davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

I moved out of an apartment complex and did not pay the final month of rent. They sent me to small claims and ultimatley garnished me. I fullfilled the full garnishment that was approximatley {$3300.00}. On the garnshment there was a column for other damages ( as far as carpet blinds basic maintance of the aprtment ) and on the original garnishment they put XXXX. In the state of Arizona you can file a small claims complaint of up to {$3500.00}. Now US Collection west is attempting to garnish another {$1300.00} for damages. In addition, with the original garnishment they charged for rent unpaid. In this new small claims complaint they are charging another {$540.00} in rent ( what they told me the time it took to rent out the apartment ). They are attempting to sue me twice on XXXX lease agreement. I feel like they got the most they could get in the original garnishment as allowed by small claims court XXXX and they are attempting to go for more. Another issue I am having is they filed the original small claims complaint with XXXX Justice Court and now for the second complaint they are filing with XXXX XXXX Justice Court. I would like an explanation on why they are using different courts if it is the same collection agency and for the same apartment complex. I believe this to be decieving the court system
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NJ)

In XXXX XXXX my account was accessed ( not by me ) and my report was run. I asked equifax to provide the IP address that was used to access my account. I called and made this request in XXXX XXXX. I was told to call back every couple of weeks to check status. On XXXX XXXX I called and was told that the company found no fraud and that an IP address could not be provided without a subpoena. I asked for this in writing and was refused. I fail to understand how or why an IP address for a log into my secured account requires a costly subpoena. Terrible service. Additionally, agent hung up because I told him the service XXXX. Also, if you call and follow prompts to close your paid service you are locked out to a fast busy from the VRU. I asked the agent named XXXX for the name of the regulatory body that I would contact to file w complaint. He gave me the XXXX information. I informed him that they were a consumer advocate but not a regulator and he told me that is all he could provide. Misinformation and lies.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WY)

In XXXX 2016 my entire tax packet mailed by my CPA was stolen from the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. I requested a 7 year Extended Fraud Alert from Transunion, and they and Experian placed this on my credit report, and confirmed same in writing. Equifax has never responded in writing, been uncooperative, and has informed me that they only except a " Police Report '' or " FTC Fraud Affadavit ''. They do not recognize the IG Report for US Postal Service Mail Theft. I told Equifax this is ridiculous that they are the Law Enforcement Agency for Mail Theft. I provided a copy of this report, case number, both other Credit Bureau Letters that state they have accepted my request to place a 7 year Extended Fraud Alert on my wife, and my Credit Report. On XXXX XXXX, 2016 I spent over 1 hour talking to " Equifax , XXXX, XXXX XXXX ''. I was told no 7 year Extended Fraud Alert would be allowed because the US Postal Service Theft Report is not a Police Report. Equifax was looking at the completed explanation letters, Equifax Information form, Theft Report, and copies of photo id, Social Security Card for identification they requested. All these documents were scanned into their system and available for the Fraud Department to review. I sent all this to them by US Postal Service Priority Mail for myself and my wife. Equifax , XXXX said you can not send in a husband and wife notice in one mailing by Equifax Policy, and no action was taken on my wife 's signed affidavit. XXXX said no one responded to my wife 's request because this is against Equifax Policy if a husband and wife send in a letter in the same mailing. The letters we sent included both of our Copy of Drivers License, Copy of SS Card, Copy of Joint Banking Statement, Equifax Form required for 7 year Extended Fraud Alert, and ( XXXX ) other Credit Bureaus saying we have a 7 year Extended Fraud Alert on our Credit Reports. What more does Equifax need? Now they want us to resubmit in separate mailings yet they have chosen to never respond in writing once to my consumer request for assistance with MY CREDIT REPORT. XXXX and XXXX have no problem writing to me as a consumer. XXXX said my wife would have to call in to file a dispute. My wife called " XXXX, XXXX Department '' on XXXX/XXXX/2016. XXXX provided a new confirmation case number XXXX, and she said once again the IG US Postal Service Theft Report does not qualify as a Police Report, and told my wife she would need to go get a Police Report. Who is running the Fraud Department at Equifax? Please help us with Equifax because they are being unreasonable, and unresponsive?
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I had several investigation going on in the past with Equifax Credit Bureau. Recently in my communication with Equifax they discovered I had multiple credit report with them. When I spoke to the representative I ask her when they combine my reports will the deleted credit come back on my credit report and the representative stated no that will not happen. I received a notification from XXXX XXXX today and my reports were merge and the items that were deleted appeared on my new report. I call Equifax once again and I did not receive any resolution. Also I am a authorized user on some accounts and those credit card accounts are not showing up on the new report. This has been a frustrating situation dealing with Equifax. Why should the consumer have to deal with this unprofessional company. I worked as a XXXX for many years and have not had these unusual situations. With Equifax you have one representative telling you one thing and another telling you something totally different. I had XXXX collection account with AR resource that were deleted off of my credit report about 4 months ago and NOW the accounts are reporting back on their. Also XXXX XXXX XXXX XXXX account were deleted and back on the report one again. I spend a lot of time in the past faxing things over to Equifax showing them that some of the credit item were NOT mind and turn around and have to start all over once again. The government is paying a whole lot of money for Equifax representative to mess up my credit report.
Consumer complaint received 2016-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MN)

