davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

SLS has paid my home owners insurance in the past. I was paid in full  XXXX   XXXX  for the period  XXXX   XXXX  -  XXXX   XXXX . SLS has now made  3  additional disbursements on  XX/XX/XXXX  i n the amount of {$2300.00} to  XXXX   XXXX   (  which was n't due until  XXXX   )  I believe they attempted to prepay both my home and auto insurance for the   XXXX   year. Our Homeowners  Policy  was only around {$1100.00} for  XXXX . They also went of to make a second in error disbursement to  XXXX   XXXX  on   XX/XX/XXXX   in the amount of {$1100.00}. Just a few days after, on   XX/XX/XXXX   we switched insurance companies to  XXXX  and prepaid the insurance for the year in the amount of {$610.00}. SLS then for the third time this year made an in error disbursement to  XXXX  in the amount of {$45.00} on  XX/XX/XXXX   ( after we already prepaid the year - see bank attachment ).  <P/> SLS, through all these disbursements, in which they did n't use common sense, put my escrow in negative up to - {$1100.00}. They also happened to do an annual analysis of my escrow in this time period which upped my monthly escrow by over {$400.00} a month for 3 months and then upped it more than {$100.00} a month the remainder of the year. Their error is causing us hardship by increasing our escrow more than 40 % per month. All I am asking is for some shared responsibility in this. I will pay it but they need to lengthen that time.  <P/> Also, according to  XXXX  this is not an isolated case and I feel horrible for anyone else going through this with SLS.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NC)

Capital one hired Lvnv funding llc XXXX XXXX of Nevada to collect XXXX the was discharged but XXXX XXXX kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote XXXX XXXX and know XXXX XXXX is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX . I never had a account with Lvnv or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by XXXX XXXX to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess . There is a file XXXX # XXXX I never opened new account with this company I called and XXXX XXXX once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old . Thanks you for your time XXXX XXXX
Consumer complaint received 2017-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have 2 companies on my Transunion Report that I did not authorize to do any inquiry on my credit report. One was XXXX XXXX and the Other XXXX XXXX XXXX. These have been on my report since 2015. I have asked Transunion to delete to no avail.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I have been negotiating this short sale for years, and it goes in a vicious circle of needing documents, submitting docs, extending the law day, repeat, repeat, repeat. I submitted a complaint in XXXX 2016, # XXXX, but the short sale still has not been approved. I work with all lenders, negotiating short sales, and this lender is hands-down the worst.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (MD)

I recently tried to open a new checking account with a bank and was informed that I was not able to get a new checking account because XXXX was reporting me as owing Suntrust Bank which was very surprising to me. About 2 years ago I started having problems with Suntrust Bank and the manager at the time promised that she would resolve the issue. I made deposit into the bank and they had the account all out tof sorts, which the manager asked me to wait a few days to rectify the situation which at the time I agreed to. I used to receive direct deposit into that account from the state of MD which I later stopped and changed because of continued issues with Suntrust Bank. The problems persisted and never corrected. I went into the branch located on XXXX XXXX in XXXX, MD and requested that this account be closed. I was assured that the account was closed however it was not. <P/>After I was denied a checking account I contacted Suntrust that it appears that I did go into the bracnh to discuss those issues I was having and the it also appears that an error occured and the account never closed which a charge or charges happened and kept it opened and then they later subsequently kept it open without my knowledge and later sent it into overdraft and then they later charged it off. <P/>I did not understand how that could be possible when I requested that the account be closed and was assured that it had been. I was asked by Suntrust to go into that branch and request that the fees be reversed and the account closed properly and they would not. <P/>I also offered to pay anything that they claimed that was actually mine in other to rectify they issue and the bank insisted that I needed to pay the complete amount of {$490.00} which supposedly all fees. From maintenance fees to fees for being in overdraft fees for a prolonged period of time. <P/>I have also been contacted by a collection agency XXXX XXXX XXXX XXXX XXXX in connection with this account.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

