davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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 (NC)

I opne an credit card account with caital one services, XXXX XXXX XXXX XXXX XXXX, ut XXXX, on XX/XX/2018 an arc payment ( note ) was sent to my bank giving them the ok to send or do an pay to capital one to recive {$25.00} for my min payment.I call capital one to check up on my card acount on XX/XX/2018 at XXXX.they told the account was close, i ask why, the said on XX/XX/2018 when they sent the payment to my bank that the bank deny it becoause it was money in the account, so, i call XXXX which is my bank XXXX XXXX XXXX XXXX XXXX ca XXXX , we did an 3 way call in which an rep from capital one, an me, XXXX an rep from XXXX XXXX was on the phone together, my bank rep from XXXX told capital one the phone talk was recorded by me, the bank an capital one, they told them the reason why the payment to go out wasnot because, capital one would not did collcet the note, we ask them why, he stated he was going to look into it.that was strange, affther the bank rep hang up.he told me to hold on when he came back to the phone he said that the could not correct the matter cause the bank said it was not money in the account, keep in mind we just got off an 3 way the bank rep said that the reason was cause capital did not colcect, the note and the money was in the account to cover it.i told him that.ask if i could have the papers ect.. so i can fail an complaint, the co has an investigaton team that do just that look over acount check and corect mistake ect..the custumer has to tell them that want it they has investigate and let the person know what hapend, if person need statement letter doc ect ... that are show it give to.thats the consumer rigths fed law also cover that to
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I opened an HSBC Advanced Checking account was told before I opened it that I did qualify for the {$350.00} bonus. The bank closed out my first CFPB complaint claiming because i had a credit card with them already, i was disqualified, so they closed out my CFPB complaint. 

I am opening up another complaint because they flat out lied!
Consumer complaint received 2018-07-24
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. (PA)

XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal
Consumer complaint received 2018-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (AL)

I have missed my XXXX mortgage payment. I have called my servicer The Money Source several times about a deferment, forbearance, or any help in becoming current. I told them I don't have XXXX 's payment but I will have the XXXX payment. I told them I receive {$800.00} in monthly social security and {$73.00} a week in unemployment. The collection agent continuously tried to force me in to selling the home to avoid foreclosure or refinance and add YEARS on to my loan amount just because I am 1 month behind. They have denied a deferment and forbearance. I need help but refinancing and/or selling my home because I had an unexpected expense this month hardly seems like working with me to resolve this issue. The Money Source refuses to actually care and help me resolve this issue. I just don't have XXXX 's payment but I will have XXXX 's payment
Consumer complaint received 2018-07-24
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

I called 'Procollect rent collection agency ' at their phone number XXXX to settle an outstanding rental debt that I wasn't even aware of. I first spoke with a lady ( I didn't get her name ) who was very abusive and aggressive in her language. I gently asked her that I was willing to settle the debt with not the full amount ( {$1600.00} ) but with what I have - which was {$1100.00}. She berated me repeatedly and abused me for not accepting the offer that was made to me in 2015. I tried several times to explain to her the reasons for not being able to settle it, but she continued the aggressive berating. I asked her why she was mistreating me and was it due to the fact that I'm an XXXX and my name is XXXX and she said 'Have a nice day ' and hung up on me. 

I called back and asked to talk to a supervisor and they put me on hold for 10 minutes after which I hung up and called back. This time a lady named Ms. XXXX answered and asked me to hold and before I could reply, put me on hold once again for another 7 minutes after which I hung up. I called again and I asked the lady why they were putting me on indefinite hold and she put me through. I finally got through to XXXX XXXX and I explained to her the abuse I'd recieved earlier. She said that she trains all her employees not to be abusive which was not true at all. I asked her if she'd be able to offer me a settlement and she too rudely stated that she wouldn't and proceeded to read out the consequences. I asked her if my inability to pay would show on my credit report and Ms. XXXX STATED CLEARLY THAT THIS DEBT WOULD SHOW UP ON MY CREDIT REPORT. When I said that I'd checked all my credit reports ( XXXX, XXXX  & XXXX XXXX ) she reiterated that I was wrong that it indeed would show up on my credit report. I couldn't take anymore of her abuse and hung up. 

Ms. XXXX and her employees not only abused and berated me for not being able to pay, but she made a PATENTLY FALSE STATEMENT that my credit history would be negatively impacted by this particular rental debt.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX XXXX XXXX regarding a credit card account that was filed in XXXX Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation.
Consumer complaint received 2018-07-25
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. (NJ)

I am furious. I have been dealing with this credit situation since XX/XX/2018. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. Transunion sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

XXXX never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX  Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2015 Balance : {$80.00} Terms : High Balance : {$80.00} Limit : Past Due : {$80.00} Payment Status : At least 120 days or more than four payments past due Comments : CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT
Consumer complaint received 2018-07-24
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. (TN)

In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (NC)