I graduated college in XX/XX/XXXX with about $ XXXX in public and private student loan debet and thanks to the recession could n't find a job in my field till XX/XX/XXXX. All the while falling deeper into credit card debt to afford my loan payments. I was paying around XXXX % of my income to service debt. Every time I thought about my finances or future I would get depressed. That resulted in poor performance at work and eventual termination. I cashed out my retirement to make payments and do n't see the point in even trying to get a job because there is no way I will ever get out of debt. I 'm probably a month away from suicide.
Consumer complaint received 2023-09-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I spoke to a representative approximately XXXX about a relief. I missed 2 payments in 2020. I have not missed a payment since. I have a negative mark on my credit and I do not have extra funds to pay the late 2 payments. I asked Toyota motors to relief my late payments and I will continue making payments including the late payments, it was denied. I cant refinance my loan even with a fair credit score XXXX because my 120+ day delinquency. I received calls during the day and after XXXX XXXX, and on weekends wanted their payment. they sent me letters stating they will repossess my vehicle.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

Macy 's credit card permits my card to be charged monthly for some " credit protection '' subscription service I never authorized. I have contacted the card issuer by email on numerous occasions to notify them that this is an erroneous charge but they allege they are powerless to stop this charge or to remove it. They direct me to a phone number, at which I have never been able to reach a person to get the charges removed or ceased. Since this number fluctuates in proportion to my present balance, it appears that this is a form of undisclosed interest on my purchase amounts. This is absolutely unscrupulous.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ORG GC GP BUYER, LLC (MA)

