davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXXXXXX XXXX XXXX XXXX EXTENDED ME CREDIT FOR PURPOSE OF GETTING MERCHANDISE. I MAINTAINED GOOD PAYMENT NEVER LATE OR MISSING ANY PAYMENT SYNCRONY CLOSED MY ACCOUNT WITHOUT ANY CONVERSATION OR LETTER INFORMING ME OF THERE INTENTIONS. I REACHED OUT TO FIND OUT WHY THIS ACCOUNT WAS CLOSED THEY INFORMED ME THAT ANOTHER CONSUMER REPORTED THAT THEY SHOULD CLOSE IT OUT. I EXPRESSED THAT CLOSINGA GOOD ACCOUNT WOULD AFFECT MY CREDIT AND SCORE. THEY SAID THEY HAVE ECERY RIGHT TO DO SO I INFORMED THEM THAT WE HAVE A ( LEAL CONTRACT WHICH WAS USED TO OPEN THIS ACCOUNT AND IF I MAINTAINED THIS IN GOOD STANDING IT WOULD BE REPORTED AS SO. IN DOING SO IT STARTED A RIPPLE EFFECT MAKING MY SCORE DECEASE AND KEEPING ME FROM GETTING OTHER OFFERS OF CREDIT. THIS IS A VIOLATION OF ARE AGREED CONTRACT IF THEY CAN WILLINGLY CANCEL MY CONTRACT THEN THIS MAKES A CONTACT VOID.AND THOSE ALL AGRREMENTS NO LOGER BINDING SO I ASKED THEM TO REMOVE THE CREDIT REPORING ACCOUNT SICE IT WAS THERE REASON TO CANCEL THE CONTRACT THEY REFUSE ( BREACH OD CON TRACT ).
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX Is reporting a debt of {$130.00} on my credit report and I am unaware of ever incurring this debt. I want proof that I signed for this debt or be removed from my credit report.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rent Recover, LLC (GA)

Company was attempting to collect a debt. Company has been calling all times of night about a debt that I do not owe. I have spoke with this company and they will not stop the harassing. They have took it to the extreme and called my employer, asked them how much I make, am I a good employee, how many hours do I work, and when do I get paid. This company has literally called my boss, and asked him he is screening my calls. This is unacceptable in my eyes. This is very unprofessional.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

This reason I am filing this complaint is to request an investigation into Bank of America mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that Bank of America correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.
Consumer complaint received 2017-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank aided a fraudulent client called XXXX XXXX defraud me of {$2200.00} when he promised buying my timeshares and asked me to wire the amount as closing cost into his account. When I realized it was a scam and contacted my bank to re-call the wire. Capital One informed my Bank they had put a hold on that customers account and that I should complete an Inter-Bank Hold Harmless Agreement and they will send me back my funds but when I did so they only sent me a check of {$680.00} without any explanation. Up till a couple of weeks ago I was never told when I will get the rest of the {$1500.00} back but they rather sent me a letter saying they had close the case. Their resolution of the matter is unacceptable as they have not given details of how the funds held in the said fraudulent account was disbursed. Before I signed the said form I was told by the XXXX representative who was working with me to retrieve my money, through an email that the said fraudulent account had be put on hold and all I needed to do was to sign the form and my funds will be returned to me. But after signing I was sent less than half of the amount sent. I have the right to know how much was in the account when it was put on hold and the details of the disbursement of the funds from the account. I 'm also by this email requesting an investigation into the circumstance that led Capital One to open a checking account for this customer without doing their due diligence under the " Know Your Client '' regulation under the Patriot 's Act. Above all, allowing the said account to receive multiple wires into a personal account that was NOT opened as a cashing business account.
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of the South, Inc. (LA)

I have no contractual obligation to pay this collection agency. I have asked for validation that this account belongs to ME, and they did not provide me with sufficient documents  within their 30 all owable days. All I have received are statements from another company. They are in current violation of the FCRA. I have also asked for them to update their records to reflect correct information, which they have not done so. This collection agency shows up as " Credit Bur eau of the South '' on my credit report, but all corresponding information from them is listed as "    XXXX   XXXX   XXXX   ''.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am reaching out to address several issues I've experienced with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors. I need assistance in resolving these matters to safeguard my financial security.
Consumer complaint received 2017-05-26
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. (AZ)

To Whom  It May C oncern, I have an account with  XXXX   XXXX    XXXX    ( Federal ) I  recently had an informative phone conversation with a representative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX    2015, ove r 60 days after I had a payment due. As a result, the late payment was reported to m y credit score.      On top of that, my email and phone number were not updated with  XXXX  Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This reason I am filing this complaint is to request an investigation into XXXX XXXX and XXXX XXXX XXXX mortgage companies reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage companies are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency is in the month of XX/XX/XXXX. I am requesting that XXXX XXXX and XXXX XXXX XXXX correct the fraudulent information they have report into my file ASAP.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

This is not my debt. I have ask the collection agency to supply me with supporting documentation that support their claim on XXXX/XXXX/2017. This request was sent by certified mail. However, now I am seeing this debt on my credit file.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

