davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2.  XXXX XXXX XXXX. 
3. XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7.  XXXX XXXX XXXX
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

In XX/XX/2017, I noticed that multiple cards were opened with my information under XXXX   bank and used up to the limits. I contacted XXXX and the credit bureaus to inform them of fraud but both refused to research the claims and proceeded to place these cards on my credit file. As a result, my credit has been damaged. I have requested proof that I signed paperwork permitting a credit card with this company and have been provided none.
Consumer complaint received 2024-11-05
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. (TX)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2018-07-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Social Finance, Inc. (CA)

When my student loan payment was set up, I had a different employer, and my monthly payment was set, based on how much money I made with that employer. Now, I no longer work at that company, and I make significantly less money, because I'm working for myself, starting a new business. My loan payment is so high, it is more than I pay for my mortgage, and I'm struggling to make my monthly payments. I physically don't have the money to pay such a high amount every month. I've contacted my student loan company, Sofi, several times ( most recently on XX/XX/18 ) to explain that I need to lower my monthly payment to an amount that reflects my new income, but they tell me there's nothing I can do. My account is now delinquent as a result. To make matters worse, they raise my interest rate every month, making this physically impossible to ever day off in my lifetime. I've already paid back the amount I borrowed and then some, ( over the last 13 years ) but still owe the same amount I started with. I'm just looking to simply lower my monthly payment to a reasonable amount that I can keep up with. Please help.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Dear CFPB, I reside in a area that was directly affected by Hurricane Harvey and was declared to be in a Presidentially Declared Disater Area. It is my understanding that during the Moratorium initiated by an Executive Order from the President from on/or about XX/XX/XXXX to XX/XX/XXXX ; loan servicers ( CMS ) were not supposed to be reporting mortgagors as being late on their loans during that time period ... see below : XXXX " The servicer must suspend the reporting of loan delinquencies to the credit bureaus ... ... ..for borrowers that are impacted by the disaster '' XXXX As of XX/XX/XXXX I checked my credit report with both XXXX  and XXXX  and Carrington has submitted/reported deliquincies to them every month since XX/XX/XXXX until present. As I understand it, this should HAVE NOT occurred. 

I would PLEASE like this corrected as it is very damaging to my credit and causes derogatory information ON my report that is very harmful and possibly causing undue financial hardship as well. 

At the very least, if CMS was going to report derogatory information incorrectly, in spite of legal mandate, it should have been reported/coded it with a notation indicating I was in a FEMA Declared Disaster Area, which was not done. 

All I am asking is that CMS does what was supposed to be done under the law and FCRA be done and I will be satisfied. 

Very truly yours, XXXX XXXX
Consumer complaint received 2018-03-29
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)

XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002 till present. 
As a Mortgage Broker I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance.

They have defamed my character with false reports.

Credit card companies will not approve me.
Consumer complaint received 2018-03-29
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. (WI)

I signed up for XXXX XXXX XXXX in XX/XX/XXXX. I tried it for just under one month and decided it was too expensive. I canceled the service before they billed and received confirmation of my cancellation. They billed my XXXX  account XXXX anyway. I disputed the charge and they refunded. Now, in XX/XX/XXXX, theyve done it again for the 2nd time.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was charged a monthly fee without my knowledge, for a service that I thought was free. I signed up for TransUnion after being directed there from XXXX, and I saw no disclosed charges. When I purchase a service I expect to be told up front about any cost that will be occurring, especially a regular monthly charge. After speaking with a representative, my service was cancelled and my {$19.00} charge for XX/XX/XXXX will be refunded. However, I want to be refunded the charges from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXas well, totalling {$59.00}. The customer service rep admitted that they could tell I hadn't used the service often, if at all. I was sneakily and dishonestly charged for a service I wasn't even using, and as such a total of XXXX was stolen from me. My name is XXXX XXXX and my phone number is XXXX. I spoke to a rep today, XX/XX/2018 around XXXX. I did not request from the rep to refund the additional months, as I did not know they existed until after I hung up and went back through my credit history. Therefore, this rep should not be blamed for not providing good service. After reading other reviews of similar things happening to other people with no satisfying results, I contacted TransUnion through some online messaging system, and immediately came to file a complaint due to my extreme dissatisfaction and digust.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMO Bank, N.A. (WI)

