davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
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: Experian Information Solutions Inc. (FL)

On  XXXX   XXXX ,  2017 I f iled a complaint against your company to remove FALSELY reported accounts from my credit report.     On  XXXX   XXXX ,  2017 I filed  a follow up complaint because you too more than 30 days to perform a validation and provide a method of verification. You have failed to do so in the interim and are in violation of the settlement reach by the lawsuit filed against your company by the Attorney General.     I demand that the below files be removed from my credit report immediately.    1.  Chapter  XXXX  Bankruptcy  2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX   XXXX   XXXX   5.    XXXX    XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX .     I have attached the settlement.
Consumer complaint received 2015-08-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MD)

There was an auto loan where the payments got behind after the loss of income, and the finance company Ally ( XXXX XXXX ) was to close the account refelecting the bankruptcy. However, they are still trying to collect illegally from me by reporting an active and open account with the creddit bureau. Everytime I disputed this issue they came back and stated the account is open and has a balance, but will not report the facts that it was chaged off and closed. In addition, they reported to the federal courts that they would be removing the accont from its portfolio and pipeline where the informationwould not harm me from restablishing my credit. I currently, have XXXX auto loans with XXXX and are aid ontie, and because of the fraudulent reporting it reflects that i have XXXX auto loans which is not factual. 
Ally has a group of people such as XXXX, and another person who do not understand request to speak to managers and supervisors i was transferred from XXXX to XXXX where the experience was very horrible and this group is a recovery team when theres nothing to recover. I am seeking relief and support from the company, also restitution for the improper reporting which has prevented the movement of federal clearance. The account is charged off, and vehicle was sold less than the requested reaffirmation agreement that was submitted to Ally by me to have a supporting repayment pan, they paid an attorney XXXX to keep me from paying the restructed affirmation plan as it was requested.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the Federal Bankruptcy XXXX in XXXX, XXXX. XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
Consumer complaint received 2015-08-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

Hereby its a pleasure contact with yours referent to a matter where result be victim with Bank Citi is involved employees occurred with me account bank where I received me deposit direct each month, in addition after multiples complaint by negligence because the bank take me money and refused protect me account from individual, business, entity, merchants or any other, a as consequences after review me account find that the bank allowed that business or merchant take money from me account without me authorization, the bank has been advice of such fraud but allowed that its merchant, business or entity charge to me account transaction that has been return or in dispute some time the merchant was return a product or services due to numerously factors example in days or month after refund to the account the merchant agent or business have charge once time the same amount to me account believes me I never ca n't see what happened with me account but few days find that a merchant have charge to me account a transaction that was dispute with the bank and the merchant at the time of requested a bad services and product that was return and the merchant shall be return such amount to me account but two month after the same merchant requested to the bank the amount one more time caused a balance negative must find that me account have various transaction with the same situation or in some case the merchant not return the credit to me account or have charge for amount that I do n't have sign or authorized and the bank refused verified or invest above the merchant caused sever loss to me account today the bank concluded that a amount where the merchant was return the product and services the bank allowed that its merchant charge to me believes me I have a same incident numerously time in the same account where I have a loss around of {$4000.00} Dollars from me account with a similar incident believes me by resolve requested allowed open a investigation to the bank and merchant and requested back me account the amount loss consequences of negligent of the bank Very Truly Yours
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Why are you ; THE CFPB, giving Equifax XXXX more days to do an investigation that the dispute was sent to them ON XXXX. XXXX!!!!???? DISPUTE CASE # XXXX!! THEY HAVE ALREADY HAD OVER XXXX DAYS. WHAT ARE YOU NOT ENFORCING THE LAW??
Consumer complaint received 2017-06-05
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXCredit Bureaus ( ExperianXXXX ) To whom it may concern : I sent a certify letter back in XX/XX/XXXX requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file. <P/>XXXX XXXX ( Signature Loan ) XXXX Verification of 13 late payment on : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( Auto Loan ) XXXX Verification of 19 late payment on : XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX ( LOC ) XXXX Verification for 7 late  payment on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, Thank you XXXX XXXX
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been trying for over two weeks to combine XXXX Capital One credit cards. I have been given this error message several times : This Feature is Currently UnavailableWe 're sorry, but this feature is currently unavailable. Please try again later. 
If you continue to have difficulties, please call us at XXXX. ( Ref. No. XXXX ). 
I have spoken to no less than XXXX customer service reps and supervisors plus a few techs and they all say my accounts are eligible and there should be no problem combining the XXXX accounts. XXXX accts meet all qualification for acct combination, yet they have n't been combine. This is very frustrating to say the least. I feel like I am being discriminated against. I have several friends who had no problems combining accts.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

This is a new complaint, as an additional issue with Equifax, This is a NEW Issue - as there are IMMEDIATE and PERMANENT Changes they have made that are impacting me in such a harmful manner, and knowingly. 

