davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

Discover Bank admitted they made exactly XXXX attempt via letter, and XXXX attempt via phone -- at the exact same time no less -- before sending my account over to the XXXX of California via Escheat. I actually returned their letter with a Signature page to the exact address they provided -- within 3 days of receiving their letter. I kept a copy of the Sig page I returned to them XXXX attached ). I also received a statement from them from my account, in the mail, two months later. 

I never had a problem receiving quarterly statements via mail, and I did receive their letter dated XXXX 2014 and responded in Full. 

Over the entirety of my account with them, no personal information changed. No change in address or phone number. Despite all of this, and returning their letter to them within 3 days, they made no attempt to contact me to confirm anything, and sent my entire account -- my biggest savings account and XXXX I need access to -- over to the State. After only XXXX attempt via mail and XXXX attempt via phone -- at the exact same time ( What if I was traveling? Which I was n't ... ). 

I am losing interest accrued, and access to my biggest Savings Account for untold amount of time. It is inexcusable to do this to a customer given No change in circumstance and actually responding to their request.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My condo mortgage holde, OCWEN, rjust charged me {$1400.00} for a 12 month condo owner insurance policy, saying that I do not have adequate coverage for my condo unit.. so they have purchased coverage for me!!!. This is untrue. Our condo master policy covers the entire replacement cost of the my condo ... the only things not covered in our master policy are my personal furnishings. I have never been and am not currently without the OCWEN 's required coverage.
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (SC)

Due to the conversion of the Matrix XXXX account to the Matrix XXXX my credit report is reflecting XXXX open accounts with a Credit Limit of {$300.00} each. The XXXX open accounts are hurting my credit rating. I requested Matrix please contact the XXXX credit bureaus and request the CFC ( Matrix XXXX ) account be removed or updated. Please see the attached documents. Thank you for your assistance.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

sent certified letter for validation and cease and decist all communication dated XX/XX/XXXX to XXXX Midland Funding XXXX I received a letter dated XXXX that they ca n't validate debt and they have ceased collections and closed account. i have received calls from XXXX XXXX to my fax # XXXX XXXX so i called it due to numerous calls and it was in regards to midland funding the disputed account and cease and decist filed on XXXX XXXX, 2015 i informed the man that they are in violation of FDCPA cease communication also trying to collect on an account that is disputed and also past statues i could only go back to XXXX but these are the dates and times of calls From 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 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 ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX and today XXXX ; XXXX XXXX ; XXXX XXXX i do have copies of all letters and response sent to agency
Consumer complaint received 2015-09-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TD BANK US HOLDING COMPANY (MA)

I recently purchased a new car, and received bank financing through the dealership. During the sales process, the dealership gushed about my " excellent credit '' and made it a point to emphasize the 0.9 % financing I would receive. So, I was very surprised to now see the rate listed at 3.89 % on my bills. ( I would also note that my carbon copy of the financing agreement, provided to me by the dealership at the time of sale, was NOT EXECUTED by anyone from the dealership. )
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/23 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The account has been repeatedly updated as canceled every month. This is a payment history update. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your negligence has violated my rights. I demand the deletion of the following account : The XXXX XXXX XXXXXXXX account was closed XX/XX/XXXX, however, I never paid, this card was opened fraudulently, it was updated XX/XX/XXXX reported in collection / charge off, it does not report the number of accounts, the accounts in total are 2 accounts that appear with XXXX XXXX XXXX/ both accounts appear/ charge of XXXX THERE ARE TWO ACCOUNTS ONE CLOSED ON XX/XX/XXXX UPDATED XX/XX/XXXX / last payment is reported XX/XX/XXXX I never opened this account, it was opened fraudulently / XX/XX/XXXX LIKE GHARGE OFF XXXX ALSO APPEARS LAST PAYMENT XX/XX/XXXX REPORTED XX/XX/XXXX XXXX XXXX APPEARS IN COLLECTION / charge off updated XX/XX/XXXX every month they report it as unpaid these accounts were opened fraudulently XXXX XXXX another account reported as closed XX/XX/XXXX collection/charge off Reported XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-01
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: COLLECTION BUREAU INCORPORATED (ID)

