davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CURO Intermediate Holdings (IL)

This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the XXXX XXXX used by the store employee and a customer service by the unprofessional untrained manager
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I am filing a second complaint against Equifax because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/XXXX and the information with regards to XXXX XXXX remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/XXXX which brought the account current and placed the account under my ex name. Despite my continued efforts to get Equifax to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX Capital One closed my credit card account " due to inactivity ''. This were my oldest credit accounts and has negatively impacted my credit score by over 100 points. 

My credit card from Capital One was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX and it was closed without my consent on XX/XX/XXXX. 

Why all of a sudden did they close it after nearly 7 years of inactivity?? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open.

I have seen online that other people have successfully had their accounts  reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Venture : First I XXXX XXXX XXXX A XXXX XXXX XXXX and a XXXX XXXX XXXX. I have/had a capital one card always paid in full and only ever used for travel, household, family purchases. I am a mom of XXXX children XXXX of which are foster kids, so I spend family always. Two weeks ago I went to pay for our family cruise and was informed that my capital one card had been cancelled by capital one. Appalled, I called them and they said that I was not using my card for family and or household purchases. Literally I was embarrassed and shocked. This is all that I used this card for and I have proof of all the purchases. They told me I would receive a letter and I did, it basically said the same thing. I lost my points that I earned and its embarrassing because I havent done anything wrong. Then today my Kohls card was cancelled and they are stating it is because of the capital one issue. I have tried to reach out without any avail. I am not sure what to do!!! I now have 2 cancelled cards on my credit report and the main thing is the embarrassment like I have done something wrong! I want my cards back on and my points. I want this fixed. Should I get an attorney to step in and handle it? I did have my business attorney look at my info and he sees nothing I have done wrong.
Consumer complaint received 2018-06-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (CO)

I was under contract to purchase a new home with Supreme Lending. After the initial information requirements were met, I was told that everything was going great for the next 5 weeks and nothing was needed from me. Two days before my closing date I was given a huge list of " pre-approval '' items that were required in order to close and then told I was not going to close in two days and that we were given that information several times ... this was not the case, both myself, my realtor and the sellers had no idea we weren't closing in two days! There were multiple problems for the next 11 days until we finally closed. The biggest problem is that I didn't even get my final disclosures until Saturday evening when I was closing Monday morning ... those disclosures didn't even have the accurate amount of my closing costs of which I didn't receive until XXXX XXXX the morning of closing! This is a TRID violation! 

The amount of my closing costs increased at the last minute and the lender credits I was promised were nowhere to be found ... when I asked why my credits went from over {$2800.00} to {$460.00} ( which is why we increased my interest rate ) they said it was due to a lock extension fee and instead of charging me for it, they paid it with my lender credits ( essentially the same thing ). When I discovered what a lock extension fee meant I told them they were the reason my closing was delayed and they owe me this money, but I have yet to receive any type of response from anyone in their office. Had they done their job in the 6 weeks we were waiting to close rather than 2 days prior to closing, none of this would have happened! 

In the 11 days my closing was delayed, I was told I wouldn't close on this loan if I didn't get transcripts from the IRS in 24 hours ... this was impossible and I should have been told this was needed from day one, they told me I had to lower my home owners insurance premiums or I wouldn't close at all because they pre-approved me for too much, I was spoken to with incredible disrespect, ignored and not communicated with, given zero notice when they needed something at a specific time and then expected to leave work in order to fill those needs from my home computer and scanner, etc ... I have all email correspondence proving how awful this experience was and all the awful " used car salesmen '' treatment I was given. I called the owner of this lending office 3 times and left 3 messages ... my call was never returned. 

