davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (FL)

URGENT HELP- This is regarding a Debt the only Debt that is only Credit Report on all credit Bureaus, I have been trying to resolve this matter for the past XXXX to no avail. At this point I am trying to close on a home and this debt on my credit report is stopping everything in its track. I have contacted the XXXX XXXX, which was XXXX XXXX XXXX XXXX  {$480.00}, which they never sent me any documentation stating this account was mine or that it had been sold. I then get which is now what is appearing on my credit reports XXXX XXXX XXXX XXXX XXXX, which I have contact them on countless times, non the less I have not received any written documentation only what appears on my credit report. Then I get a email from a company that is called XXXX, which states that they now have the account and that they will settle the account, however when i contact them, the advice that they do not have the account that XXXX has the account and then XXXX says they have the account so it's been the run around, no one can give me any documentation or no one can tell me if this is my account of at this point how do i pay it off. They can not even tell me whom i can pay it too because everyone is denying they have the account this is stopping me from getting pre-approved for a home, these are the numbers the contact numbers and the account numbers XXXX reference number to XXXX ORIGINAL CREDITOR LAST XXXX DIGITS XXXX, I have never received any reference number or any XXXX I am not sure what number this belongs to. Documentation from XXXX or any account number or reference number it is just on my credit reports, XXXX XXXX, XXXX, XXXX. At this point I wish to have this REMOVED off all XXXX credit bureaus as soon as possible of if someone can please help me resolve this matter.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A message from a company impersonating Bank of America saying my transfer of money ( i didnt transfer money ) was rejected. Also I don't have have a Bank of America account. 

The email sending the message was : XXXX they provided a " customer support '' phone number to call : XXXX " for more details ''
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section XXXX, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXXXXXX 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (CA)

The car loan started on XX/XX/2013 in the amount of {$21000.00}. The monthly payment is {$520.00}. More than 5 years has passed and they show the loan balance is {$19000.00}. Only {$2000.00} has been applied to the principle. The trade in value is {$3000.00} and private party sale value is {$6000.00} according to XXXX XXXX XXXX. This is just not right. The loan has over a year to go before it reaches maturity. 

They are also incorrectly reporting the payments to the credit bureaus and affecting my credit in a major way. The information they are reporting does not match the information on my statements. 

I am completely trapped! This is without a doubt extortion! 

The lender is Consumer Portfolio Services located in XXXX, California.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

I owed a {$3000.00} debt to XXXX XXXX  to XXXX and equifax. I disputed it with equifax and theyare the only one not to remove the credit off my account. This is a case of fraud on my account and im trying to start my credit junory but this is stopping me for continuing with my life. I have uploaded a picture showing the disputes i have uploaded and you can see the dates. They have not even took the time to review the case. The results of there case was that im still at fault. How could i be at fault for fruad?
Consumer complaint received 2023-02-03
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. (FL)

Hi I'm attaching a document for incorrect information reported on my credit report. Attached are two supporting documents stating that a payment was scheduled to be made XX/XX/XXXXout of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