Never received letter from debt collector and found out about alleged account via credit monitoring service. I called to request validation and was hung up on. I sent a validation request as soon as I learned of account via regular mail and never received a response. I re-sent the letter again both via regular and certified mail ( 30 days after original mailing and no response ), confirmed that they received it, and have not received a response for well over 30 days after receipt of second, certified request. Debt collector is in violation of the FDCPA and I reserve all rights to seek damages under the FDCPA, for defamation of character, and all other avenues available by law.
Consumer complaint received 2017-07-12
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 on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDCOUNTRY FINANCIAL CORP (KY)

XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX financial has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

Although within my credit limit, CitiCard blocked a transaction from being authorized. When I called to rectify the situation, I was told that nothing could be done because their system was down and they could not explain to me why my transaction was being blocked nor could they authorize the transaction. I was told to call back in 2 hours and they could hopefully resolve this situation. This was an unacceptable response. <P/>This prevented me from using the 0 % interest for 21 months that was a key feature of my product.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

A 30 day late payment was inaccurately added to my Barclays credit card account in XXXX of last year. I called Barclays multiple times and after explaining my situation and how this was inaccurately reported to my credit, the representatives said they would look into removing the 30 day late payment mark from my report. <P/>It has been a couple of months since then and the 30 day late is still reporting on the payment history of my Barclays credit card. <P/>I am very happy with my Barclays account and I intend to keep it open for a long time. I have continued using and making payments on the account. I know I did not pay my account late, I have always made my payments on time. <P/>There should be multiple records of the conversations in the notes for my credit card account.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CO)

AFNI inc. is continually updated the date reported on my collection account. The account was initially reported in XX/XX/XXXX Just today, after I just submitted a complaint about the company ( XXXX ) on XX/XX/XXXX. Today ( XX/XX/XXXX ) they flagged my credit report with the same collection account only update the status date to : XX/XX/XXXX. They are clearly attempting to poison my credit report my falsely reporting information.
Consumer complaint received 2017-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (ID)

The first time I contacted Monterey Financial Services LLC was when a collection/derogatory mark was placed on my credit report in XX/XX/XXXX and they are reporting it as an account that was opened XX/XX/XXXX. <P/>I explained to them that I am a victim of fraud and that this is exactly the way my identity is being used, online and with addresses and emails that I am not associated with. They said they would not assist me, that I must " deal with '' the 3 credit bureaus. I requested a copy of my file and they sent me a copy of the application and an electronic signature dated XX/XX/XXXX.
Consumer complaint received 2016-12-07
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Pacific Rim Alliance Corporation (WA)

XXXX on XXXX, WA XXXX. I took out a payday loan and ran into financial trouble with unexpected medical bills, on top of rent and my car needing new parts. I tried to set up a payment plan with the company. Anything really instead of paying the {$570.00} all at once which would overdraft me and cause me to be unable to eat XXXX drive, or pay for rent. I told them not to charge my bank account because there was no money in there but they have n't seem to have got the message in the past month. I gave my bank a stop payment order but each time the company Checkmate tries to take out the {$570.00} it costs me {$35.00}. I just need them to stop trying to charge my bank until I can get back on my feet again, or until they can work with me in order to come up with a payment plan.
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

Case # XXXX Please Do not closed this complaint unless this issues is resolved I have never had a XXXX XXXX account I have asked this company to please Validate this debt and they have failed to do so! I 'm asking again Re : Acct No XXXX To JEFFERSON CAPITAL I am  writing this letter in response to the phone call/letter received from you on XXXX17. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. <P/>Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and.Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. <P/>Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. <P/>Thanking you, XXXX XXXX
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