I purchased a new vehicle and secured a loan through BMO Harris Bank. I was making payments to them, however when I was overseas on XXXX I found out that my loan had been sold to XXXX XXXX XXXX. I only found out that my loan had been sold while trying to make a payment on a sat phone in XX/XX/2016 in the middle of XXXX. I never received a disclosure from BMO Harris or XXXX XXXX. A customer service representative gave me a phone number to call and, thankfully, I was able to make a payment without a late payment, however I was BEHIND by one month. No one tried to call me, email me, or contact me via mail before or after the effective date of transfer, which I still don't even know. 

XXXX XXXX XXXX seems like a scam company also. Terrible reviews from people who have had their auto loan sold by different banks. They have 100 % negative reviews on the XXXX website. As far as I can tell they have no website either, probably so people miss payments and they can charge late fees. Trying to find contact information for XXXX XXXX XXXX took hours. This is how not to run a business.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I got a phone call saying I owed over {$400.00} in debt for back tolls which I do not owe and I do have XXXX XXXX It was a local call supposedly as same area code as mine. 
I couldnt understand what company she supposedly represented as I was disgusted and ended the call after saying not me. I then called back and got the name of the company. After some questions the explanation I got was there were so many with my name its likely not me. Their number is .... 
XXXX XXXX XXXX
Consumer complaint received 2018-07-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rubin & Rothman, LLC (NY)

Communication, dated XX/XX/XXXX, was sent to my employer, regarding a debt from 2010. There were several inappropriate and/or illegal statements in their communication. 
1. They state very clearly that they are attempting to collect a debt and go on to list the amount owed and the date of entry. ( FDCPA [ 15 USC 1692c ] 805 ( b ). 
2. The list of questions that they demanded answers to went well beyond what is allowed and included, but not limited to the following : a ) NAME OF MY BANK AND ACCOUNT NUMBER, b ) NAME AND ADDRESS OF CREDIT UNIONS AFFILIATED WITH MY EMPLOYER, c ) LIST OF ANY CURRENT ATTACHMENTS AGAINST MY SALARY, TOTAL NUMBER OF ATTACHMENTS, NAME AND ADDRESS OF EACH CREDITOR AND BALANCE DUE ON EACH ATTACHMENT. 
d ) IF I BELONG TO A UNION, NAME & ADDRESS OF UNIOIN AND MY CURRENT ID NUMBER. 
e ) SSN, job title and department f ) gross earnings 3. The debt is beyond the statute of limitations. 
4. I have never received any written communication from them or an accounting of what they claim I owe.
Consumer complaint received 2018-07-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (NY)

OLS is involved in unfair and deceptive consumer practices with regards to our loan servicing. OLS provides us with false or misleading information regarding the amount due on the original term of the loan. Refuses to provide us with the accurate amount in arrears. OLS botched up our loan modification by providing misleading, incomplete information in an attempt to collect more than what it is required to collect. OLS refuses to reinstate our loan even after we informed them that we were willing to pay the total sum in arrears, approximately {$10.00}, XXXX dollars, as per the original note and mortage after a referee had determined, in a previous law suit that a specific amount is now due and owing and a down payment in the amount of XXXX, XXXX dollars was paid to reduce that determined amount with a remaining balance of about {$10.00}, XXXX dollars.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Several times disputing this item with your company still not removed, please remove the following XXXX XXXX XXXX - No debt owed XXXX XXXX XXXX XXXX - No verification obtainable and the company sent your agency a notice to remove see attached
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services (MD)

In a recent review of my credit report, XX/XX/XXXX I noticed the addition of a company called XXXX XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, curtly stated to me : 'We purchased the debt from Lendmark Financial in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that Lendmark provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.
Consumer complaint received 2018-02-13
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. (NC)

In mid-XX/XX/XXXX we discovered we had a number of delinquencies on our XXXX XXXX XXXX XXXX account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XX/XX/XXXX, we found that our XXXX account had late payments showing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. XXXX XXXX disagreed with our dispute of these entries. We then spoke directly to XXXX XXXX in late XX/XX/XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX, MT. We received a response from XXXX in early XX/XX/XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. XXXX completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XX/XX/2018 To Whom it may Concern, Regarding XXXX credit card from Capital One. 

