davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
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. (NC)

I have called all   XXXX   credit bureaus (   XXXX  , Experian,  XXXX  ) a total of  XXXX  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,  XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX , XX/XX/XXXX   ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the Bureaus to verify such a record exist. I noticed as of today XX/XX/XXXX yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.
Consumer complaint received 2017-07-12
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. (NC)

I have called all  XXXX  credit bureaus  (   XXXX ,  XXXX , Equifax ) a total of  10  times,   XX/XX/XXXX    ,   XX/XX/XXXX    ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX ,   XX/XX/XXXX    , XX/XX/XXXX   ,  XXXX / XXXX /  XXXX  ,   XX/XX/XXXX    ,  XX/XX/XXXX    . I called to inform them that my reports show  2  bankruptcy filings that do not belong to me that was supposedly filed on my behalf in  XXXX   XXXX , NC. I have disputed this a total of 5 times only for them to come back and inform me they investigated and it was verified, I requested they provide proof of the provider who verified this erroneously reporting and they have yet to tell me. I called the Courts here to confirm that I do not hold a bankruptcy and was told that there is no record of my name and address, also further they verified they have not spoken to anyone from the  Bureaus  to verify such a record exist. I noticed as of today  XX/XX/XXXX  yet another Bankruptcy has appeared on my credit report. I work in consumer finance and have been terminated from my employment as a result of these filings, I have requested from several supervisors to have this removed from all  XXXX  bureaus and they have done nothing at all.
Consumer complaint received 2017-01-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I made a payment to Chase on XX/XX/2016. This payment was lost by Chase. The replacement payment was made in timely fashion and I supplied Chase with proof that the original payment was made timely. To date Chase has refused to clean up my credit in spite of the fact that an explanation and proof of timely payment was provided.
Consumer complaint received 2017-05-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I put in an insurance claim on  XXXX   XXXX  for a property I have I Virginia, due to the extent of the damage a check was issued in the amount of {$8100.00}. The check was issued in both my name and the mortgage compa ny Ocwen Loan Servicing. I paid the contractor with my own money in order to speed up as I had to send the check to Ocwen to be endorsed, I notified them that the contractor wa s paid and provided proof of doing so. I also made them aware that the check for the full amount need to be made out to me, they assured me that would be done. They then sent me a check made out to The Estate of  XXXX   XXXX , The Estate of  XXXX   XXXX  and myself. After a lot of back and forth they sent me an envelope to return the check because The Estate of  XXXX   XXXX  was no longer on the loan and there is no way the check could be deposited. It has now been an additional  4 weeks and Ocwen Loss  Draft division has not returned the check with the corrected names, I spoke to a manager on  XXXX   XXXX  and was told that the check was cut and just waiting on shipping. Called on the  XXXX  and was told that it take s 3 to 5 bus iness days to process shipping, called on the  XXXX  and was told to call back on the  XXXX  for my tracking number. Called on the  XXXX  and was told that it 's still waiting to be picked up by  XXXX  and I should call back on Tuesday  XXXX  to get my tracking number, when I called today I was told that the check was not printed because their printer is not working and there 're not sure when it going to be up and running. I feel like the are just giving me the run around and do n't want to refund my money.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

on or about XXXX XXXX XXXX, all XXXX XXXX, equifax and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (AZ)

I had   XXXX    XXXX  on  XXXX  the  XXXX . I have many debts from it and make payments every two weeks. Two weeks ago I got a notice from a collection agency, AARGON, stating I am in collections for an outstanding bill of {$40.00} from a   XXXX   XXXX  . Apparently, m  y   XXXX   came from there. The thing is, I have never heard of  XXXX   XXXX  nor have I ever received a bill from them. I contacted  AARGON  and let them know this. I was told my credit will be ruined if I do n't pay the {$40.00}. All I asked them for was a copy of the original bill. They told me I could find it on their web page. I asked for them to just email it to me. I was told, " I 'm not going to do your work for you. '' So, I went to their website and found my account. The orginial bill is not there. There is just a copy of the notice they sent to me. So I reached out to my doc 's office. They had no information other than   XXXX   XXXX   is a company they use. So I contacted  XXXX   XXXX . They did not have info but told me they would find out. But they have not called me back. I want to get this resolved, do NOT want my credit affected, and feel I have a right to see an original bill from this company. If I owe the {$40.00} I 'll pay it. But I ca n't help but feel they just check out patients and tack on bills to increase their income. Why else would they not send me a bill? I 'm out of pocket over {$6000.00} on this  XXXX . Yes, I can pay the {$40.00}, but the point is I believe I am being mistreated.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

