davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

The following is the complaint that I sent to OCC about my mortgage : " On XX/XX/XXXX, I began making trial payments to Bayview Bank. No payments have ever been attributed to any account. On XX/XX/XXXX, after 15 payments on time, Bayview Bank refused to continue taking my payments, I have no idea why? In XX/XX/XXXX, I hired an attorney to help me get answers and resolve this issue. However, nothing has change, instead of extending a mortgage modification, Bayview Bank has continuously added late fees, penalties, attorney cost monthly which is now approx. {$51000.00}. I need know why they stopped taking my payments? And, why they refused to give me a mortgage modification? I need your help and please assist me in any way possible. Thank you. ''
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

Today, XX/XX/2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called XXXX XXXX. XXXX XXXX used Equifax, as the credit bureau where they pulled my credit report, also without affecting my credit score, because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX XXXX XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on Equifax, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless XXXX   XXXX also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  XXXX XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at the XXXX XXXX XXXX XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XX/XX/2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX   never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XX/XX/2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  XXXX XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XX/XX/2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CT)

A balance transfer was done on XX/XX/2019 from XXXXXXXX XXXX  XXXX to Citibank Line of Credit. 
The transaction went through without a problem. After several weeks funds were never deposited to Citibank Line of Credit. A call was made to Citibank as an inquiry about the transfer. Citibank informed us they do not accept balance transfers. At that time, XXXX XXXX XXXX was contacted with the request the transaction be cancelled and funds returned to credit card. An investigation was done by XXXX XXXX and we were informed on XX/XX/2019 that Citibank had cashed the check # XXXX in the amount {$850.00}. We then contacted Citibank that same day with the information XXXX Bank provided us. After our phone conversation with Citibank, XXXX XXXX, the funds of {$850.00} were deposited in our Citibank checking plus overdraft account the next day. No one had any explanation as to who had the check or why was it deposited in the Citibank checking plus account overdraft. 
Upon using the money for bills the following day, Citibank reduced the checking plus overdraft funds by {$1300.00} thereby taking back about {$100.00} of the funds made available with the transfer check that was cashed to that account.
Consumer complaint received 2019-07-22
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. (IL)

I am getting a mortgage in a year, so I have been paying down debt that is the result of a divorce. According to XXXX XXXX web site ( they just increased my line, by the way ) my credit score is XXXX, which is good. But the XXXX site shows it as XXXX, which is poor, and they state that it is provided by Transunion. I recently ordered all three agencies ' credit reports and they are identical. I called Transunion today and got a bunch of evasion from the rep. I know that Transunion is currently being sued. 

I am trying to raise my credit score to XXXX in the next year, and I am on my way. But Transunion will make that impossible. 

Can you help?
Consumer complaint received 2020-04-02
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. (AR)

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 and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX {$180.00} BANKRUPTCY  XXXX {$0.00} BANKRUPTCY   XXXX {$0.00} BANKRUPTCY  XXXX {$0.00}
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NV)

Oqwen mortgage reported I was missing a payment in XXXX of this year. I was not late I pay with XXXX XXXX XXXX XXXX every month for the last 14 years this system was down and wouldn't allow my payment to go thru there were problems with the system for 3 weeks before it was fixed. There for my payment was late not do to me but problem with there own system. I would like missing payment to be changed on my report.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Choice Recovery, Inc. (OH)

I am filing this complaint in response to your letter or phone call dated CHOICE RECOVERY INC # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You can not add interest or fees except those allowed by the original contract or state law.

Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices.

1. I never received a notification within 30 days of this reporting on my credit report.

2. When I requested validation of debt, they sent me paperwork with someone else 's name on it.

3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate.

4. The collection failed to prove that they own the claimed debt.

5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten.

6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I am filing this complaint in response to your letter or phone call dated XXXX # XXXX, XXXX XXXX XXXX. I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.   Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX charged me for a membership after I told them I didn't want to renew my membership. It took longer than usual to get the credit on my credit card. I told Capital One I would not use my card until I received the credit in a check from Capital One. I have notified Capital One numerous times to send me the credit on my card. Capital One has carried a credit for 5 months and refuse to send me a check for the credit. I want my money. Capital One has promised me they would send me a check. They have not honored the promise and are keeping my money. I had a complaint in 2017 with Capital One -- a merchant used my card 3 times without my permission. Capital One insisted I pay the money charged. I am in the process of filing a lawsuit against the merchant to get my money back. I don't want to have anything to do with Capital One. I plan to cancel my card as soon as I get my credit from the XXXX membership refund. How do I get Capital One to send me my money? I have tried to attach a copy of my statement but found it impossible.
Consumer complaint received 2019-02-19
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. (OH)

I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.
Consumer complaint received 2019-11-29
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. (UT)

On XX/XX/2019 I received a credit notification that a collection agency representing XXXX XXXX had reported to all three Credit Bureaus a {$150.00} past due bill as well as a new ( and inaccurate ) residential address in XXXX XXXX XXXX. I live in Utah. 

