davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
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. (TX)

In XX/XX/2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX  advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and Equifax that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
Consumer complaint received 2018-03-14
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. (NC)

Starting on XX/XX/2018 until XX/XX/2018 I have sent three letters to XXXX, Equifax and XXXX and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WALL STREET MORTGAGE BANKERS (NY)

Loan originator XXXX XXXX XXXX # XXXX had a deceptive advertisement on page 17 of the XXXX XXXX on XX/XX/18 and possibly other dates. According to the NMLS consumer access page, XXXX XXXX has an NMLS number attached to " Wall Street Mortgage Bankers, Ltd ''. This company is not mentioned anywhere in the advertisement. According to the NMLS consumer access page, Wall Street Mortgage Bankers Ltd. has no DBA 's associated with it. In the advertisement, XXXX XXXX was advertising rates which are no longer available at the quoted APR. The quoted rates have not been available at the quoted APR for some time now. The ad quoted a Fannie Mae 15 year fixed at 3.25 % rate and 3.637 % APR at a time when the industry average 15 year fixed is circa 4 % rate at par. The ad quoted a Fannie Mae 30 year fixed at 3.75 % rate and 3.969 % APR at a time when the average 30 year fixed rate is 4.5 % at par. The example scenario for these rates did not include a loan amount and only stipulated " Min 20 % down ''. Directly underneath said rates was text stating " CONDOS, CO-OPS ... .ALL GOOD! ". This is misleading again because Fannie Mae has rate add-ons for condo and coop loans at loan to values higher than 70 %, so even if the rate quoted were available ( which they are not ) those rates and APR 's would not have been available on a condo or coop at the cited 80 % financing. The deceptive and misleading advertising from XXXX XXXX should cease immediately. The public deserves accurate information about current mortgage rates
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have filed Bankruptcy for more than 10 years now, and it still shows that I still have a bankruptcy on my record. That's the reason I can't get a higher score until now. I've been paying all my credit cards and still shows a low score. I don't even get a credit card on some department stores until now. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2018-03-15
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 pulled a copy of my credit report and noticed that there are several inquiries being reported on my credit report in error. I have sent 2 letters to Experian Credit Report agency via certified mail requesting removal or to provide proficient validation of the inquiries. They have failed to comply with my request. Before I seek damages, I'm filing an official report now as a last request. It is my understanding that the FCRA states that the only permissible purpose for pulling someone's credit report is : a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX  XXXX XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XXXX XXXX XX/XX/2017 4.  XXXX XXXX XXXX XX/XX/17 5. XXXX  XX/XX/17 6. XXXX XXXX XXXX   XX/XX/17 7. XXXX XXXX XX/XX/17 8. XXXX XX/XX/17 9. CBNA XX/XX/17 10.  XXXX XXXX XXXX XX/XX/17 11. XXXX XXXX  XX/XX/17 12.  XXXX XX/XX/17 13. XXXX XX/XX/17 14.  XXXX XX/XX/17 15. XXXX  XX/XX/17 16. XXXX XX/XX/17 17.  XXXX  XX/XX/17
Consumer complaint received 2018-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AR)

Dear Sirs, I use my XXXX checking Bill Pay service to automatically pay my monthly bills. When you bought my mortage from PHH there had never been any problem with on time payments. Several months after you acquired my mortage I received a notice that I was overdue on my payment. I immediately contacted my bank and they had sent the check for {$1100.00} on XX/XX/18 but it had never been cashed. I was told it was never received by someone at Loan Care. I had my bank stop payment on the check and also immediately issue a check ( or credit card ) for {$2100.00} on XX/XX/18 to bring my account current. They also sent you a check for my regular payment of {$1100.00} on XX/XX/18. The person I talked to at Loan Care said they would remove the late fee since you lost the check. Someone " found '' the check and attempted to cash it. 

On XX/XX/18 I was sent a letter stating I had a {$25.00} fee because of a returned check from my bank. This was the check you claimed you had never received that I stopped payment on because you claimed it was " lost '' and in spite of the fact I had made a double payment and my account was current. 