The manual manipulation of my records has crashed my scores and in one day, from XXXX to XXXX -- - and in a PRODUCTION EQUIFAX Credit Reporting instance. Apparently the changes made against my record to resolve this issue were simply moved into an application, with no quality checks or inspection, Attached is my record in Equifax - Yesterday, and then TODAY when they went in and changed the PAY HISTORY segment of their application to show a CHARGE OFF Status as of XX/XX/XXXX, all while the DATE CLOSED remains unreported. 

This account has been closed for XXXX years. 

Equifax has indicated that there was no response needed to my disputes, manipulated the data residing in their database to such a point of inaccuracy that this record 's corruption is not reversible, or their technical team no doubt would have done it by now. Yet, although they are aware of the issue, and according to the FCRA defining their needed action to delete this account, have instead updated data that has caused my scores to DROP and in ONE day by XXXX points. 



There is an existing dispute with Equifax regarding the state of my account - within their records. I have asserted that the records are not juist corrupt - but at such a innacurate state - that they must be deleted. 

I am attaching of screen shot of what my account looked like on XXXX and then today - XXXX hours later on XXXX. 

1. XXXX is a closed account since XX/XX/XXXX ( on or about XXXX ) 2. XXXX was in a CHARGE OFF STATE at that point, or XXXX. XXXX should have a CHARGE OFF STATE indicator on my records in XXXX. XXXX does NOT have such an indicator, and in FACT now does have a CO state as of XX/XX/XXXX, which is wholly inaccurate as per the XXXX file specifications, that require this date/data to be equal to the actual date this account became in that state5. The account still, has no closed date - appearing as if this is current CO6. This manipulation/change by Equifax/XXXX has NOW caused my score to drop over XXXX pointsThis CRA is now responsible for literally, destroying my credit one day at a time, and with knowledge that - this account under the FCRA, has become so corrupt that they MUST remove it. 



.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company (NC)

I am in the process of purchasing a new house with XXXX XXXX and elected to use their mortgage company, DHI Mortgage as the lender. In starting the application I was given a number of forms to sign electronically, however, when it came to collecting the documentation to substantiate my qualification for the loan, the loan officer told me I could email my information or fax it. 
When I was inquired about a secure upload since I was being asked for bank statements, tax returns, pay stubs, etc I was told to just encrypt the PDF. I would feel more comfortable with a dedicated secure upload. 
For the average consumer it would not occur to them that email is not the most secure way to send the documentation and most are unlikely to think about encrypting or otherwise protecting their information. At this point it has taken significantly extra time to submit the documentation since I know have to locate the documentation, print and then arrange for use of a fax machine which is very costly if I elect to go to a print shop or other commercial provider.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery services collected a debt that substantially more then original debt. Portfolio Recovery then pressed a lawsuit in the XXXX XXXX Court Illinois. To avoid a judgement being placed on my credit report, I paid the " settlement '' stated by Portfolio Recovery Services as the only viable option. They stated that the conversation was recorded for mine and their protection. After i was given that notice, I asked XXXX employees of Portfolio Recorvery Services if the judement was still to take place or if was to appear in court.XXXX employees told me I WILL NOT have a judgement and WILL NOT have to appear in court. After making my first payment. Portfolio Recovery services sent notice with an increased debt amount. I called and was informed that information was incorrect. After completing my second final payment ( the agreed upon settlement ) my debt was to be cleared with a judgment in court being placed. Less then 10 days after my final i was mailed a document from the XXXX XXXX court house that there was a judgement placed against me and will be notified of method of payment, whether it will be wage garnishments. XXXX ... AFTER I WAS TOLD THAT NO OTHER ACTION ON MY PART WAS TO BE NEEDED. Portfolio Recovery will not return my repeated attempts to contact them. Judgements like these will further destroy my already deteriorating credit.
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HOMESTEAD FUNDING CORPORATION (NY)

I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our XXXX mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from XXXX stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted XXXX to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to XXXX within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for XXXX stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from Homestead dated XXXX XXXX, 2015 that stated my mortgage was being transferred to XXXX effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Mark A. Kirkorsky, PC (TX)