I am disputing a public record on my credit reports with all XXXX credit bureaus on verifying bankruptcy information on my credit reports. I have submitted letters asking all XXXX bureaus verify this public record and " send me copies of the documents listed in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). '' I stressed the fact that " Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted '' I asked for copies of how they verified the information, who they spoke with, etc. The letters were sent to XXXX, XXXX, and Equifax via certified mail. I 'm not sure if proper process was followed, but the only response I received was a letter stating that the accounts were verified. My initial request for documentation was completely ignored. I personally sent a letter to the US Bankruptcy Court and asked if my case had been verified by them and with whom they had spoken with and I was informed that they do not provide case information to anyone, including the credit bureaus. It is also my understanding that Under FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), unless I have authorized The Bankruptcy Court, Trustee, XXXX XXXX, etc to furnish any information pertaining to me to any third party or CB, they can not do do. So, how has my information been verified? If they have not verified the information or can not verify such said information and send documentation as requested, it must be deleted immediately. XXXX, even basically told me that my dispute had been previously processed and they would not dispute again unless new information has been sent in. I was under the impression that they were supposed to dispute information as requested. This information is damaging to my reputation and credit worthiness.
Consumer complaint received 2016-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Equitable Acceptance Corp (NV)

In XXXX of 2015, a company named Equitable Acceptance contacted me in regards to consolidating my student loan debt. My understanding of the agreement was that my student loan would be consolidated and paid off. My payment would be {$39.00} a month. For the past year, I paid the {$39.00} a month with no problem thinking that my student loan with the US Department of Education had been paid off. I recently found out that this was not the case. I contacted the US Department of Education and found that I may have been scammed. At the moment, my loans have been consolidated with the US Department of Education and I 'm currently making my monthly payments. I have stopped paying Equitable Acceptance. According to my last statement I owe them a balance of {$1100.00}. I feel this company took advantage of me and am going to seek legal advice as to what to do next.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I sent a dispute with Equifax on XXXX XXXX, 2016 though the fax number they provided. I have waited for the file to show the items I disputed to be in dispute but upon calling them they are telling me they received my cover letter and the last XXXX pages of my dispute which are my identification and utility bill, which is convenient for them as they do n't seem to find the actual letter of dispute. I have also uploaded the dispute in their online dispute and they have not even acknowledged my dispute. It will be 30 days on XX/XX/XXXX with none of the accounts and personal information that is reporting inaccurately on my credit file being in dispute. I have attached the original letter sent on XXXX XXXX that they have indeed acknowledged was sent and they received.
Consumer complaint received 2016-12-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX see attached spreadsheet. Numerous vioations icluding but not limited to illegal fireclusure Federal offense by foreclosing while in a class action lawsuit Isurance fraud Inclusion of earthquake. Insurance unauthorized Gross enrichment Insurance fraud ... .. The list goes on and on.
Consumer complaint received 2017-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On X/XX/2017, I 'd downloaded my credit report. I called on X/XX/2017 to get a rssolution, no results. I explained that it was a computer glitch that was TrabsUniob problem, not an error of myself caused my inquries to be deleted. Once the glitch was realized, TransUnion added them back on my report. I did not receive proper written notification 5 days prior to it appearing. I 've contacted TransUnion in good faith to ask them to delete the hard inquiries that they had illegally re-added. These hard inquiries add a hardship and my rights were violated by TransUnion. I am asking CFPB to help me make TransUnion to stop victimizing me. Also, I am asking a resolution that all my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

Recently I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XX/XX/year> I received a response stating that the accounts were verified on XX/XX/year> I am formally requesting a description of the procedure your bureau used in providing all information to the original creditors in processing my dispute under FCRA 611 ( a ) ( 7 ) To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditors to ensure a proper investigation of my dispute.iam requesting you provide me all information used for your investigation, as required by FCRA 611 ( a ) ( 7 ) Per FCRA you are required to provide me this information within 15 days or delete negative items
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect {$700.00} the was discharged but capital one kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote capital one and know capital one is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX. I never had a account with XXXX or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by capital one to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess. There is a file XXXX # XXXX I never opened new account with this company I called and Capital one once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old. Thanks you for your time XXXX XXXX