In XXXX of XXXX, I filed a request for Mortgage Assistance with Carrington Mortgage Services , LLC . Due to a failure in my marriage, impending divorce proceedings, split custody arrangements, and a large flux in the contracting market as I am an independent XXXX, I fell behind on my mortgage payments. Upon filing this application, I was two months behind and sent in all required documentation to request relief in the form of moving overdue payments to the end of the loan without penalty and without causing disruption to my credit report. I had not missed any payments prior to this and dating as far back as the original loan of XXXX. I utilized my accountant XXXX as my proxy ), who also works for the XXXX XXXX XXXX, to ensure all required documents and forms were submitted. Over the last 12 months, Carrington has continuously asked for submission of the same information, either expressing that they never received it or that what I had filed had " expired '', causing unnecessary delay in the relief process. Carrington has, more than twelve times, requested the same information that was submitted via my proxy over and over again, each time with facsimile confirmations that the information was received on their end. Carrington has gone as far as threatening foreclosure and as of XXXX XX/XX/XXXX, rejected my entire application and are saying that I have to restart the entire process all over again. Due to the ongoing circumstances that evolved over the last year, I am now 11 months behind, acting on the advice of Carrington that everything would be taken care of and now am at risk of losing my home, which is the source of my income as I am an independent XXXX and the home for my daughter and I, who I am the sole financial provider for. I am requesting that Carrington honor my original application, move all overdue payments to the end of my loan without penalties and fees, and remove any negative marks or remarks on my credit report.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to my understanding I had over XXXX  credit on my TransUnion report an the company supposed reimbursement due identity theft TransUnion deleted everything off my credit report refusing to provide all the company an phone number that was on my credit report so I can file civil action lawsuits against them I feel like that was wrong illegally activities that TransUnion did to me now can't provide evidence tamping with investigation now saying I can't get no copy file lawsuit on TransUnion credit report agency if I don't receive a copy everything was deleted all the company cause XXXX XXXX XXXX XXXX XXXX  was on there illegally
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My loan was transferred to Mr. Cooper in XXXX XXXX XXXX. Since I have been with them I have had several issues that I have had to call and get corrected. The issue that I am reporting today is concerning my escrow and tax payments. 
On XX/XX/2022, I called Mr. Cooper and informed them that I had received my supplemental tax bills and requested that they paid them out of my escrow since I had been paying estimated taxes into my escrow for this event. They informed me that they don't normally pay supplemental taxes. I told them that was fine but I would need for them to send me a refund from my escrow for the estimated taxes that I had been paying. They placed me on hold and came back and told me that they would pay them. They asked that I send over my supplemental tax bills. I advised them that the first installment was due by XX/XX/XXXX and they advised me that it wouldn't be a problem since it was still early XXXX. They told me that they would process the payment as soon as they received my tax bill. I emailed the copies of the tax statements them on XX/XX/2022. 
In XXXX, I received a notification that one of my supplemental tax bills had not been paid and was assessed a {$97.00} penalty. I immediately called Mr. Cooper and went over the issue with them. The representative apologized and told me that she did see where they agreed to pay my supplemental taxes out of my escrow and she would get it taken care of. She also told me that since it was their error, Mr. Cooper would pay the penalty.

I received a phone call from Mr. Cooper about a week later in regards to my issue. Once I logged into my account, I found that the amount that they paid out of my escrow didn't match the amount that was on the supplemental tax bill that hadn't been paid. The representative told me that she only had access to the amount that they paid and couldn't see details to explain why they paid that amount. Since the payment had just processed a day before, I told her that I would follow up with the County Assessors office the following week to see if I could get an explanation. Once I followed up, the County Assessors office determined that Mr. Cooper had paid the full amount of the delinquent supplemental tax bill along with the penalty which is why the amount didn't add up to what was showing on the tax bill. 
I then contacted Mr. Cooper back to get the {$97.00} penalty amount resolved. Although I was told they would take care of the penalty, they refused to refund me that amount. 
I don't feel like I should be penalized for them not making the payments as agreed and I want {$97.00} refunded back to me. 
The representative at Mr. Cooper 's position is that they don't pay supplemental taxes so even though they paid it late, it is not their responsibility to pay the penalty. 
My position is that they should be responsible for the penalty because they were notified and agreed well before the bill was due and had they honored their agreement, I would not have been assessed a late penalty.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

Hi I'm attaching a document for incorrect information reported on my credit report. Attached are XXXX supporting documents stating that a payment was scheduled to be made XX/XX/14 out of savings account. It was stated that the payment was late by 30 days which caused a late payment to my credit report. I have never missed a payment for this account. My bank statement shows that the amount was never pulled nor did I posse a returned check fee. It also shows that that their were funds in the account at the time the payment should of been processed. As a result a made the payment because you all said the payment was returned but after further review nothing was taken out of my account. I'm asking that you verify and correct error and remove the late payment from my credit history.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (MO)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (GA)

Axos bank has a freeze on my account and asked me to send a picture of me and my ID in order to prove my identity. I did so and they still refuse to release the funds. I transferred the money into the account from my XXXX account but have not been able to access them. Now they will not respond to me on the matter. The money has been in the account since XX/XX/2023. I have been trying since the XXXX to get the funds out but as I said Im told no and axos has also refused to send the funds back to the account that they came from. This is only {$450.00} so its not like its some red flag raising amount. Thank you for your time helping me work this out.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.
Consumer complaint received 2023-02-03
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: W&A Intermediate Co., LLC (IL)

