davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NJ)

Syncrony Bank keeps calling my home looking for a XXXX XXXX. This is obviously not me. This has been happening since 2009. I 've told them repeatedly that I am not that person and that these calls need to stop. Most of the time I get hung up on! Some times the calls stop for a few months, but they always start up again. Calls come to my home from ( XXXX ) XXXX.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be deleted from my credit report as soon as possible : XXXX XXXX COLLECTIONS INAlert Date : XX/XX/2015Source : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XX/XX/2015Balance : $ XXXXBalance Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXXPlease delete the above information as quickly as possible.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a home equity line of credit at XXXX XXXX XXXX XXXX XXXX XXXX. I paid the balance in full in XXXX of XXXX. This payment was ahead of the required payment schedule. The XXXX XXXX informed me later that I had been charged XXXX cents interest. This showed up in XXXX as a late payment to TransUnion. My credit score dropped over XXXX points. The XXXX XXXX has been trying to work with The XXXX XXXX XXXX companies and has successfully corrected the error twice, however both times they dropped the score again, citing the same late payment.
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Progressive Financial Services, Inc. (AZ)

I attempted to settle this debt with this company back in the begin of XXXX, I spoke with an employee by the name of XXXX XXXX, who I asked if i could be sent a settlement letter to settle the balance owed on a previous XXXX bill I had, I asked if I could have it sent via email or fax, the employee advised me that they could not do that. I said ok and we disconnected the call. I attempted again around the XXXX of XXXX and I spoke with an employee by the name of XXXX XXXX @ XXXX XXXX, who was very nice and I asked her I needed a settlement letter or something stating the validity of this debt, I asked her if she could fax or send me this letter, she stated no we can not do that, she stated she could mail me the letter, she verified my address, I asked her if she knew how long it would take, and she stated about 3 business days, since we XXXX are out of Arizona. Today is XXXX/XXXX/2015 and I have not been mailed anything to prove this debt. Prior to XXXX/XXXX/15, on XXXX/XXXX/15, I attempted calling to see why I never received this letter and I spoke to a receptionist who stated that the department were my case was handled had closed early and to try calling back on monday XXXX/XXXX/15, I asked if she could help me, she stated she could not see anything they could. I made multiple attempts today XXXX/XXXX/15 to call and speak with somebody and everytime I called the company, they asked me for my account number and I entered it, then I entered the ext of XXXX XXXX, nothing but a voicemail stating to leave my info to have someone call me back. I did not leave my information.
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DCS Financial, Inc. (WA)

Just received a letter from XXXX Service collecting for a local hospital. Debt is for a person with almost the same mane ( person that owes debt has different middle initial and living at a different address ). Also, some of the hospital visits are for a period when I was out of the country working for a company in XXXX XXXX. Just notified via mail. Individual is XXXX years younger than myself and has had trouble with the law in the past XXXX previous debt/restitution )
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX reported 60 days late payments to the credit bureaus, for missed payments that are the result of their billing systems errors. My account has been set up with the XXXX XXXX Auto payment that pays {$100.00} on the XXXX day of every month. In XXXX and XXXX 2015, the Auto Pay feature failed, and XXXX XXXX has not been able to determine the cause of this problem. I am requesting help to expedite XXXX XXXX process and timeframe for removing the erroneous late payments from my reports with all of the credit bureaus.
Consumer complaint received 2015-05-11
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I 'm a XXXX XXXX veteran, I applied for a modification to keep my home in which the VA is the gauranter. I feel they turn me down unfairly, I feel they did n't even try. They reveal to me that they went by a scale to determine my financial ability which I do n't think they considerd the details of my modification. Can I request your assistance with this matter? This is my XXXX home an I want to keep it but, I do n't feel I 'm getting a fair chance. Thank you
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Since XXXX, XXXX I have attempted to get Bank of America to correct the date of my oldest credit line from XXXX to XXXX. My credit card with this Bank states that I am a card holder since XXXX. My account number may have changed, but I have used a BoA credit card well before XXXX. My credit rating has suffered, because I rank a B in terms of " Oldest Credit Line '' in light of BoA 's wrong reporting. 
I have regularly sought to get BoA to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. BoA has dithered and refused to correct their mistake for my account no XXXX All credit agencies continue to state my oldest credit line as having commenced in XXXX. 
I am seeking your intervention to get BoA to correct their mistake and to inform the credit agencies that my oldest line of credit dates back to XXXX and before. 
Thanks for your help.
Consumer complaint received 2015-11-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (AL)