We 're in the process of selling our home. When we reviewed the settlement statement we noticed a charge of {$89.00} that was titled " Late Charge to Specialized Loan Servicing ''. We 've never been late on any payments so I called Specialized Loan Servicing for an explanation and was treated rudely and in a very condescending manner. This is ironic because I 'm very knowledgeable about real estate finance and it was easy for me to understand the reason for the problem, but the representatives I spoke with seemed to have great difficulty articulating the company 's position which was, in short, that because the payoff quote was good for up to 30 days, they were charging a late fee in anticipation that I 'd be late on my XX/XX/XXXXpayment, which was not yet due at the time of the payoff quote, but which we had in fact paid when it became due. Their tortured explanation caused me to further analyze the payoff quote to realize that not only were we being charged a late fee, but we were also not being credited for the XX/XX/XXXX payment. <P/>My simple request for an updated payoff quote was met with more rudeness, constant interruption, and condescension.
Consumer complaint received 2017-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I have had an auto loan with Prestige Financial since 2013 and everything was going great until I was in an auto accident and the car was a total lost. I contacted the lender and spoke with XXXX who advised me that we had Gap insurance ( I knew I purchased it when we bought the car ) which should take care of the amount left after the insurance payment was made. The accident was almost two months ago and the Gap insurance has not kicked in yet. XXXX XXXX ( who by the way is very nice ) contacted me today and when I called back I spoke to XXXX # XXXX, he was very rude to me. He started saying that I have a contract on this loan and I need to pay it and Gap is not going to pay all of it because of late fees, that I was never advised of, and return check fees from years ago that were never mentioned to me nor did I ever receive any communication regarding. I do not have any checks, everything was done electronically through auto draft. I advised him that I would not be in this position if the car was not totaled and I had been making my payments monthly and was in constant communication with them. He again was rude and did not care about why. I told him that I will let my lawyer handle this because this does not seem fair. He said well this is not going away and why do you have a lawyer, are you suing us. I told him that the lawyer is due the accident. He said well, this still is not going away and you need to pay. I know that it is not going away no one ever said that. I told him that I have another car that I am paying on and can not afford to make a payment today. He was still rude and asked me again why do I have a lawyer. I was not going to entertain his rudeness so I did not answer and asked him why he was being rude to me. He said well you are under contract and you need to pay. I made a payment to them last month even though the car was totaled and now they want another payment. THIS IS UNFAIR TO ANY CONSUMER WHO DOES THE RIGHT THING AND PURCHASE GAP INSURANCE TO PROTECT THEM FROM HAVING TO PAY A BALANCE IF THERE WAS A TOTAL LOST ON THE VEHICLE. the bad thing is that this is their gap insurance and I do not understand why it is taking so long to finish the claim. I was never provided the Gap company name and number for me to follow up on the claim and Prestige has never provided it to me. I have not missed a payment since I have had the loan with them. I have paid every month. I do not deserve the unfair treatment when this is not an issue that I created.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just spent two hours on the phone trying to get access to my online account with TransUnion. I kept getting transferred in circles with people in XXXX. I could not get an answer. They just kept sending me back and forth between the dispute dept. and the online support dept. I never got to speak to anyone who was in the U.S. I still do n't know my credit score with them because they could not help me get to my account. I questioned XXXX item from another source that showed an outstanding negative report with something called XXXX. All of my outstanding bills were taken care of more than 7 yrs. ago. It even shows a XXXX balance. I have not been late with my bills and very careful that everything has been taken care of. How do get to my TransUnion account and find someone who can help me get answers as to why my credit has not improved with several years of positive reporting.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-30
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. (WA)

On  XXXX   XXXX ,    2017, I c hecked my cyber identity monitoring services, a service provide by  the US Office of Personnel for leaking my data.      Apparently, on  XXXX   XXXX ,    2017, I h ave a new account added to my credit report. I 've reached out to Equifax, but their website is confusing, and their phone tree and automation gotten me no where useful or easy to use. The Equifax website required a record number, which I do n't have and was n't provided to me. Their process appear to seem like they are required a credit inquiry, pulling my credit, which I declined.     I would like to file my complaint for lack of notice on both  XXXX   XXXX   XXXX   XXXX  and Equifax.     I do n't know who  XXXX   XXXX   XXXX   XXXX  is and why there is a new account of {$170.00},  XXXX . My current mortgage is at fixed rate with a local community bank called  XXXX   XXXX   XXXX   XXXX  (  XXXX  ). I make my payment through my bank direct withdrawal. I have n't receive any notice that the loan has been sold. I 've requested my bank (  XXXX  ) to provide all notice in writing to avoid identity theft and scammers these days. I have not been notified by the  XXXX . I believe this is a scam and a violation of my rights to notice and lack of consent to do business.     I would like it to be removed from my credit report, and I need the  XXXX  bank to face consequences of a formal investigation by the CFBP. I also would like them to provide proof that exactly stated that I authorized them to post this on my credit report.     Thank-you,  XXXX   XXXX   XXXX .
Consumer complaint received 2017-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

I OPENED MY SAVING ACCOUNT WITH CIT BANK ON XXXX XXXX,2017.THEY PROMISED ME BONUS AFTER THREE MONTHS OF OPENING ACCOUNT. SO FAR I DID NOT GET ANY THING FROM THEM. THEIR CUSTOMER SERVICE IS VERY BAD & ONE HAS TO WAIT FOR LONG TIME. IT LOOKS LIKE A SCAM TO ME.THIS BANK IS NOT TRUSTWORTHY AT ALL.
Consumer complaint received 2016-07-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