The collection agency Representative XXXX XXXX threatened to call my employer ( a bank ) and tell them I have a dirty mouth and do n't pay my bills. 
I had already paid the medical bill in full and was served papers that they were suing me for interest along with attorneys fees. I had initially contacted the company of my own free will in XXXX to pay the balance in full. They stated they were owed interest and would not accept my payment unless I paid them for their job. I asked for proof they had the authority to seek interest and they stated they did n't have to prove anything. The collection bureau was not only rude while I offered to pay in full but demeaning asking me questions specifically " oh yeah where did you get the money to pay us? '' and " your a XXXX that does n't pay her bills. ''
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Dear Sir and/or Madam, Please take a very serious note of the financial stress and issues I am experiencing from XXXX of XXXX to the present, as a result of overcharged taxes by Bayview Loan Servicing, of which I have completely documented with substantiating legal proof to that effect. It is extremely important for legal record purposes, that Consumer Financial Protection Bureau is well informed that all efforts on my part have been exhausted due to Bayview Loan Servicing unprofessional excuses and inability from its staff to problem-solve this matter. As a result this major problem and sub-issues are continuing with bulling treats from XXXX XXXX XXXX regarding an upcoming foreclose to my mortgage. 

The following is a summary about the history of the overcharges and financial crises that XXXX XXXX XXXX has inflicted with discrimination on my finances and ability to meet monthly obligations with mortgage payments and living expenses : On XXXX XXXX I received a called from Bayview Loan Servicing informing me that I had a shortage on my mortgage which would be increase from XXXX XXXX because of tax and insurance. I asked to send a statement that was sent and it shows charges for Tax-XX/XX/XXXX and Tax- XXXX XXXX XXXX for the same amount of {$1200.00} My Tax for XXXX was already paid by XXXX XXXX in my mortgage on XXXX/XXXX/XXXX. I called Bayview Loan and talk to several representative and supervisor that recognize the problem and promise to make correction. Each time I called they tell me to wait 60 days, then 30 days, then a Supervisor told me that she will call me back in 15 days knowing that in 15 days my account would be transfer to XXXX XXXX XXXX XXXX. I have continue to pay my mortgage for {$1000.00}. XXXX XXXX has been taking over my account since XXXX and know about the problem and said that they are looking into it since XXXX XXXX they told me to wait 60 days and still charging me late fees and my escrow account as increase, causing me difficulty in paying my mortgage. I have been calling to solve the problem and a representative said that do n't call back she will call me I have been waiting for over a month and I have n't heard from her but I am receiving calls from the collection department treating me of going into foreclosure. I feel that they are taking advantage and stressing me out for a they XXXX up.
Consumer complaint received 2015-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

This complaint is against Chrysler Capital. I have been paying {$300.00} every 2 weeks for a {$590.00} amount due. They advised that I did not receive credit until the entire monthly amount was paid in full. Even though my payments are made somewhat in advance, their " system '' does not recognize this. I requested that do not call and they advised I would be put on the " do not call '' list. They have continued to call ( 4 times ) after being placed on this list. Each time they apologize and say they were in error. Capital XXXX has violated the do not call agreement.
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Good Afternoon, My name is XXXX XXXX and I am reaching out about a debt collection that has taken place. I moved out of an apartment complex called, XXXX XXXX XXXXXXXX on XX/XX/year>, due to the fact that the apartment complex was infested with bedbugs and it was not habitable for my family. I communicated this with the Manager, XXXX, and was told that it was okay for me to move out of the apartments. She instructed for her assistant to call me and notify me that I could move out of the unit on XX/XX/year> and that the lease would be broken due to contract breach, as long as I sent an email stating the move out date. I sent the email, but now I am receiving a notification from a collection agency called Columbia Debt Recovery LLC DBA Genesis, stating that I owe {$3400.00} for three months of rent after the contract was broken. I notified Genesis of the issue, but they stated that the apartment will allow you to move out but I am still liable to pay the fees, after the complex released me to move due to a health hazard. According to the law in Texas, an apartment complex must create a habitable housing and are violating this standard if otherwise, Implied warranty of habitability and that tenants are allowed to break the lease under these circumstances. Please let me know what can be done to remove this collection off my credit. I have the voicemail from the complex as well as the email they requested that I send to confirm the move out date. 