There are many transactions that I have disputed with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN, USAA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX in NJ. prior to marriage and during marriage XXXX XXXX XXXX ( XXXX, XXXX ) ( previous last, XXXX ) was transferring monies without my knowledge and consent. The 3 transactions that are obvious fraudulent due to my name only being on the account at XXXX XXXX XXXX XXXX and were transferred to an account with USAA where my name is not on the account are listed below. XXXX {$2800.00} from XXXX XXXX to USAA prior to marriage XXXX {$5000.00} from XXXX XXXX to USAA 1 month after marriage XXXX {$500.00} from XXXX XXXX to USAA Once there are many other transactions that have occurred without my knowledge or consent but I am starting with these.
Consumer complaint received 2017-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I was credited only seven qualifying loan forgiveness payments for the period beginning XX/XX/XXXXand ending XX/XX/XXXX. However, I made twelve qualifying payments during this time. On XX/XX/XXXX, I sent a complaint to FedLoan Servicing with a detailed breakdown of the payments I had made. I requested a written response by XX/XX/XXXX. That should have been more than enough time to respond. But they have still not responded.
Consumer complaint received 2017-08-14
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: EQUIFAX, INC. (AR)

We had a credit check for a possible loan while of vacation in late XXXX this year, noted the birthday was incorrect. ( wrong date was ( XX/XX/XXXX ) ). Contacted Equifax, and sent them requested information XXXX this year, XXXX twice ). I have sent Equifax copies of my drivers license and a utility bill from my address as well as a XXXX from that should have been sufficient. Received confirmation number ( XXXX ) dated XX/XX/XXXX. Stating my birthday was corrected toXX/XX/XXXX. Great right! Wrong! Back from couple week travel. Received another confirmation, ( XXXX ) dated XX/XX/XXXX, stating it was CHANGED BACK, to the wrong date! They have all my other personal data correct and I 'm pretty sure no one with my name lives in the house with me! And hope they do n't have my SS number.
Consumer complaint received 2017-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Garcadia Financial LLC (TX)

On  XXXX / XXXX /  XXXX    Foursight Capital took two  payments out of my bank account instead of the  one monthly payment I setu p and got a confirmation for. They severely overdraft my bank account. I reached ou t to Foursight and they acknowledged that multiple customers had the exact same thing happen to them. The want m y bank  XXXX   XXXX  to fix the issue.  XXXX   XXXX  stated it will take 90 days to fix the issue. This is unacceptable.
Consumer complaint received 2017-08-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XXXX XXXX, 2017. Ocwen financial servicing have been delay my modification even though I sent them all the required document that is the third time they made refill the modification package. they kept denying it. and I 'm paying very high interest on my mortgage. it is to much, I 'm at risk of not having enough money to pay the bank, and I ask them to tell they refuse. as I read online I see many other customer are having issue with them, and they were by the government for not following rule. I guest they have a bad culture. they do n't want to help customer instead of making it hard for them to lose they house
Consumer complaint received 2017-07-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VA)

Modification request sent XX/XX/XXXX Docs uploaded XX/XX/XXXX Follow ups until advised on XX/XX/XXXX told alternative income needs to be sourced, unable to reach anyone in department ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) finally spoke to rep XX/XX/XXXX who advised insurance payment is in wrong field. Resent borrowers affadavit with correction XX/XX/XXXX XX/XX/XXXX spoke to SPOC XXXX called weekly XX/XX/XXXX called advised modification denied, no reason in notes, XXXX rep, advised would escalated and reach out to management Advised to send in notice of appeal if no follow up call in 5-7 days from underwriter. XX/XX/XXXX filed appeal XX/XX/XXXX advised appeal request has been received bt it needs additional docs, XX/XX/XXXX sent appeal request hardship letter and docs XX/XX/XXXX spoke to rep XXXX adv 5-7 days to review appeal XX/XX/XXXX after calling weekly with no updated none of the call backs were returned, escalated file, sent email copied Loan Care upper management XX/XX/XXXX received email from XXXX XXXX advising forbearance was approved, received forbearance request, for a 12 month period in the amount of XXXX per month. ( Unemployment income was XXXX per week, daycare XXXX week, car note, car insurance, food gas, yes dint make sense, XX/XX/XXXX reached out to SPOC, spoke about negative credit impact, advised worked for a bank and needed this issue remedied in order to get comparable income to pay mortgage, stressed the longevity of this process, negatively impacted my chance to obtain a credit car increase, personal loan ect. Was advised delinquency unlocks programs to aide customers, versus customers who are not delinquent. XXXX due to negative impact further hindering permanent job opportunities/ forbearance agreement not thought out, and poses a negative customer impact, would prefer Loan Modification. Advised per pay stubs I am working, and would prefer mod. Resubmitted package, to SPOC, was advised this would be sent to underwriting and should hear something prior to first forbearance trial payment ( X/X/17 ) XX/XX/XXXX received email that processor needed me to resubmit docs, not new docs but the same docs. i thought maybe I had saved them wrong. XX/XX/XXXX advised file is with processor, not underwriter, file had not been reviewed. Finally 4 month later I am told after numerous callback request going unanswered that XX/XX/XXXX my file was assigned to underwriter 4 months later My ultimate goal is to shine light on the negative impact caused by the longevity of this process and it further hinders financial resources be accessible to person who reach out for help. Additionally, the purpose of the SPOC needs to be more functional, able, to grab a file, decision and run past management to reduce underwriters pipeline, and deescalate certain situations.
Consumer complaint received 2017-05-26
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. (CT)