I talked with XXXX ( XXXX ) about my complaint and asked that the {$25.00} return check charge be removed. She said she had no authority to remove the charge. I asked that my mortage be transferred back to PHH. She said that could not be done and that I was required to write this letter to you. I am very unhappy with your company and your lack of professionalism. Mine is a VA loan and I will be filing a complaint with the VA. Please remove the {$25.00} return fee and have my mortage transferred back to PHH. 

overcharge on XXXX # # # # # # # XXXX Loan CareXXXX
Consumer complaint received 2018-03-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (MS)

I have two dates they have come by the house looking for me and those were XX/XX/2018 & prior to that, it was about a week or two before on XX/XX/2018. 
Then on XX/XX/2018 they called my Work. After they were told not to call again, they did later that same day & harassed a coworker by questioning them whether or not they were delivering their messages to me. 
Then on XX/XX/2018 I sent a cease & desist letter. 
XX/XX/2018 they contacted my sister in law & my biological sister about my debt. 
The calls to my employment are daily and have been since the beginning of XXXX of 2018, even after they asked to stop calling. 
I am filing bankruptcy and was advised to stop paying & their pursuits to collect on me have been relentless ever since. 
The bankruptcy hasnt yet been filed due to not being paid in full but it will be in the next 30 days. 
Im just following the advise of my attorney by filing this complaint in hopes of getting the harassment to stop.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I have a debt for a total of {$780.00} being reported on my credit report from a company called XXXX XXXX XXXX, I have called them and sent them documents to remove it and all attempts have been unsuccessful. They told me the debt is from XXXX XXXX XXXX a visa credit card open in XXXX XXXX where Ive never been. Called XXXX XXXX XX/XX/XXXX, XXXX  I. Had a company called credit repair fixing my credit and they also were unsuccessful. XX/XX/XXXXI called again and still cant get it removed.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with capital one for not removing my capital one account as late when the account is closed and is past the statue of limitations but XXXX has also reported the capital one auto finance account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed capital one auto finance and XXXX XXXX with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
Consumer complaint received 2018-03-14
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. (NY)

equifax has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but equifax has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and XXXX XXXX with equifax for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is listing two hard inquires for the same transaction on the same date ; one listed as XXXX XXXX XXXX and one listed as XXXX XXXX/XXXX XXXX. I contacted Experian and Experian refuses to initiate a dispute.
Consumer complaint received 2018-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

My company got into a contract with XXXX for credit card Merchant Processing the provider is a registered ISO/MSP of Citizens Bank. In XX/XX/XXXX I got my monthly charge for the transactions done for the month of XX/XX/XXXX. I noticed my charges where significantly higher than usual and more than what my contract states they should be. I called the XXXX. I finally go hold of someone and I asked why there was such a huge percentage discrepancy in fee charge. He told me that there was a XXXX dollar annual fee. I told him I was never told this plus it wasn't in my contract. He told me they only charge this once a year. This the second year in a row that this happens and I have to contact your Bureau to correct this. This doesn't follow the contract nor what I was told in the emails by the sales person. They are breaking the contract deal. This is unethical! I not only want this bogus annual charge of XXXX to be reversed but I would like a full audit of my account done from the time it was open. I believe they are not following the terms of the contract. I have the contract in PDF in three pieces so I could upload it.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I received a notification in the mail that the interest on my account was going to increase. I did not want to accept the new interest rate and wanted to speak with a customer service representative to pay off my credit card and have my account closed, however when I went to the back of the card to dial the number provided for Customer Service, the number is no longer available, and it gives the customer directions to look at their statements to get that phone number. Well turns out that the customer service phone number in my account statement is the same on my card XXXX, and I have not been able to speak with a customer service representative.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

Repeatedly getting phone calls from number XXXX with no VM. Looked it up it is another company who collects for XXXX. Have confirmed Via XXXX financial with a complaint thru this website that NO DEBT IS OWED. AND WITH XXXX. XXXX has told me there are multiple accounts with similar names/DOB 's to me living in California. I need them to stop bothering me please. XXXX is the phone number. Per XXXX company is XXXX XXXX XXXX
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (TX)