In a recent inquiry about XXXX credit card account we were informed that his account had been closed out because it has been inactive for over three years and there was no balance. The account had over 80,000 valid airmiles that is worth a cash value of around {$400.00} dollars. 

We reached out to Capital One regarding this issue over a year ago. We asked that a replacement credit card be mailed so XXXX could use the account thus keeping it active. We never received the replacement credit card but did receive a statement with a XXXX  balance. Shouldnt this action alone create an active status? 

I was informed that we should have received email and mail about the account going inactive. To the best of my recollection we didnt receive any. 

Im reporting this issue because I think this is an unethical practice that benefits the credit card companies. They have basically stolen money from us that we saved and earned over years of purchases on the credit card account in the form of " airmiles '' If they insist on closing the account shouldnt they have at least paid out to us the point value in cash. What happened to the never expires airmiles promise! 

I would appreciate any help regarding this matter and would like the public to be informed as well. 


Regards, XXXX XXXX
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In mid-XX/XX/XXXX we discovered we had a number of delinquencies on our XXXX XXXX XXXX XXXX account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XX/XX/XXXX, we found that our XXXX account had late payments showing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. XXXX XXXX disagreed with our dispute of these entries. We then spoke directly to XXXX XXXX in late XX/XX/XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX, MT. We received a response from XXXX in early XX/XX/XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. XXXX completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I contacted this company many times explaining an ex husband used this account without authorization for a couple of years until discovered by myself in XXXX. He was making payments up until this point and it had happened with several accounts which were closed and charged offed. I asked them to correctly verify this account and provide detailed information. Over the past two years they just keep sending the same two pieces of paper XXXX stating dispute has been resolved and the other that has been verified. Verified with what. I have rave information from XXXX XXXX because they charged it off on my credit file in XXXX but could not find where I reported account stolen so they sold this account to a credit broker XXXX. According to the credit bureaus the last payment made on the account was XX/XX/XXXX so it has exceeded the statue of limitations for credit card debt in Kentucky that a collector can legally sue or collect so I ask that this collection company remove themselves from my file please. I have never verbally spoken to them since they have never accurately verified this debt
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I have a credit card with US Bank that is due on the XX/XX/XXXX of each month and never missed a payment or made any payments over 30 days late. On Sunday ( XX/XX/2018 ) I was involved on a major auto accident that took a lot of my time during the week, and yesterday ( XX/XX/2018 ) I made my US Bank payment. Today I received a notification of a {$27.00} late fee and tried to contact a supervisor at US Bank to reverse that late fee, considering that I was not late when I made my payment yesterday. I was first transferred to XXXX, and then XXXX ( same voice, but stated to be two different supervisors ) and then to XXXX, who also said he is a supervisor. All three refused to work with me and reverse the late of on my online payment. I have a screenshot of my payment that proves my payment being made on time.
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have an account with Bank of America in which I've discovered daily discrepancies with the purchases from XXXX starting back on XX/XX/XXXX possibly earlier. When I discovered the bogus transactions I contacted Bank of America in XX/XX/XXXX to put a claim in ... they in turn sent me documents with transactions that conflicted with the actual statements as far as the amounts and dates, and the dates in the documents aren't consecutive which makes viewing this data quite confusing! They wanted me to sign this document which I could be accused of committing a crime. And since the information is incorrect they wouldn't have to investigate the charges but instead hold me responsible for them! Financially and Criminally! 
On Saturday XX/XX/XXXX I contacted Bank of America to let them know of the inconsistencies in this claim ... On XX/XX/XXXX I was sent an email by Bank of America to this claim with the same inconsistent documents. 
I don't appreciate being put in a situation to engage in criminal activity by Bank of America. 
Also when I look at the transactions from XXXX in my online statement these dates have been conveniently removed ( XX/XX/XXXX to XX/XX/XXXX )