I was charged {$3000.00} fee in 2010 and was told by ACS that there was nothing that I could do about it. I had been out of work off and on for 5 years. In late 2010 I finally found steady employment after moving to North Carolina. Not only did I receive excessive fees, but my interest rate was raised to 5 % from just over 3 %. Now ACS has changed to Conduent and apparently no longer service my loan as I tried to log on to pay my bill. I also just jacked my credit app and who ever they gave my loan to has jacked up my interest rate to 7.75 %. I need help. I would greatly appreciate assistance in dealing with these crooks.
Consumer complaint received 2018-07-24
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. (FL)

There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, XXXX, and Transunion regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX  XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX - Account # XXXX
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, 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. (TX)

I have several inquiries of XXXX and XXXX I would like for them to be removed as per my ex boyfriend was trying to get a vehicle and had my information but I never authorized the dealerships to run my credit. I tried to contact them and dispute but they didnt do a thing. So I would need these hard inquiries to be removed from my credit report.
Consumer complaint received 2018-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (FL)

This company continues to harass me and leave me threatening voicemails over a loan that was previously taken out with " XXXX XXXX. '' I have advised Synergetic Communications (  the debt collector in this case ) that I received a letter from the STATE OF FLORIDA that XXXX, XXXX D/B/A XXXX XXXX, is unlicensed in this State and I do not have to pay back the loan as it was illegal to be issued to me at all, which I was not made aware of prior to taking the loan. 

Furthermore, they have not only called me, they are starting to harass my friends. I received a voicemail from a close friend, who is currently serving  in the XXXX XXXX XXXX in XXXX, XXXX. He advised you called and left him a threatening voicemail as well. I have advised them this is an illegal loan and i will not be paying it back, but the calls continue. 

The amount originally taken was {$600.00}. I made three payments of {$140.00} before I received the letter from the state, at which point i disputed the previous payments with my bank ( who also sent me a letter that the dispute was valid and closed ) and received my money back. 

YOU ARE TO STOP CALLING ANY PARTY INVOLVED IN THIS MATTER. YOU MAY ONLY COMMUNICATE TO MYSELF IN WRITING. IF FURTHER CALLS CONTINUE, I WILL FILE A LEGITIMATE LAWSUIT FOR UNFAIR DEBT COLLECTION PRACTICES. 

THANK YOU, XXXX XXXX
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I have never done business with the XXXX XXXX XXXX XXXX XXXX. This account was opened due to fraud.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted TRANSUNION 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the  Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have contacted Trans union more than once probably about 10 letters, last i call them which is very hard to get anyone to answer their number..i question about an indentity theft alerts i saw on my credit report at that time they told no such statement was there and they had removed it..today i received a post card saying they had place by my request..BIG LIE!! i contacted them via phone asking to remove an alert that was place with out my knowledge and permission as identity theft, i was told it was not there again, they had place an alert when i never requested to be put on, which they lied to me they told me it was nwever there, as well, they have refused to removed address that dont belong to me, i never lived on it.
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Hello, I have received a call from XXXX group in attempt to collect a debt on XX/XX/2017. During this call I requested that they send me a hard copy letter with more details so that I would feel more comfortable giving my banking information over the phone.They said they would do so, as well as sending an email. I did receive an email, however it seemed fishy because the senders email address was a different name than the name that was signed at the bottom of the letter. Since they agreed to send a copy through classic postal services, I decided to wait until I received the hard copy to ensure it was not a scam. I haven't received anything in the mail to this day, so I assumed that it was not a legitimate call as they didn't provide proof of debt in paper, so I proceeded to ignore any calls from that number until I could receive verification. Now my relatives are calling me, saying that somebody is looking for me and that there are charges against me. My aunt even stated that after she spoke with whoever was calling her about me that he said " She can consider herself served ''. I'm not sure how to take that but I do feel threatened. Today I sent a certified letter to XXXX XXXX, with my updated phone number asking them to send me something in paper so I can go ahead and make arrangements to clear the debt. I have also called three different numbers that seem to be linked to this group, and the line doesn't even ring. I will attach the letter, I sent along with receipts to this record. I will also attach the email the " XXXX representative '' sent me as well.
Consumer complaint received 2018-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

When I purchased my home XX/XX/XXXX, after settlement I was informed the home had 2 HOA 's instead of the one we agreed to in settlement. Thereafter it was always a struggle to pay both. In XX/XX/XXXX I lost my job, I was still paying the mortgage using my retirement savings. I reached out to Ocuwen, my loan servicer since my mortgage company went bankrupt, for help. They told me there was no way they could help unless I stopped paying the mortgage. Since in XX/XX/XXXX, I was almost out of retirement funds, I followed their advice. I went through the process of filing a modification to the loan three times. On the third time, in XX/XX/XXXX, I decided to list the home for sale since I wasn't sure what the outcome would be and it was schedule for auction XX/XX/XXXX. My realtor found a buyer for $ XXXX, I owed $ XXXX. The buyer was scheduled to settled XX/XX/XXXX. Ocuwen refused to accept the buyer and put the foreclosure on hold. The home went through the auction, I never heard anything else from Ocuwen. In XX/XX/XXXX I received a XXXX for $ XXXX debt write off. What are my writes because I do not feel like any of this was handled properly. I feel like Ocuwen set me up to take my home.