To Whom It May Concern : I'm preparing to purchase a home and received a copy of my credit report. I noticed a medical account from Choice Recovery, which was originally for {$450.00}, and when I looked, the account is now {$520.00}. " Under the new law, credit reporting bureaus will remove all paid and unpaid medical debts of less than {$500.00} from credit reports, '' I called to inquire why the increase, and I was told by law they could collect more fees. However, they did not receive permission from the courts to add an additional fee. In accordance with the Fair Credit Reporting Act, this creditor violated my rights on many levels. These are a few ; In accordance with Fair Credit Reporting Act, this collection agency has violated my rights. Under [ 15 U.S.C. 1681e ] Compliance procedures ; [ 15USC 1681n ] Civil liability for willful noncompliance and 15 U.S.C 1681o ] Civil liability for negligent noncompliance. For the reasons stated above, I request the collection be removed from my consumer credit report, all three credit reporting agencies ; XXXX, XXXX, and XXXX.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (MI)

15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I demand the following be deleted from my consumer reports for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act : STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN STATE OF MICHIGAN Also under 15 USC 1681 Section 602 A I have a right to privacy.

The following inquires are unauthorized on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I discovered that a fraudulent credit card had been opened by Capital One in my name. This was the result of identity theft. The credit card was opened on XX/XX/XXXX. At the time, I had a lock on my credit through XXXX, but Capital One still opened the account.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this complaint to bring to your attention a serious issue that I have been facing with the Consumer Financial Protection Bureau ( CFPB ). I have filed over XXXX complaints with the CFPB regarding violations of my rights as a protected consumer, but unfortunately, all of my complaints have been closed without any resolution. 

I believe that the CFPB is blatantly violating my rights as a consumer and ignoring the complaints that I have filed. I have done my due diligence in reporting these issues, but it seems like my efforts have been in vain. I am extremely disappointed and frustrated with the way my complaints have been handled by the CFPB. 

I demand that the CFPB investigates my complaints thoroughly and takes appropriate action to resolve the issues that I have reported. I expect the CFPB to provide me with a fair and just resolution to my complaints, and to take steps to prevent similar issues from happening in the future. 

I would like to request that you take immediate action on my complaint and provide me with a written response indicating the steps that have been taken to resolve my issues. 

Thank you for your prompt attention to this matter. 

PS. Because you all haven't assisted in the matter i can only assume my negative items are identity theft
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MN)

I am writing to formally address a negative credit report that has been issued by Synchrony Bank Amazon, claiming that I have an outstanding payment of {$570.00}. I would like to clarify that I have never taken any loans, made any purchases, or accrued any debt with Synchrony Bank Amazon.

Upon discovering this negative report on my credit record, I promptly contacted Amazon to inquire about any outstanding debts in my name. Amazon confirmed that I have no outstanding balance or unresolved debts with them.

However, Synchrony Bank Amazon has informed me that a payment in the amount of {$570.00} has been recorded in my name. Despite my repeated requests for a detailed explanation or documentation to support this claim, Synchrony Bank Amazon has failed to provide any substantial evidence or further clarification regarding the alleged debt. 

Given these circumstances, I believe this charge is incorrect and unjustified. I respectfully request that this matter be investigated thoroughly, and that the negative credit report associated with this erroneous claim be removed from my credit record. 

Thank you for your attention to this matter.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (IL)

GM Financial are intentionally and irresponsibly reporting wrong information to my consumer report. Which is a clear violation of the law. The law states that I am entitled to an accurate report, in which GM Financial is in violation of 15 USC 1681e ( b ). 

I reached out to GM Financial on or around XX/XX/XXXX, to ask why they were reporting late payments after my insurance company and I, had made them aware that the vehicle was declared a total loss on or around XX/XX/XXXX. I express to them that they were intentionally trying to harm my name with the consumer reporting agencies and requested that the late payments be removed. GM Financial removed the late payments and payment history from my consumer report and charged the account off on or around XX/XX/XXXX. 

Also, GM Financial received a {$44.00}, XXXX payment on XX/XX/XXXX from my insurance company. However, on XX/XX/XXXX GM Financial charged my account off as bad debt in the amount of {$61000.00} as reported to the consumer reporting agencies. Vehicle was declared a total lost on or around XX/XX/XXXX. 

I am demanding that GM Financial update the Account Status, Payment History, Past due amount and Balance of this account as follows : Account Status : Paying as agreed. 
Payment History : On Time from XX/XX/XXXX to Present Past Due Amount : {$0.00} Balance : {$17000.00}.