XX/XX/XXXX payment was made, and that my account information does not reflect that a request was made for SLS to research whether the payment was made, I worry I will be penalized.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

There is a CH XXXX bankruptcy reported on my account filed on XX/XX/2014 is still on my report. I have requested The credit bureaus remove the Ch XXXX Bankruptcy as it is more than seven years and it is a XXXX. The files have been removed by the credit bureaus Then the CH XXXX derogatory reports have returned. I live in the State of Florida, the requirement is seven years the reports will be removed from date of filing. Also, I would like to add that every debt on the agreement with the debtor, BK judge and I have been resolved and has been satisfied in full.
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (WI)

When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Need Them Removed!
Consumer complaint received 2021-06-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XX/XX/2021 Quicken loan pre approved my home loan for XXXX. I then picked out a home to buy doing the process it was know communications i couldn't never reach my loan processor i was denied. I then recieved a phone call from quicken loans apologizing to me about the none communication and advised to resubmit my application and that they had a new loan processor to help me through the process at this point i issued XXXX $ for a appraisal & XXXX $ for a inspection XXXX $ for option money XXXX $ for title agency. The sellers of the home paid out over XXXX $ in repairs that quicken loan made them get in order to meet sell requirements. I received a phone call phone Quicken loans on XX/XX/2021 telling me congratulations i was approved and my closing date would be XX/XX/XXXX?, 2021. A day before my closing date i received another call from quicken loans stated that I was denied because my real estate agent used to work for a broker company who they will not do any business with and it wasn't nothing they could do to help any further i then let them know that they failed to declose any of this information to me or the agent prior to our closing date and that this was not professional business quicken loans then assured me if i fire my real estate agent after he has work very hard with me to get a close on the property that they will continue working with me and get a new closing date so I ended my contract with my realtor and he was very upset saying he doesn't work for that broker company any more and couldn't understand why was he singled out. I then found a new realtor and sent over the new realtors information. Quicken loans called me again stated i couldn't get approved unless i add my newly wife debts with my debt. I explained to them I was already at my closing date without any of the new problems there coming up with im on the application by myself and if i qualified 2 days prior what's really the issue and why are they coming up with all of this new wants from me I asked for my money back but they will not give me back my money they suggested I apply for a conventional loan i said no thanks i meed my money back so i can apply with a new Lender i feel like i have been discriminated against for being XXXX XXXX, also my realtor is XXXX XXXX  and the loan processor lady who works for quicken loan is also XXXX XXXX  she's the person who called me with the congratulations and my approval and closing date. Quicken loans wouldn't let me speak with this lady any longer they unsigned her from working on my team. Assigned more new people to me who was definitely not trying to help me.