davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (CA)

Experian is reporting late payments for 2017 on my Iowa Student Loan despite the loan being subject to a forbearance at that time and the servicer who handled the account going out of business. I filed a dispute by mail because Experian would not allow me to submit one online after having already disputed it previously. Nevertheless, Experian maintained the inaccurate 2017 payment information. Specifically, the account was serviced by a now defunct servicer that had granted me an income contingent repayment schedule. The annual renewal came due after the servicer concluded all business operations. I was finally able to locate the new servicer by contacting the US Department of Education. When I located them I applied for a new contingent repayment plan contemporaneously with a forbearance for the months the account was in limbo, as advised. Although approved, late payment history was reported to my credit history anyway. This is an outrage.
Consumer complaint received 2019-11-18
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. (MI)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have had an auto payment set up through my bank with Capital One Cabela 's Club card for {$75.00} a month to cover my monthly credit card payment for a few years. In XX/XX/2019 I started traveling with my new job and didn't realize that my auto payments were not matching the minimum balance due. I received a call from Capital One on XX/XX/XXXX ( which was showing on my phone as spam ) and they left me a message to call them about my account. I did return the call on XX/XX/XXXX and was notified that my account had an outstanding balance of {$210.00} in which i immediately paid the balance due. My statement closing date was XX/XX/XXXX. One day after making the payment to bring my account current, my credit report and my wife 's credit report showed that Capital One reported the account 31 days past due on the XXXX of XXXX. When I called Capital One to discuss this issue, I first talked to a customer service rep, then I asked to talk to a supervisor in which i was not able to make any headway, then called back later and talked to another Supervisor to see about getting more information and make the same request i had previously. I was connected with a supervisor named XXXX, employee # XXXX. He said that Capital One reports to the credit bureau 3 days past the billing end date and that was why it was reported, even though I worked with Capital One to pay the arrears. My statement shows the payment date on the XXXX. He said that the payment was not made before XXXX XXXX eastern time and that was why it was reported. Towards the end of the call his tone changed towards me and made me feel like he was suggesting that I was trying to get out of paying my bills which I am clearly not. The reason this is so important to me is that we are in the process of closing on a house in Arizona and this drastically affects this closing now. I have been a good customer and have made payments on time up to this point of time where life changes have caused issues to get out of hand. I am including the Capital One statements from XXXX to the current date.
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NJ)

I received the first call on XX/XX/XXXX about unpaid amount from an incident on XX/XX/XXXX for a bill that was mailed in XX/XX/XXXX. I was made aware of this mail due to the call and I informed them that I have moved in XX/XX/XXXX to a new address, which I gave to them - I asked them to please mail or email me the information in order to see the fines and services that I am paying for. How am I suppose to know if this is a legit call or not? This is my first time having an incident with any hospital bill.From then I get call after call, but am busy since they call during working hours. I travel for work weekly and had a Go-Live XX/XX/XXXX with issues afterwards.I then get a call today, XX/XX/XXXX where they informed me that if I don't pay now that it will be marked as non-complaint. The supervisor / manager kept on harassing to pay now and that it's overdue even after I tell him what had occurred.  I told him I am at work and can't do this at the moment, which he replied that I said I was going to dinner last time and didn't call back. I told him I didn't receive the XX/XX/XXXX bill, I have paid other bills that I have received and wanted to make sure that this is a legal company along with understanding the payments. It's a scary subject and he didn't understand that this is my first time dealing with this and I don't want to get in trouble or have it affect my credit score but needed all the facts. When reviewing the bill it had no information just that I owe an amount of money from an incident on XX/XX/2018. He kept on saying "You wait for the debt collector to make your payments? This is affecting you and your credit score. What kind of research are you even doing? Why can't you pay now? Give me your credit card information so I can do it for you? How will I know if you don't pay?" and kept on going with the questions / interrogation. I informed him it's hard to do this because of him harassing me. It was intimidating and aggressive form of pressure, I just wanted to understand why I am being informed so late on this issue and what the bill is.
Consumer complaint received 2019-08-20
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: U.S. BANCORP (TX)

On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anything
I am attaching a list of companys that hit my credit some even hit twice in 1 day
I am looking for the prove where I gave them permission to run my credit report
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX XXXX  9. XXXX  XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

For the past 9 years, I have had a Bank of America XXXX XXXX XXXX which was in good standing in my name. I paid the amount monthly - even after my ex-husband applied for Bankruptcy and was discharged under his name ( his name still remains as a co-borrower ). 

Recently, Bank of America sold my loan to XXXX XXXX, which then authorized XXXX XXXX XXXX ( XXXX ) to administer the loan payments, etc. XXXX appears to be more of a XXXX XXXX XXXX than a financial institution. 

Bank of America sold my loan on or around XX/XX/XXXX. I was notified by BOA of the sale to XXXX XXXX and was informed that I would receive information soon from the new loan company. I did not receive ANY paperwork, information on where to pay my loan, etc. until XX/XX/XXXX. I received a letter from XXXX XXXX Servicing indicating that my home equity loan is now delinquent, and I needed to contact XXXX  to discuss possible loss mitigation options. I was able to navigate the XXXX site and set up an online account. I had difficulty adjusting the payment that covered a specific time line, the site would only allow for me to make the past payment due PLUS a payment that was due in XXXX. I was able to call XXXX where they were willing to take the payment that was currently due. On XX/XX/19, I logged on to make my XXXX payment - and once again, the site would not allow me to adjust the current payment due XXXX {$220.00} XXXX, instead a payment of {$470.00} XXXX covering XXXX XXXX was ordered. Also, I am not able to change my method of payment. I want to use a different debit/credit care and the XXXX website will not allow me to do this. 