After my FHA Loan was transferred from XXXX XXXX company to Loancare XXXX, none of my mortgage information was transferred over correctly. Loancare reported me 60days late to the credit bureaus and tried to foreclose on my home after speaking with XXXX XXXX in the collections department and providing her with proof of payment to XXXX XX/XX/XXXX and XX/XX/XXXX, which was within the 60 day legal period of the loan being transferred. I also sent a letter to Loancare from XXXX stating that my loan was transferred to Loancare as of XXXX XXXX, which is why I continued my payments to them for those two months. I was reassured that these funds would be collected from academy and with no penalty to me. I also asked for my escrow account to be fixed since it was still reflecting a dramatically lower payment than I was making at XXXX. Even still i continued to receive constant foreclosure letters and no change to my escrow account. After getting a lawyer to assist me in this process I then spoke with XXXX XXXX who assisted in getting my monthly payment corrected but would not assist me in my escrow shortage. He claimed everything was update and could no longer assist me. I then spoke to someone in customer service named XXXX XXXX who admitted my escrow account was short and would work to resolve the issue but, I have yet to hear back from her. She asked me to forward her all my emails with XXXX XXXX and I did. This issue has been ongoing since XXXX XXXX. I have lost sleep and been stressed out for months. I thought laws were put in place to prevent company 's from treating clients like this. The lack of response and care is completely discomforting and unprofessional. It would take me to call Loancare 5 times just to recover one person to assist me correctly. With all said and done my escrow account is still short in funds. XXXX sent me information stating they sent over {$2300.00} for my escrow account through XXXX 2016. Loancare reports only having {$1800.00}, as of today, remaining. This amount is incorrect because my monthly escrow payments are ) XXXX. My monthly PMI is {$100.00}. My yearly Hazard insurance is {$720.00}. So if you add {$260.00} for each month of XXXX, XXXX, and XXXX, then subtract the monthly {$100.00} for PMI and {$720.00} for hazard insurance, my escrow balance should be {$2000.00}. Where is the rest of my money???
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Management (AL)

I requested Fox Collection Agency to provide me with proper validation of debt from the original creditor, not them, the debt collector. They refused to provide me verification of the validity of the alleged debt, they only provided me " verification '' of my name and amount of an alleged debt, on a Fox Collection Agency Invoice. I personally feel what they have provided me is improper documentation posing as debt validation. This is not sufficient for debt validation. They refused to provide any identifying documentation of the original account, no statements from the original creditor, payment history from the original creditor, etc. I then reached out thru email to Fox Collection Agency in regards to what they sent me, and I had requested more information trying to figure out the original creditor information, the alleged amount, in order to compare to my health insurance/ copayment records, and no response ; I wanted again proper validation from the original creditor, not them the debt collector. Fox Collection Agency never responded to me, and in XXXX added the debt to my consumer credit report. Debt collectors must provide proof you owe the debt to the original creditor, not to them. They did not provide that to me as I requested. 
It 's not a matter of not satisfying a debt, it 's a matter of the allege debt being correct, giving me, the consumer the documentation, so I can verify what to do. Especially since this is a Medical Collection, I needed all of the documentation to compare/ and verify with personal/ health insurance records.. It did n't match my health records on date of service, amount billed to insurance, or copayments, etc. 
I believe that Fox Collection Agency should be investigated for their corrupt practices. I told them in email, that I would satisfy any debt that is verified as mine, I had no problem with that. I have a problem with them refusing to provide verification of the original debt amount. They refused and added a derogatory item on my consumer report.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed to XXXX, Transunion and XXXX the deletion of a paid tax lien ( per the Consumer Assistance Plan whereby the XXXX credit bureaus agreed to a settlement with the XXXX state attorneys generals to delete all judgments and liens. In addition, the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011. 
XXXX has quickly deleted the lien from my report but Transunion and XXXX continue to not delete the item from my credit report.
Consumer complaint received 2017-07-12
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. (CA)

I have filed over 3 online disputes regarding  XXXX   XXXX  showing up on my credit report when I have not used their service in over 15 years. I have had a different phone carrier for 15 years or more and the credit bureaus have failed to listen and validate the debt. I want it deleted so that I do n't escalate this matter further.
Consumer complaint received 2017-07-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Ace Cashing in XXXX Tennessee Store Number XXXX at XXXX XXXX XXXX XXXX Tennessee cashed checks for person/persons using my identity. They cashed tax returns that was filed fraudulently. XX/XX/2014 using wire transactions. XXXX Treasury XXXX XXXX.Check number XXXX {$400.00}. X/X/14-wire transaction -check number XXXX {$650.00}. My drivers linsence & social security card was stolen. Tax returns are being filed fraudulently & the employees with Ace is cashing checks.The last digit on my drivers linsence was changed by an employee with Ace check Cashing.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (KS)

US Bank in XXXX, Kansas. I closed my bank account and wanted to reopen it but was denied. I had no bad checks or problems while the account was opened. I felt the Manager used his influence to get me to close it. I want to reopen this account.
Consumer complaint received 2017-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On  XXXX   XXXX , I sent the following letter to  XXXX ,   XXXX  , and  Trans Union  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from  XXXX  or  Trans Union .