I always saw my son growing up with as a stellar career in the future. He was and still is very brilliant and unique. As a young child, he was very interested in XXXX, therefore ; when he graduated high school, he wanted to pursue to have a XXXX XXXX in the XXXX field. After 2 years of hard work and dedication, my son graduated from a promising XXXX XXXX XXXX in XXXX, MA ( Honors : XXXX ) with an XXXX XXXX in XXXX. I was very proud of him and mostly importantly happy that my son was fulfilling and living his dream. The school was highly expensive but My son and I were assured by the Financial Department, Career Advisors, Professors and The Dean of College ; my son would lend a profitable job and career soon after graduation. My son has always been curious for education, with my help, we took Federal Student Loans ( Parent Plus Loan ) to help pay for his " promising school '' tuition. After graduating with an XXXX XXXX in XXXX, my son realized moving to XXXX and continuing his education to receive a XXXX XXXX at a reputable XXXX XXXX was the next chapter. Since College Education is extremely expensive, we had no choice but to take additional Federal Loans to pay for my son 's school in XXXX. While in school, My son excelled in XXXX to be exact, to having a XXXX complimenting his unique sense of presence. We were very naive. We truly believed if my son gave his best ( which he did by being top of his class with a XXXX XXXX XXXX in XXXX ) after graduation from a recognizable and reputable school, he would lend a steady job. As a mom, there no other moment like seeing your son graduating from College. I was so very proud of him. After my son achieved his goal, we then realized Jobs in XXXX are very scarce and low paying. we took out massive loans only to realize I will be stuck in a " Debt Bubble '' for the rest of my life. A Parent Plus Loan makes me responsible for all the loans my son and I took during his college years. Unfortunately, my son has n't landed a job for more than 3 years after graduation. He truly had a hard time landing a job. As for me, I do not make enough to pay off his loans, therefore ; I am always harassed by Collection Companies. I have an issue with the federal loans my son and I took out but what i 'm frustrated with is that Collection Agencies raised the interest rates up to 400 % of the loan taken. I sometimes can believe my eyes when I look at my bills. The fact that I will never be able to make enough money to pay off my sons school federal loans is disheartening and depressing. Today, my son is working in a total different field from XXXX and unfortunately, his school degrees have never been useful.
Consumer complaint received 2024-10-10
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

OCWEN has once again badly lowered my credit score. They fixed it back to normal except for XXXX, which they continued to bicker with and blame. XXXX blamed Ocwen. 
Today my XXXX score also dropped drastically from good to bad. OCWEN knows they are preventing me from getting a fair personal loan to pay for my XXXX that are not covered by his insurance. They know they just stopped me from getting a loan to treat termites that I was planning to do next week. They keep causing my credit score to drop drastically as they keep changing how they report my loan. Now they are reporting to XXXX XXXX that it is no longer my loan. They are hurting me and my XXXX son. I have NEVER been late on a loan payment the entire six years I have paid this loan but they keep injuring me and my son anyway.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (FL)

Hello, my name is XXXX XXXX, and I received several emails on XX/XX/XXXX & XXXX regarding this XXXX XXXXXXXX XXXX Continental Bank-Celtic Bank that on they ran my credit without a written authorization by me this is Identity FRAUD I did not solicited nor requested this service by this company my personal information have been stolen. I have attached below proof that my name and address was used in several ways in attempt to acquire the credit. I demand a proof of a wet signature of my behalf that this was in-fact solicited if the company can not provide my written signature, I am requesting that the hard inquiries produced by this company be removed immediately from my credit report and all three major Credit Bureau XXXX XXXX XXXX & XXXX XXXX Due to this fraud, I requested a Police Report for the Identity Fraud Report.
Consumer complaint received 2017-02-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: American Mortgage Investment Partners Fund I Trust (WI)

OMB #  XXXX  had been addressed with  XXXX   XXXX   XXXX .  Loan Number   XXXX .     Since then we have worked diligently to have their internal record s ( incl uding our statements ) reflect the correct information, to no avail. We also inquired about paying off the loan.     With no prior correspondence or discussion we received foreclosure notification in the amount of {$390000.00}. Please note the previous case with the  XXXX   XXXX   XXXX  proved  XXXX  had previous knowledge of the information and proposed to internally resolve the discrepancies.     Although the connection between  XXXX  and AIMP Management is not clear, it appears AIMP has been engaged and is responding to inquiries. I also checked the internet site and found the same P.O. Box address.      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX  PH :  XXXX  ( direct ) FX :  XXXX   XXXX  In addition to the prior discrepancy there are now issues regarding the correct amount paid for property taxes. Although we 've provided the official  XXXX   City and County re cords which clearly represent payment from us, AIMP is claiming  XXXX  pai d them.Their  evidence are  XXXX  checks  1 )  Check number  XXXX  {$20000.00} made payable to  XXXX  County but cashed by the  XXXX   XXXX   XXXX   (  the City  and County  bank with  XXXX   XXXX    XXXX    ). 2 ) C heck number  XXXX  {$6200.00} made payable to  the City Treasurer. T his was also cashed at the  XXXX   XXXX   XXXX .     In both instances the unique stamp employed by  the City and County were n ot present nor do their records indicate receiving them.     That was the outline of events. What I would like to convey is we have no idea what role AMIP Management has in this proceeding. We also dispute the checks were used as they are claimed to be. As previously demonstrated in our past dealings through the  Consumer Protection Agency  there seems to be ongoing administration to our mortgage.
Consumer complaint received 2023-09-23
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: EQUIFAX, INC. (MI)