The XXXX site and XXXX XXXX company is very difficult to navigate and communicate with. When I call, and enter my phone number ID, they claim that my phone number is not identified with my account number. XXXX has also marked me down as making two late payments, when that is not a fair assessment. I do plan to refinance this loan in the next few months, but I am trying to pay down other finances first in order to be eligible for a lower interest rate. Please assist. Thank you. XXXX XXXX
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I have had a mortgage on my current home since XXXX. My mortgage has been moved from company to company several times over this period. They have lost payments through the transitions and started foreclosure proceedings in the past. The last case is from XXXX. I won a ruling with my proof of payments and bank statements. OCWEN appealed and claimed my documentation was not valid and should have not been admitted. I filed a XXXX XXXX plan in XXXX and made payments for the last 3 years. OCWEN did not apply those payments correctly to my loan. I received documentation from them that my loan was being sold to another PHH company. I passed the information along to my XXXX lawyer. Then then refiled to get a new court date which is XX/XX/XXXX. I have attempted to re-finance my loan to get out from this mess, but I am not allowed to be approved since my mortgage is not being reported on my credit report. It has been reported as current for the last 2 years and stopped being reported in XXXX when it was moving to PHH. I now have a pending foreclosure court date of XX/XX/XXXX, and I have nor recourse to correct this. OCWEN and PHH refuse to talk or work with me on this issue. Neither can explain where the {$65000.00} in payments over the last 3 years have been applied. My principal balance is the same, my arrears balance seems to be the same. Please help me correct this.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I recently received a debt collection notification in the mail for medial services that were NOT rendered to me. 

I've requested an itemized invoice and ALL records be sent to me so that I may examine and properly dispute. CAPIO PARTNERS & XXXX  XXXX XXXX XXXX HAVE REFUSED TO RELEASE THE INFORMATION. CAPIO WAS MORE INTERESTED IN FINDING OUT IF I WAS A US CITIZEN. 

Ive been a victim of identity theft about 7 years ago and I was able to remove XXXX XXXX credit card debt, XXXX debt and I was able to clear with the Social Services the children receiving Medicaid were NOT my children and I HAVE NO IDEA WHO THEY ARE. Clearly this debt must be something lingering from that episode. 

I have not lived in the XXXX area in over 15 years, Ive been living abroad for at least 10 years where I have insurance, I only have a PO Box for mail when I visit and I have NEVER been insured by XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of Bank of America, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with Bank of America totally almost {$2.00} XXXX  in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX monthly payment on a {$95.00} balance for a card charge.
Consumer complaint received 2019-08-21
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: Bonneville Billing and Collections (MS)

I have emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to  provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate XXXX, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since XX/XX/2017. Theyve continued to allow companies like Bonneville Collections and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since XX/XX/2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with XXXX to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score.

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from Bonneville Collections on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by Bonneville Collections. XXXX has merely relied upon a statement submitted by Bonneville Collections that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since XX/XX/2017. 

The actions of the Office of Consumer Affairs via XX/XX/XXXX are harassing me. Their conduct should be illegal. When I contact XX/XX/XXXX, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in XX/XX/XXXX system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (GA)

On XXXX I applied for an checking account and was told that I couldnt open up an account, because one of the credit bureau had a security freeze on my report. I called that credit bureau and was told by rep there is no freeze on the account. I have been having this problem and spent two days working on this and still showing up freeze on my account.
Consumer complaint received 2019-08-21
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: Navient Solutions, LLC. (MO)

I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called Navient. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from Navient well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.
Consumer complaint received 2019-08-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Mortgage comp failed to disclose county tax bills and now have to paid for taxes and penalties. Mortgage comp will not disclose phone calls alleging that they did in fact advise me on that issue. I have no issue paying my county taxes but not the penalties. I have ask mortgage comp for phone calls alleging that in fact they informed me of the issue which they will not provide me with. This cause my mortgage to rise a lot which I can not afford not only that stress on myself as a sole provider of my family.
Consumer complaint received 2019-11-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Protas, Spivok & Collins. LLC (VA)

I first received a letter dated XX/XX/XXXX from Protas, Spivok and Collins, LLC, stating they were a firm representing XXXX XXXX XXXX XXXX with XXXX XXXX being the original creditor and if account was not in dispute they expect full payment of {$7300.00} and unless I notified them in 30 days that I dispute the validity of the debt they will assume the debt is valid. I then sent them a response letter on XX/XX/XXXX advising that validation is requested and to provide me with the following : provide me with the following : ( 1 ). What the money you say I owe is for ( 2 ) Explain and show me how you calculated what you say I owe ( 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( 4 ) Provide me with the original contract bearing my signature ( 5 ) Identify the original creditor ( 6 ) Prove the Statue of Limitations has not expired on this account ( 7 ) Show me that you are licensed to collect in my state, and ( 8 ) Provide me with our license numbers and Registered Agent. They then sent another letter dated XX/XX/XXXX without any of the information I requested. The letter only stated the debt has been verified and the name of the creditor and balance. On XX/XX/XXXX I sent another letter to them asking where is the proof they have the right to collect the debt from me, proof the own the debt, payment history from the original creditor, copy of original contract bearing my signature, and how the fees where determined. Instead of the company validating the debt and proving in proof the decided to send me a summons to court instead for XX/XX/XXXX XX/XX/XXXX