davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

In XXXX, I had a vehicle repossessed due to a late payment. They just came and took the vehicle so I thought that the matter was closed. Now, XXXX years after the fact, this 'collection agency ' continues to call at all times of day, all days of the week. I 've blocked their number and all they do is use another number. They 've used at least XXXX different numbers and my block list is now filled. I 've even gone so far as to have my number changed and had it unlisted and unregistered. Despite this, they somehow were able to get my new number. The statute of limitations has long past and I 've told them directly that I have no intention of paying them a dime. Checking their record on 'reverse yellow pages ', apparently mine is not an isolated case. Their practice extends to XXXX of people in nearly every State. Please SHUT THEM DOWN. Thank you.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (MO)

On XXXX XXXX 2015 I applied for a VA loan. all of my information checked out and was approved pending a payoff amount and a vom of mortgage payments to Setarus Inc.by constant delays and incomplete reports by Setarus { who by the way does not report positive credit to the bureauso it can not be pulled by the bank I applied with } Today is XXXX XXXX. and after request after request I still can not take advantage of my VA benefit because of them intentionally dragging there feet supplying info everyone else reports to the cerdit bureaus.These people should be made an example of and put out of buisness by in effect denying a veteran to take advantage of the benefits My country awarded me.AllI have stated above can be documented by mo loan officer..
Consumer complaint received 2015-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

I have told this company several times that this debt was paid 12-14yrs ago. We believe the debt was paid to a company that sold it off before they noted the payment. We never heard from either the original creditor or this company since XXXX. In XXXX they started to call. 

Convergence Outsourcing XXXX in XXXX.
Consumer complaint received 2015-11-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Integrity Solution Services, Inc. (FL)

Integrity Solution Services and XXXX XXXX XXXX are BOTH reporting a medical collection account for {$610.00}. This double reported has severely impacted my credit. They both need to be removed from all XXXX credit reporting companies. I have sent letters to the above companies without results. PLEASE HELP
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

Deposits were made to my checking account that did not have money to back the deposits up. I was not aware of this I withdrew the money. Now TD Bank is holding me to repay them back. XX/XX/XXXX the my Social Security check was deposited to the checking account the next day the bank had taken the money .I would like this money back can I get it back?
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I WAS TRYING TO BUY A NEW CAR AND THE CAR DEALER TOLD ME MY CREDIT SCORE was too low to get the best deal. It ended up costing me at least {$3800.00} more dollars! I HAVE ALWAYS HAD A HIGH CREDIT SCORE. XXXX AND XXXX HAVE RUNIED MY SCORE. THEY ARE OWNED BY THE SAME CO. THEY DO NOT ACT LIKE OTHER COMPANIES THAT YOU HAVE BEEN WITH FOR YEARS.THEY DELIBERTLY TRY TO UNDERMINE YOU. I AM XXXX YRS OLD AND HAVE SPENT XXXX XXXX YEARS BATTLING A CONDO I BOUGHT THAT DID NOT HAVE A WORKING XXXX. I HAVE NOT BEEN N MY HOME FOR OVER XXXX MO THIS TIME. THEY CALLED TOSAY I HAD NOT PAID A BILL. I SHOWED I DID AND WANTED TO PUT IT IN DISPUTE FOR I WAS LATE TO A MEETING AT MY HOME. THEY DID NOT. THEN THEY DID NOT SEND A BILL I REQUESTED ANOTHER ONE AND PAID ON MY COMPUTER SAYING IT WAS ONTIME. THEY MARKED IT THE NEXT DAY AND MADE ME LATE- SO XXXX 30 DAYS LATE THE OTHER 60 DAYS LATE. I WOULD NEVER USE THEIR CARDS EVER AGAIN BUT EVERYONE TELLS ME INCLUDING THE CAR COMPANY THEY DO THIOS TO EVERYONE. THEY NEED TO BE STOPPED. IF YOU LOOK AT MY SCORES WITH ALL THE OTHER COMPANIES THEY ARE ALL PAID IN FULL EVERYTIME. WHY WOULD I NOT PAY THEM? PLEASE GET THEM STOPPED. AND THEY ENDED UP OWING ME MONEY
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (WI)