Thank you so much, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

In XX/XX/XXXX, I entered into a disaster forbearance, due to a storm in XXXX. Prior to the forbearance ended, I called on XX/XX/XXXX to apply for resolution to the forbearance. I was told the process was an application, which I completed over the phone. On XX/XX/XXXX, I called back and was told I was put into another forbearance. I asked that I be reevaluated for other programs. I again did an application over the phone. I was assured that I was in loss mitigation and that my credit report would not be affected during this process. I called again on XX/XX/XXXX for a status update, I was told the application that was supposed to be done on XX/XX/XXXX was not done and I had to do another one, which I did. On XX/XX/XXXX, this same thing happened again ; again on XX/XX/XXXX I went through the same process again after I received approval for the Stand Alone Partial Claim twice, and it was not honored either time. On XX/XX/XXXX, I called after returning the acceptance of the Partial Claim and was told I was put back in a forbearance. Each time I spoke with my mortgage company I asked about my credit and was assured that I would not be affected because I was in this process. On XX/XX/XXXX, I called after finding out that it has been reported that I was delinquent on my credit report and was on hold for one hour and 15 minutes for a supervisor, the supervisor answered and put me back on hold. I was then told that she would get back to me within 48hrs. I have not received a call back to date. My credit is still affected and my issue with the forbearance remains.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute multiple unauthorized hard inquiries on my credit report, which were made without my explicit consent. These inquiries violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a call on my cell phone via an automated dialing system from a man who was very rude and immediately disclosed my debt without obtaining any verification from me. He advised me he was calling from the " litigation department '' and my account had been reviewed by an Attorney in his office. I interrupted him and asked if he was in fact calling me from an automated dialing system ; he refused to answer my question and told me if it was n't a good time to just say so. I informed him he is in violation of TCPA, and not to call my cell phone again.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Dear CFPB, I am writing to raise an issue that Ive encountered across multiple financial institutions, including Capital One, XXXX XXXX, XXXX, and others, regarding the incorrect validation of my Individual Taxpayer Identification Number ( ITIN ). My ITIN ends in XXXX, and many banks are rejecting it as invalid during the application process for credit cards and other financial services. 

It appears that these institutions are applying Social Security Number ( SSN ) validation rules to ITINs, which results in numbers ending in XXXX being treated as invalid. According to IRS guidelines, this should not be the case, as ITINs follow a different structure than SSNs and the final digits XXXX in an ITIN are valid. However, the systems of these banks continue to reject my number, preventing me from accessing essential financial services.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5700.00}
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (IL)

On XXXX XXXX, 2015 my EastWestBank card was flagged as being suspected of fraud activity. Elan Financial Services manages security and fraud activity for EastWestBank. VISA notified Elan Financial Services on XXXX XXXX, 2015 that they had suspected that my EastWestBank card of fraudulent activity. 
Elan Financial Services never notified me that my EastWestBank card was flagged as being suspected of fraud activity. I was carrying and using a suspected fraudaulent credit card for days before I discovered this status. And I only discovered that my credit card was suspected of fraud on XXXX XXXX, 2015 when Elan Financial Services denied a purchasedI made to XXXX. I was never notified. 
I spoke to a manager of the fraud department at Elan Financial Services on XXXX XXXX. He informed me that notifying the card member of any fraud activity is optional. I have other credit cards who not only notified me of suspected fraud actiivty but issued a new credit card immediately. 
As the card member, do I have the right to be notified immediately when my credit card is supected of fraudulent actiivity?
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IN)

My loan documentation states that private mortgage insurance is to be automatically terminated on XXXX XXXX, 2015. My loan is current and all of my payments have been made on time, yet Ocwen ( who purchased my mortgage ) refuses to terminate the PMI. I have provided them with the document that I signed at loan closing indicating that the PMI is to be automatically terminated on XXXX XXXX, 2015. However, they keep on sending me " Borrower Requested PMI Cancellation '' forms that require me to pay for a current appraisal. The termination document states that the PMI should terminate automatically by the lender, and that this is based on the original home value and the date when the loan is scheduled to reach 78 % according to the original amortization schedule. I have contacted Ocwen several times and each time they have indicated that they will send the issue to their PMI department who has done nothing but send me " Borrower Requested Cancellation '' forms and insist on me paying for an appraisal.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

We chose Bank of America to do our mortgage when we decided to purchase a house. Bank of America assured us they would make our closing date, but when the closing date came, neither I, nor my realtor, nor the title company could get a hold of them, until they admitted they had n't completed the paperwork on their end and the house would n't close on time after all. The house went out of contract.