XXXX XXXX called me yesterday at work regarding a debt of my husbands from 5 years ago. I asked him not to call me at work and to call my husband. He said he was n't able to get ahold of my husband, so he had no choice but to call me at work. I asked him never to call my work again and he told me this is n't a friendly consumer debt so he can call me whenever and wherever he needed to until this matter was settled. I again asked him not to call my work and he said he would stop calling me when he got ahold of my husband. He called my husband today and asked him for payment, which my husband said he could n't do right now. He then called my work again and said unfortunately things did not go well with my husband, so he has to start calling my work again. I feel threatened and he refuses to stop calling me at work. I can not block the call and he said there are XXXX attorneys in his office and they are n't going to care if I complain on him. He said he will not stop calling me at work because he needs to get this resolved.
Consumer complaint received 2015-09-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Colony Brands, Inc. (DE)

I am receiving double jeopardy on a Midnight Velvet account I had. Midnight Velvet is reporting the balance. They sent it to XXXX and XXXX and THEY are reporting the balance ... it subsequently was sent to XXXX and THEY are reporting the balance. XXXX collection balances reporting on my bureaus for XXXX ACCOUNT. This is a violation of federal law. 

I have disputed this with all XXXX bureaus and they left the balances on my files
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GEORGE MASON MORTGAGE, LLC (VA)

My complaint is with CFPB. Today - I was told by the lender and the title company that I was not allowed to see the closing disclosure because it 's considered confidential on behalf of the buyer. I am the XXXX. I am the extra eyes that make sure all the fees are correctly reflected. Why is it that CFPB is showing disrespect to XXXX who are interested in protecting their buyers? CFPB should have an authorization form for a buyer that ALLOWS XXXX to complete the process and check to make sure everything is as it should be. Minimizing the role of the realtor in the transaction is a huge oversight for a Buyer and any vendors who 's fees may innocently, and inadvertently left off the closing disclosure. How does that get rectified when THAT happens? I am very disappointed in CFPB reducing a XXXX role in the transaction. That is shameful! A Buyer does n't have a clue without the guidance of an experienced XXXX. Shame on CFPB for making settlement that much more difficult despite all your efforts to simplify.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (HI)

I recently transferred my student loans from  XXXX  to  Fedloans, since I qualify for the federal student loan forgiveness program due to my military service. Two m onths went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  statin g Fedloan would contact me about when it was time to submit payment. My credit score th en dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  Fedloan website, I was able to make payment for the two months  missed.
Consumer complaint received 2015-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: U.S. BANCORP (CO)

I had a US Bank Educational Loan, in the amount of {$5000.00} ; of which I consolidated many years ago. I recently became aware of there being a remaining unpaid balance in the amount of {$230.00} that appears on my credit as a Charge Off. I contacted US Bank, attempting to resolve this matter. I explained to XXXX different representatives that this balance remaining was a result of a Consolidation error, and that US Bank never contacted me regarding this, but now that I am aware of this being on my Credit, I want to resolve, and I offered to pay the balance in full. However, I asked for them to remove/delete the negative reporting from my Credit Report, requesting that this no longer appeared as a Charge Off, if I was to pay the balance in full. US Bank Representatives told me that even if I were to pay the full balance, that they would not remove the negative reporting/Charge Off Status. It would just reflect a {$0.00} balance. Considering this was not an error on my part, but as a result of the Consolidation, I did not think this was a fair remedy. They told me to take my complaint to the Company that Consolidated for the error. I politely explained that another company would not be able to remedy the situation on behalf of US Bank, nor remedy my Credit Report. US Bank can easily see in their records that this was a Consolidation and paid off by another Lender, and that was never a balance I intended to ignore or not pay. I am offering to pay the balance in full, but I needed the account status updated to not reflect a Charge Off, and they are not willing to cooperate. In all actuality, this was not a Charge Off, because they are willing to still accept a payment there in their office, not another company. So it should not reflect Charge Off, if they still have the account with them, and are willing to accept a payment. Upon making the payment in full, US Bank should be willing to update as Paid/Closed account. I would like the CFPB to follow up on this matter, and the unfair Credit Reporting practices of US Bank.
Consumer complaint received 2015-04-01
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Data-Central, LLC (CA)

I wrote a letter dated XXXX/XXXX/15 requestiong confirmation that if I were to pay/settle a debt that they would delete it permanently from my credit file. I specifically stated " do not contact me by phone '', yet on XXXX/XXXX/15 my father received a phone call at the phone number listed above, which I assume is the only number they have. I no longer live there. The collector not only violated 3rd party disclosure laws by telling my father what she was calling about, but violated my request for no contact by phone.
Consumer complaint received 2015-10-23
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southern Management Systems Inc. (NY)

I 've called this company at-least two times a week. They will not give me a proof of my bill. There 's never a manager available, They wont even work out a payment plan with me. This student loan is causing a hold on my student account which means I can not transfer to any other schools to further my education.