All of this started back in XXXX 2012 because my husband had surgery. We fell behind and we had requested to have our mortgage put into a locked in rate and in the HAMP program. They had us keep sending papers and nothing was ever done. Somewhere in the process our mortgage was sold from XXXX XXXX XXXX to SLS. Somewhere they had claimed we had a modification done. This was n't true, we had a mediation with the court and they were unable to provide us with this. They are trying to add {$100000.00} to our mortgage and want us to sign this for a house that is valued at {$120000.00}. This equals to $ XXXX.This is totally unfair and to me actual robbery in my opinion. How can they ask to add that kind of money to the loan. All we ever wanted was a lower rate. We wanted the rate to be lowered from 10 % to an affordable rate. Then we tried to hired an attorney because they served us papers and that scared us. So we do n't have her anymore. She was clearly taking advantage of us and all we ever wanted was to have the mortgage payment to were we can afford it. They are in the process of foreclosure and all we ever asked was for help.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.
Consumer complaint received 2015-06-15
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Ballato Law Firm, P.C. (VA)

I received a notice from Ballato Law Firm advising me that my debt was in collections and will be prosecuted if not paid. I immediately called and made payment arrangements. I spoke with XXXX who advised me that because I made arrangements I would not have anything to worry about and would not need to go to court. Te arrangement was for $XXXX a month however I was making $XXXX payments a month. I advised XXXX that I was making a month payment in advance and she said she would document that. I had made payments without lapse since the arrangement was made. The end of XX/XX/XXXX I received a notice advising me they had filed a judgement against me for non payment and that I should make payment for the remainder immediately. I have been calling them incessantly to have them remedy this to no avail. They have been very dismissive and make excuses for why they ruined my credit. They refuse to discuss the matter although arrangements were already made. They had no reason to file judgement against me.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got pick pocket out of the United States and lost all of my cards and military IDs, I called every company to let them know of the incident most of the companies have refunded funds that was taking from me. Now my issue is with capital one, they gave me credit for the missing funds and then this lady called me and to, d me that I have to take responsibility as well and they reversed the funds which now put my account in a big negative balance that is completely unfair from them and I 've been a long time customer with no issues ever and now they 're blaming me for being robbed how can a company do that.
Consumer complaint received 2015-03-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (CO)

I opened checking and money market accounts at BBVA Compass bank with online access in XX/XX/XXXX. I logged on to the accounts for several months ; however, in XX/XX/XXXX BBVA 's web page asked that I agree to a XXXX page " Electronic Communications Agreement '' and a XXXX page PDF, dated XX/XX/XXXX, " Agreement and Disclosure Statement for Online Banking '' to be allowed to access my accounts on line. The XXXX paragraph stated, " YOUR ATTENTION IS DRAWN TO THE ARBITRATION AND WAIVER OF JURY TRIAL PROVISIONS IN SECTION 8.F. IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL. " My complaint is that requiring consumers to agree to a complex statement which applies to both commercial and consumer accounts is an unreasonable and inappropriate business practice. I am not an attorney and the extent that banking is controlled and hassome public value, how can I judge whether a relationship governed by 103 pages of bank legalese relative to the complex process of accessing, protecting and moving funds, is fair to me as well as to BBVA. 
I have told BBVA 's local branch employees of my objections. I am managing my accounts directly with the local branch, and I have fair online banking agreements with credit unions, and XXXX XXXX ; yet to whatever extent CFPB can prod BBVA and the banking industry to be more open and fair will be a service to everyone. Thanks CFPB
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CT)

Equifax - XXXX submitted my-Name-address, current and previous-date of birth-ss # Equifax than presented me with XXXX multiple choice, " verification '' questions, none of which had anything to do with me. 
Clicking the " submit '' button routed me to an error message, saying I had to XXXX snail XXXX mail them copies of my IDs if I wanted my ( once yearly XXXX credit report. 
When I pay for my credit report, I only need a name and a ss #.
Consumer complaint received 2015-06-11
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