On that same day, I disputed the inaccurate information with Equifax, XXXX, and XXXX. On XX/XX/2019 I received notice from Equifax that the inaccurate residential address was removed, but the collection notice was correct. 

I have verified with XXXX XXXX that the XXXX XXXX XXXX address is the same that is on the fraudulent account which Equifax removed. 

XXXX  quickly removed all fraudulent activity on XX/XX/2019. I'm awaiting XXXX XXXX investigative results.
Consumer complaint received 2019-11-29
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. (WA)

I am going through a refinance with XXXX  when they reported that Equifax had reported a missed payment on my mortgage at XXXX XXXX. I submitted a file dispute on XX/XX/2019 to resolve the issue. Everyday since XX/XX/XXXX I have received an email from Equifax advertising. On XX/XX/XXXX, I received an email that my Credit File Dispute is complete with my confirmation as XXXX in addition to my Equifax advertising email. I also received a letter from XXXX XXXX stating that I did not miss a payment and that this was an error. I followed up with Equifax website to get a status update, but this required me to create a login and then use one of my two annual reports. Then, Equifax required me to call in to confirm my identity. I spent 40 minutes answering questions on the history of my credit reporting including providing my current mailing address, last 4 digits of my social security, and a slew of 10 questions regarding my credit history. Then, the agent " XXXX '' told me that I needed to mail in a copy of my photo id and social security before I could get the status of my filed complaint. I did not mail in my photo id or social security because this puts me at a security risk in further. I still don't have the update on my dispute. 

Equifax was the only company that reported that I had a missed payment. Then Equifax required me to use one of annual reports. I was receiving daily advertising from Equifax on their services. Then, when I asked to opt out - I still receive email messages at least twice a week telling me to check on my file complaint status. However, I can not check it unless I send in my ID and Social Security Card. I feel like Equifax made a mark on my credit report on purpose so that they can harass me on buying their services and collect data on me that they should not be collecting.
Consumer complaint received 2019-02-19
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 got with a New Inquiry from Santander Bank Na on XX/XX/2018 from XXXX. I noticed this through XXXX XXXX on my XXXX  XXXX online account. Around XXXX I called up both companies about this fraud situation and both said they would remove it. I than had called a second a third time. I want to say new years day last time I spoke to with both companies and both would assure me would come off in 7-14 business days. Nothing has ever come off.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

I was given a {$100.00} Visa gift card for my birthday on XX/XX/XXXX and I tried to use it twice the following week and the card wouldnt work. I thought that maybe I needed to register it online, so I went onto XXXX and realized that the card was already registered to someone else and a purchase had been made the day after it was given to me by someone that is not me in a city where I do not live and there was only a {$.00} balance left on it. I followed the instructions to register it as stolen after calling the lost and stolen number on the paper included with the card, which included faxing in a copy of the card, my ID, and writing a letter asking XXXX XXXX ( the company who handles the card ) to open a fraud investigation. I faxed all of the information in, and after three tries of sending in physical and electronic faxes ( through an app ) they still hadnt transferred the card to my name or opened an investigation. I talked w/a supervisor on XX/XX/XXXX and told her that I wanted a different option for sending in their required info, and she gave me the address of where I could send hard copies of this information, which I immediately did. I still had not heard anything back on XX/XX/XXXX, so called in again and was told that they had transferred the card to my name and received all of my paperwork and were opening an investigation. As of XX/XX/XXXX, I called back again and was told that the card was NOT in my name. I called back on XX/XX/XXXX to  talk to a supervisor and was told that they are still in the process of putting the card in my name and that it may take an additional 90 days to do the fraud investigation. When I asked that customer service rep what company he worked for because I was going to file a complaint he told me, " XXXX XXXX ''. I specifically asked him, " that is the company name? '' and he said " yes. '' I believe he intentionally gave me the wrong information as the card is drawn from XXXX XXXX so that I would not have accurate info for a complaint. This company has been an absolute disaster to work with, with numerous people giving me inaccurate and erroneous information for something that was NOT my fault and that should be easily rectified and they have made it incredibly difficult every step of the way. I have now spent hours on the phone, doing faxes, and sending papers just to get a replacement {$100.00} gift card, and every time I call I have to go through the same process over and over again and there is never any progress or solution. I believe they are making it intentionally difficult so that they do not have to give me a replacement card.
Consumer complaint received 2019-02-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have send 2 letters with attached requested documents for my identity to Equifax. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.