The owner of this lending company even admitted to my realtor that they dropped the ball on this loan, but I'm still being charged for their mistakes ... I want my money back!
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have sent several letters to Portfolio Recovery Associates and XXXX XXXX XXXX about the debts listed with their companies. I have asked repeatedly for the actual applications from the company they are collecting for. I get the bills and letters stating that the debt is valid. They have severely damaged my credit to the point I had to hire a credit repair agency. And they are charging me {$1000.00} an account and it's four accounts. I can not afford to have this incorrect information on my credit report due to my employment. These accounts have damaged my reputation so much that I can not get promoted due to the negative accounts. 
XXXX is {$570.00} XXXX XXXX is {$350.00} both with Portfolio Recovery Associates. Letter sent XX/XX/XXXX. XXXX XXXX XXXX has these accounts XXXX {$330.00} and XXXX {$1000.00}, Letter sent on XX/XX/XXXX.
Consumer complaint received 2018-06-04
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: EQUIFAX, INC. (NC)

I contacted equifax mid XX/XX/2018 via hand written letter. I asked them to verify with the information that CURRENTLY had on hand and to send me what they had in that file to verify each item. I'm well aware of my rights and know I'm aloud to request that information. I went on further to say " please don't send me back a piece of paper that just says " verified " Well! That's exactly what they did. The accounts are fraudulent so how they are verifing them properly is beyond me, plus they are responsible for furnishing the documents in my file at the time of my request used to verify them anyway, they did NOT. 

They sent me these papers plus a copy of my report. Clearly is a stall tactic. 

I'm now asking the CFPB, FTC and XXXX to step in.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XX/XX/XXXX, I lost my self-employed company and was unemployed for over a year, My wife and I started a Loan Modification with XXXX in XX/XX/XXXX. In summer of XX/XX/XXXX XXXX held a one day negotiating with several lenders present. Bank of America was our lender and sat down with XXXX to deliver a Fifteen year, fixed rate at 2.00 percent. We signed loan docs and our payments XXXX were based on fixed rate of 2 percent taxes and ins added. We were told the loan was approved and the payments would begin within 30 days. We were sent loan doc 's on XX/XX/XXXX but ( Loan Modification Agreement ) did not read the docs due to all of our personal issues and did not realize a reputable bank would scam a innocent home buyer. We have now found that we never were issued a fixed rate. In fact a ARM and a Balloon payment in the end of this loan. We now this is an illegal act and XXXX was not aware of the fraud and abuse by Bank Of America. The loan is currently with XXXX XXXX who denies all possible liability. I was given CFPB information directly by XXXX.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates (OH)

Bankruptcy in XXXX  in WI as part of divorce. Moved out of state. Attorney amended bankruptcy at hearing to include utilities. Utilities marked " closed '' on all of my credit reports with a XXXX balance. I did not receive a bill. Attorney told me everything was taken care of. 
Received a letter from L.J. Ross Associates, INC in XX/XX/XXXX. An attempt to collect a debt for XXXX XXXX in WI for {$250.00}. If I did not respond in 30 days they would assume the debt is valid and place a judgement against me for the debt. I called L.J.Ross and was told that it was from XXXX. I should call XXXX XXXX about the debt. 
I called XXXX XXXX and they could not give me a meter reading or dates of service for this debt. The agent told me that they did not accept the amendment to the bankruptcy. Agent also said the bill was larger and they reduced it. I asked why it was 4 years old and was told they sent it to another agency and had recently changed to L.J. Ross who were more aggressive. I stated I have never received a bill before they sent it to any collections. Agent also told me it was out of their hands and I should again call L.J. Ross.

It has been over 4 years without any notification or communication about this debt.

I am told to call the utility company by the collection agency and told to call the collection agency by the Utility company. 
XX/XX/XXXX the collection agency shows up on my credit report.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information
Consumer complaint received 2018-06-04
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. (CA)

I have 10 different line items but with the same type of department which is reporting to the credit bureau. Because of the 10 different line items it is affecting me to the degree it greatly impacts my credit score and prohibits me from being able to obtain an apartment. I have asked the credit bureaus and the creditor to remove the duplicate line items from my credit report which to no avail. So I am filing this complaint in an attempt to have the 5 line items removed from my credit report. Items in dispute are the XXXX XXXX XXXX/XXXX - XX/XX/XXXX - XX/XX/XXXX. And the XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX - XX/XX/XXXX. Both departments are reporting 5 line times but are of the same account. Both department accounts are closed. XXXX XXXX XXXX/XXXX has sold the account to the XXXX XXXX XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (KS)

XX/XX/XXXX I received an alert that my loan with Home Point Financial is being reported 30 days past due in the amount of {$780.00}. Every time I log in to their website, I have received 0 notice of any past due amount, and have received no communications in writing or by phone of a past due amount. 