RE :   XXXX  Account number  XXXX  EXPERIAN Credit Report  XXXX  Account not on file Dear CFPB : I had spoken with  XXXX   XXXX  from Experian in regard to my  XXXX  account that was purged from my credit report. I had contacted  XXXX  and spoke with  XXXX  and she sent me an e-mail regarding what happened. She sent me a letter and document that  XXXX  sent a re-insertion of account.     As of this date, Experian has not re-inserted my account and continues to report other accounts such as  XXXX   XXXX  #  XXXX . Experian has not been in compliance with the FCRA and has neglected and ignored  XXXX  request to re-insert my  XXXX  account.     I am asking the CFPB to go into my Experian credit report and dispute all negative obsolete credit information that is not in FCRA compliance.     Experian retains old negative information and deletes positive tradelines in order to suppress credit scores..     Further, Experian  XXXX  department has been viewing my credit report unfavorable and I request a revision to the current customer service I receive because of evidence of negligent and willfull non-compliance.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eagle Accounts Group, Inc. (MO)

Child Support has ALREADY reported the derogatory and inaccurate information to the credit bureaus. Child Support Enforcement is refusing to honor an administrative hearing court order, regarding child support. I had a child support administrative hearing a few months ago that ruled in my favor. I requested an administrative hearing to dispute the child support amount. It was a case where the mom ( custodial parent ) didnt inform Child Support Enforcement that during an 8-month period, that the child was living with the dad ( non-custodial parent ), full-time and she chose not to see the child for the first 5 months of that time. I requested the hearing because even though physical custody had changed, she continued to receive child support, because she didnt notify them of the change when it happened. Child support has ignored the ruling, and despite my many attempts, they are continuing to refuse to honor the specific order details, pertaining to the monthly child support amount ( Child support amount changed for a certain period because physical custody had changed for a period of time ).
I have faxed in requests for them to correct/adjust their records and to issue ME ( non-custodial parent ) the required $ 2,000+ overpayment, as awarded. Instead, they sent the mom ( custodial parent ) the $ $ credit ( overpayment ), that was due to me.
I have been calling and trying for months to get Child Support Enforcement to correct/update their records and make the proper adjustments, but they refuse. I personally went into a local office, more than once, and was given a payment history to show all the payments that had been received by Child Support Enforcement. I was also given a history of the required child support obligations. Their child support order history amount is incorrect because it doesnt represent the corrections of the child support amounts that were listed ( adjusted ) in the administrative hearing court order. Dates Complained : XX/XX/XXXX-Fax XX/XX/XXXX-Fax XX/XX/XXXX-Fax. XX/XX/XXXX-Office Visit XX/XX/XXXX- Office Visit
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (MD)

This is a follow-up to a complaint previously filed by me on  XXXX   XXXX ,  2017 . As background, I had not received a paper statement of my monthly bill and I was getting worried that they would send it too late for me to make the  XXXX   XXXX  payment on time. I did n't want to incur a late charge. I contacted customer service of  XXXX   XXXX  because that was  one  of the logos printed on a prior mortgage bill ) and  XXXX  told me that CMC Funding was servicing my loan and  XXXX  could not help me. I called  CMC Funding  and they pointed me to their website ( I never received a welcome package or information of what the website for online payments was ). But then I could n't seem to login. Finally, after working with the customer service person for an hour, I was able to access my online account and I paid my mortgage for  XXXX   2017 . Today I wanted to go online and check my escrow balance so I went to the CMC website. I clicked the top login button on the webpage and I was routed to a login page where I entered my information. But the webpage said that it did not recognize my account information so I called customer service back to report the online issue. When I spoke with the customer service representative, I was told to go back to the  CMC  website and click the login function on the BOTTOM of the webpage, as the login function on the TOP of the webpage routes to  XXXX  due to a website error. Both  XXXX  and CMC are subsidiaries of  XXXX  but they service different loans for the company. I find it concerning that CMC knows that there is a website functionality error on their website that is routing customers to the wrong loan servicing company and their current solution is to wait until customers call and direct them to use the bottom login. Before I 'd been told this information, I kept going to the top login function to try to access my account and on multiple occasions entered my social security number and other identifying information. It 's disconcerting to me that my information might have been sent to a loan servicing company that is n't associated with my mortgage on multiple occasions due to their website functionality problems. Moreover, CMC still has not addressed why I am no longer receiving paper statements. I ask that CFPB investigate   XXXX   and CMC to determine whether these companies are appropriately servicing loans and whether their negligence results in higher levels of loan defaults and late fees.