I settle my bill with XXXX back in XX/XX/XXXX Later I was hit with a collection bill from a company from XXXX XXXX with a Final -bill for {$790.00} I called XXXX to compliant of this bill and was transferred several times to different department with everyone cluesless. I final call the number for XXXX listed on the Final letter XXXX & the number was a non working number. So I disputed with XXXX   and XXXX and they removed the discrepancy. If you call that number for XXXX XXXX XXXX is now says XXXX. I check my credit report a few months later XX/XX/XXXX and found out that XXXX had another collection agency Name now XXXX XXXX and this time they put the collection amount for {$1600.00} I have always paid my bill from XXXX and that is very disloyal of them to keep make up this statement after the fact with 2 different collection agency and 2 collection amounts XXXX   removed the AFNI From my XXXX   on XX/XX/XXXX and the rep told me they ask AFNI To remove from AFNI/XXXX -AFNI/XXXX Just place back on XXXX as of XX/XX/XXXX Please help me with this company! Attached is supporting documents Thanks XXXX XXXX
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

I was a past client of Experian. Due to a data breech it was recommended that I restart my credit monitoring for at least one year. So in XX/XX/XXXX, I signed up for one year and was told it was a complimtery subscription. I noticed today that my credit card was charged for {$99.00} for XX/XX/XXXX membership for which I was not aware I had approved. I called customer service and was on hold for 2 hours and 38 minutes. When they finally picked up, they cheerfully agreed to refund my money and cancel my membership. However, why should one have to wait 2 and 1/2 hours to speak with a representative. They may be monitoring my information but if Im unable to speak with them easily enough, what help is it. Their web site did not give any other way to contact customer service except by phone or letter. The long wait encourages one to give up and thus keeping a client from cancelling their service.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (MN)

XX/XX/XXXX : I signed up for CLEARCONNECT CHECKING account under terms of {$200.00} new account bonus. Offer expired on XX/XX/XXXX. 

XX/XX/XXXX : I signed up again for CLEARCONNECT CHECKING account under the same offer after BBVA informed me via email that " We Messed Up! '' opening the prior application. BBVA confirmed back via email that my second application was processing. 

XX/XX/XXXX : BBVA sends me welcome email to my new account. 

XX/XX/XXXX : I met the final term of the offer by having my employer direct deposit my paycheck with a requisite amount within the 60 day stated time period to qualify for the offer. The other terms were met like new customer, one per household, account type, and opened online. 

XX/XX/XXXX : The offer terms state {$200.00} should have been deposited by this day which was 60 days after XX/XX/XXXX. The promised bonus deposit was not made. 

XX/XX/XXXX : I sent an online secure message asking about the missing {$200.00} bonus. 

XX/XX/XXXX : After not hearing anything from the secure message, I called customer service. After being told I do not qualify due to my state of residence and due to opening the account online despite the terms and conditions saying otherwise, a gentleman ( manager escalation ) opened a ticket to resolve the issue 'within 5 business days '. 

~XX/XX/XXXX : 'Mark ' replied to my online message saying another ticket was opened regarding the matter and that should be resolved in 24-48 hours. This reply is backdated within BBVA 's messaging system to XX/XX/XXXX. 

XX/XX/XXXX : After BBVA failed to meet both deadlines from my two open tickets, I called back customer service. The representative states I did not qualify for the offer because BBVA did not open my account until XX/XX/XXXX. I stated there was no possible way for anybody to sign up under the offer if BBVA took 2 weeks to open the applications and they used the date BBVA opened the account rather than the customer. This representative further tells me she can not assist because the group that handles this type of issue is closed for the day and I would need to call back. She claimed to be opening a ticket but no ticket number was provided. 

XX/XX/XXXX : I submitted this complaint to CFPB.
Consumer complaint received 2018-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.