I attempted to log in to their website, but am locked out. I attempted to call them to get it unlocked, but they're only open M-F XXXX-XXXX. 

I attempted to call them this morning, and they're having " system issues '' yet again. I can't access basic information about my account in the IVR, because any time it tries to pull up my account it locates 2 loans and then gives me an error message and hangs up on me. 

They've had " system issues '' and " website difficulties '' since they did an " upgrade '' to their services. This has resulted in a communication to accountholders with them from their company 's president, yet it's still not fixed. Their XXXX official response team just says " we're going through system changes/updates '' to any problem reported. 

There's virtually no way to contact this company if you have a servicing issue, and they've now violated FCRA.
Consumer complaint received 2018-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I did an international wire transfer to XXXX XXXX XXXX XXXX XXXX, ( beneficiary ) of XXXX, via my credit union ( BECU-Boeing Employees CU ) on XX/XX/XXXX for an upcoming XXXX  XXXX in XXXX and XXXX this XX/XX/XXXX. I was told by BECU that funds would be credited to the beneficiary no later than XX/XX/XXXX. Transferred amount of {$5600.00} was for covering the transportation and accommodation fees for the 10 day trek ( XXXX to XXXX and back for my wife and I ). 

The XXXX XXXX has yet to receive the money transferred. I called BECU around XX/XX/XXXX and was told that I could file a wire trace on or after XX/XX/XXXX, which I did. I did not hear from BECU on the status so I went to a local branch ( XXXX ) on XX/XX/XXXXto talk to a customer service specialist and requested for retrieval of funds since they did not seem to be able to trace where the wire transferred funds appear to be. The specialist told me that the retrieved funds should be transferred back into my account within 24-48 hours. 96 hours have passed and still no sign of the funds being retrieved back into my account. I called the customer service department and was told that BECU can do nothing since the beneficiarys bank ( XXXX XXXX XXXXXXXX XXXX ) had not responded to their request for retrieval of funds. The customer service specialist would not let me talk to their wire transfer department personnel even though I informed him that I wanted to know why they do not seem to know the where abouts of the funds. I told him I had spent quite a lot of money for travel to XXXX and if the XXXX XXXX doesnt have the XXXX fees delivered before the start of the XXXX, my wife and I will not be able to go on the XXXX. He just refused to connect me to the wire transfer department saying that they do not interact with customers. This was patently false statement as I had talked to them a couple of times while checking on the status of my wire transfer. 

I here by request CFPB to look into this lack of response and negligence on part of BECU in tracing and retrieval of my funds. I will greatly appreciate your help in an expeditious resolution of this matter. 

XXXX XXXX XXXX XXXX - cell XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

{$63000.00} was reported to my credit account number the judgment was only for {$10000.00} and that was covered. I requested this to be removed from my account and the company XXXX said they sold the account I contacted Columbia Debt Recovery they have been difficult and said they are contacting the company XXXX they received the amount for {$63000.00} on XX/XX/year> I provided them with them the correct amount and judgment and nothing has been changed etc. my account credit is reflecting this false inaccurate debt and cause my life pain. the judge also removed my mother and they have tied it to her as well. please remove
Consumer complaint received 2018-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

Equifax and XXXX are refusing to verify 3 debt accounts on my report. I have sent 3 previous requests,XX/XX/XXXX was the first, XX/XX/XXXX was the second,XX/XX/XXXX was the 3rd, and today will be my fourth request. They have not sent me any documents showing my signature on a contract with these debt companies, or a picture ID, or anything with regards to the results of there investigation, as prescribed by section 609 and 611 of the FCRA section. I plan on taking legal action if this continues to not be corrected. In addition there are 3 collections listed where the original debt is over 4 years and close to the old term of seven years.