XXXX inquiries have not been verified by the company. The supervisor at XXXX fraud department spoke with a Equifax representative on XXXX XXXX to confirm this information can not be verified. I will be moving forward with a law suit fir stress and damages also defamation of character.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Over the last several years my mortgage had been sold/bought by several different loan service agencies. Seterus was the last loan holder prior to my selling the property on XXXX/XXXX/XXXX. Appears that after escrow closed on sale of this property, Seterus noted that I had over paid them by {$740.00}, and according to their records a refund check was mailed to my current address on or around XXXX/XXXX/XXXX. Up until mid XXXX XXXX I was unaware of this over payment, and that a refund check had been issued, but never received from Seterus. On XXXX XXXX, XXXX I received a letter from Seterus stating that the check they sent to us, had not been cashed, and at 120 days they would be sending monies to the state as " abandoned property ''. On XXXX XXXX, XXXX I called Seterus, my contact advised that they would follow up and reissue check. The amount was actually XXXX checks, but she combined total refund into XXXX amount. On XXXX/XXXX/XXXX I had not received check, and again called Seterus. They advised that they had verified check had not been cashed, and would be reissuing check this week, I should have it within week. Having received no check by XXXX XXXX, XXXX, I submitted a fax expressing concern on not having received check yet, and request they follow up. XXXX/XXXX/XXXX I again called Seterus, spoke to a XXXX XXXX, male, who went back to very beginning, pushed his information that was old news, refused to listen, but insisted I listen to him, put me on hold to research info, and after 10 mins + hold, disconnected my call. I now see that CFPB has well over XXXX complaints about Seterus, all with similar problems. I would like to collect the funds owed myself and ex-husband. I would also like to see Seterus not be able to buy loans of any sort, due to their poor management of peoples loans and money.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I 've been a Bank of America customer since 1996 and the only reason why I 've continued to use their services is because the long standing credit history is good for my credit score. However, their incessant terrible customer service has finally compelled me to pay the card off in full and to drop the card ( as well as my banking account ) with this poor service institution despite the imminent drop in my credit score. Their interest rates are ridiculous and they are never amenable to lowering the rate, their customer service wait times consistently exceeds 45 mins and the last time I requested an interest rate reduction, the customer service contact was rude and falsely noted that my rate would not be reduced due to my credit history with the bank. I calmly asked the representative to elaborate and she could n't ( by the way -- I 've never had a late payment in my entire 20 year relationship with the bank and always pay beyond the minimum due ). I told the representative to please provide me with evidence of any history as it is a mistake and she kept deflecting the issue. ( By the way, I watch my credit like a hawk as a fico.com member and all three of my scores are around XXXX ). 

Furthermore, the bank service is terrible as well. In one instance, I was in the process of notarizing a document at a bank, provided my identification, signed the document, and the XXXX customer service rep accused me of forgery. I had my SS #, license and birth certificate in hand and finally, XXXX of the bankers ' superiors was able to assist me and apologized for his colleagues lack of professionalism. Consequently, I will move my $ XXXX/month automatic draft, checking and credit services to XXXX. 

I 've had many peers tell me about Bank of A 's notoriety and frankly, I will encourage all of my peers to never bank with such a terrible institution. There are much better alternatives available.