I received communication that I owed a debt to an old apartment complex I stayed in for only a month. I left the place because of their lack of security, roach infestation and loud obnoxious neighbors. I went to court because they said I had not paid my rent. I had money orders etc to show it was paid yet they still sought legal action against me. I responded to the judge and explained the situation thoroughly. The judge then waited the allotted time for the lawyers to respond and they never did. The case was then dropped due to lack of prosecution. I found out later when applying for a job that the apartment complex sold the assumed debt to a third party debt collection agency. I sent over the court documents showing the case never had a judgment placed on me yet they still try and pursue payment. I submitted documents to the credit bureaus and all debt was removed from my credit reports. This month I tried applying for a loan and was denied because a eviction showed up on my credit report. I need this stressful situation resolved because they are causing me undo stress as well as embarrassment.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

There are XXXX liens showing up with Equifax which only list XXXX Release of tax lien XXXX {$23000.00} and XXXX XXXX same {$23000.00} different doc numbers and XXXX also list XXXX {$3100.00} These were a mistake that have been resolved, I even went to the court house. I explained that numerous times, XXXX removed all. What do I need to do so these XXXX agencies comply with the law. These were filed in error no tax liens existed on my business.
Consumer complaint received 2015-10-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

On XXXX/XXXX/2015 I deposited a check in the amount of {$1200.00} to my personal checking account at Peoples United Bank. I did so using their mobile app. The check was paid on XXXX/XXXX/2015 and I have a copy of the cancelled check from the counter party that proves the funds were paid on that date. 

Nonetheless Peoples Bank did not credit my account until ten days later, XXXX/XXXX/2015. In the intervening time I was charged for returned items and 2 payments that I submitted were returned from the institutions I paid, causing me embarrassment. 

At this point Peoples Bank is refusing to credit me fully for the returned items, will not give me a written explanation and refuses to contact the institutions I had paid with an explanation of the faulty crediting in my account. 

Also, despite my changing my address information with a teller at the XXXX XXXX XXXX branch in XXXX, the address change was never made on my account. They still show the old address in XXXX XXXX! 

I want to be credited fully for the charges issued me during their delay, have a letter of explanation and have my returned item payees receive a letter explaining that this as not due to my fault. 

At Peoples Bank I spoke to a XXXX '. To say that she was surly understates the matter to a ridiculous extent. She kept me on hold for 20 minutes after another person had me on hold for 10 minutes. We did have a loud and angry exchange after that and then she put me on hold ... and for some reason (??? ), we were disconnected. Could she have actually hung up on me? Fortunately there is a tape of that conversation. 
Despite my requests on 3 occasions XXXX has not called me back. 

This account with Peoples United Bank has its origin in the purchase by Peoples United Bank of an account of mine at XXXX XXXX in XXXX XXXX. This account simply receives XXXX small pension payments, SS being XXXX of them. Fortunately I did not move any money to this bank because, after visiting a branch in XXXX my intuition told me that these people were inexperienced and not trustworthy. Therefore I did not move any other money to the account.These accounts do not make a material difference in my life or lifestyle. None the less, when I see how small account holders are really XXXX by banks, are charged usurious fees for overdrafts, are shunted around in call centers and generally abused by the staff I really do not want to hold my peace. I hope you can do something to reform this 'free checking '.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : 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 list of Inquiries. 

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 2015-10-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Zenith Financial Network Inc (CA)

I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Do n't know what this debt is They are reporting this as a open end account with XXXX late payments XXXX disputed over phone on XXXX/XXXX/15 dispute # XXXX They said the dispute would be taken care of by end of XXXX It was not Wrote letter dated XXXX/XXXX/15 and they then entered another dispute with the dispute number ( even though this is concerning the same dispute ) XXXX. I requested by letter and XXXX by phone that they send me in writing who the creditor is and they have ignored all my request The emails they are sending me are going into my spam folder so I do not open them So now it is going on 2 months and it continues to report more late payments I have not been contacted by any creditor concerning this item I thought by law they had 30 days to let me know what this debt is and if not, they have to remove it I have been denied credit because of this I would appreciate any help on this because they are just letting this drag on
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

I lost my job in 2012. I was denied unemployment and was unable to pay bills. I was able to borrow money for a time to pay my mortgage. As a result I got behind on my payments. When I could make a payment the mortgage company would not accept it as it did not cover the entire amount owed. However, they cashed the checks and retained the money but did not apply it to my account. I applied to the State of Michigan for help and when I was approved they contacted the mortgage company for amount owed and paid them. I was told by my rep from the mortgage company I would receive the cashed funds back as I was now caught up. I never received the funds and when I inquired with the mortgage company 's research department, as I was advised too, I was told the funds were used for additional cost. There should not have been any additional cost as the State of Michigan paid them.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

I never had a loan with XXXX XXXX I do n't no who this account belong to. I have ask XXXX XXXX to validate this account many times and I also informed Equifax that XXXX XXXX has fail to validate under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Because I view CFPB as a neutral government entity, I feel confident that keeping you updated to my plight is the right thing to do in my complaint process. I have submitted documents several time to Ocwen for a modification over the past month. My previous experience over the past years of dealing with this company is the issue of them stating documents are missing or information is missing. This is the same thing I have been told several times including two days ago, as the reason my request has not been processed. As a record I sent the documents through several different well established organizations proving the documents were sent and what was sent. Most recently I am told my IRS form and section XXXX and XXXX are missing here are the documents. I do n't understand why Ocwen is refusing to work with me.
Consumer complaint received 2015-09-03
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Agency of Credit Control (CO)

I was called yesterday by the number ( XXXX ) XXXX debt collectors. They threatened to sue me, and garnish my wages if I do n't pay. This debt is in my maiden name. I never provided my husbands info. The brought up my husband and saying he had an income. I know I have a medical bill balance. I was very sick for a while and could n't work.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (PA)

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: FIRST ADVANTAGE CORPORATION (TX)

I applied for a position with XXXX XXXX XXXX ( XXXX ), I was offered a position. However, XXXX XXXX XXXX has hired First Advantage Background Credit Reporting Company to do my investigate. First Advantage ( FAVD ) reported that I had an outstanding Criminal Capias Warrant at XXXX County Clerk of Courts from XX/XX/XXXX. I contacted the court, the Criminal Civil Capias was not outstanding, this was not true. First Advantage has reported to my future employer that I have an outstanding warrant when I never did. Both cases with XXXX County were closed by the court. I have filed two disputes with First Advantage. I never received a copy of the investigate. I went ahead a satisfied the civil case judgement and the Capias Warrant was dismissed and the judgement satisfied. I forward the information to First Advantage, although have acknowledged receiving documents me, they still refused to update the report and notified the employer, that the capias has dismissed per XXXX XXXX and judgement has been satisfied. I spoke with XXXX XXXX and they are still interested in hiring, they are just waiting to the report from First Advantage. I was told by FAVD this can take up to 30 additional days for them to update there computer database. My original start date with XXXX was on XX/XX/XXXX. I filed the first disputed with FAVD on XX/XX/XXXX, my 2nd dispute with FAVD was opened on XX/XX/XXXX. As of XXXX FAVD still stated I had an outstanding warrant which is inaccurate. In addition, the warrant was dismissed on XX/XX/XXXX and judgement was closed on XX/XX/XXXX. FAVD is stopping me from being employed, damaging my character and reporting inaccurate information when they have the court pleadings. I am a single parent and I need this job. I do n't think XXXX is going to wait another month to hire me. They were hiring for open enrollment which starts on XX/XX/XXXX. They employer will not take any information from me since they hired FAVD. The employer wants the report to show that its dismissed or removed. But FAVD is his holding up my job. Even though they have all the supporting documents from the court. This does not seem to be fair. I have verified with XXXX County Clerk Court, XXXX Ohio verbally and on XXXX County Clerk Court database which is online : XXXX ( Case # XXXX ) It shows that Capias Warrant was dismissed and the Judgement was satisfied.
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC. (VA)

XXXX/XXXX/2015XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXXSS # XXXX XXXX XXXX
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity theft and followed the procedures outline by the FTC guidelines as found here : XXXX XXXX the FCRA B requires that the credit reporting agency " Block the reporting of any information ... not later than business days after the date of receipt ''. 
Experian, XXXX, XXXX have refused to acknowledge such after receiving all required documents including : proof of identity, copy of identity theft report, consumer statement, etc. 

They are playing games and keep sending me documents by mail that state that I have not provide sufficient information. This is a blatant lie. I have mailed all required identifying information required by the FCRA certified mail and have proof of sending ledgible copies. This is a tactic for stalling and not following the laws.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have a XXXX " Charge Off '' on my Experian credit report that 's allegedly due to expire in XXXX XXXX. This is wrong, my charge off was first reported to Experian in XXXX XXXX. Now that this is XXXX XXXX, as required by law, 7 years have now passed and It needs to come off my credit report. Please have this removed from my credit report ASAP. How can Experian credit agency be so far off with their data. I have called XXXX many, many times about this issue and they do n't even have this account number in their database. 

XXXX has my XXXX credit report listed correctly. I have included a copy of my XXXX credit report, dated yesterday, XXXX XXXX, XXXX, as you can see, there is no negative activity listed. 
Thank you, XXXX XXXX XXXX XXXX cell