XXXX XXXX XXXX sent me to collections ( Rash Curtis & Associates ). This was a pre bankruptcy petition debt. Rash Curtis & Associates reported this debt unpaid in XX/XX/XXXX. This is a post bankruptcy petition collection action and a violation of my bankruptcy discharge ( XX/XX/XXXX ). I explained this to XXXX XXXX XXXX on at least XXXX occasions and requested that they remove the collection from my credit report/s. They did not. I recently disputed this with XXXX and it appears that they agreed with my explanation and have removed the collection from my credit report. I am concerned that I may have been turned down for employment because of the collections reference on my credit report. I would also like to request to be informed if any information in my file has been used against me.
Consumer complaint received 2015-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

We received the Hamp modificatoin with Citimortgage but Citi never report the Hamp to the XXXX and I try hard to get this process done, so I can apply for the XXXX for my second loan which is XXXX XXXX, they have us in Default. Nevertheless XXXX transfer my loan to Seterus and they are not putting the XXXX mod. in the XXXX. This problem is going on for over 1 year and nothing is being done.
Consumer complaint received 2015-10-20
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TX)

On XXXX XXXX 2015 I reported my Rushcard lost/stolen. I was sent out a replacement card on XXXX 2015. I called back on XXXX XXXX 2015 to expedite the shipping of the replacement, the representative charged XXXX for expedited shipping and XXXX for the replacement. I received the expedited card on XXXX XXXX, 2015. This was the day that Rushcard notified me that they were processing upgrades to the system that would be between XXXX pst-XXXX pst. Until til this day XXXX XXXX, 2015 it has not been resolved. I have n't been able to contact customer service to resolve my first and second issue. I was able to view my transactions online on XXXX XXXX, 2015 my money was debited out of my account by XXXX XXXX transfer from the card I originally reported stolen. I did not authorize these transactions at all. The card was suppose to be blocked and inactive. I am without my payroll monies and facing eviction and utility disconnection. I contacted XXXX XXXX via XXXX and he asked any of the affected customers to direct message their personal information. ( i.e home phone number, address, and name ) I did so on XXXX XXXX. He stated someone would be in contact with me but no one has contacted me. Its been 18 days of hardship for me. Please help!
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MO)

On or around XX/XX/year> XXXX was removed from my account without any explanation. I filed a fraud complaint and received no response after several months I had to contact Navy Federal credit union and was told the complaint had been denied. They could not tell me why I was not contacted. I filed an appeal and again had no response finally I contacted them and was told my appeal was denied. I demanded all information about the matter and received the attached document.
Consumer complaint received 2015-08-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I found this an entry on my consumer credit report from ARS. I have no idea what this debt is and attempts to have it verifified have been unsuccessful. In addition the debt reports with a balance of {$670.00} and a start date of XX/XX/XXXX on XXXX and XXXX, but reports from the same company with a balance of {$6500.00} on XXXX and a start date of XX/XX/XXXX. In addition it is listed twice on XXXX. This is unfair and illegal credit reporting. This company has failed to provide any verification of debt
Consumer complaint received 2024-10-26
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 (CA)

I have been a victim of identity theft. There was an account created on XX/XX/year> without my consent or knowledge. Went to capital one website to try and login. When trying to login to capital one online account I was found with an unknown phone number ending in XXXX when tasked to perform 2 step verification. I skipped and entered my phone number ending in XXXX. I inquired to the company to close the account made on XX/XX/year>. The company closed the account. I insisted that the online account be closed as well. The company rep. that I contacted through chat on the companys website insisted that the online account associated with the credit card account would be disabled in 2 years of no activity on account. I recently discovered a new account that was created on XX/XX/year> unbeknownst to me, who had regularly been checking my XXXX credit report on a daily basis.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (WA)

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX
Consumer complaint received 2015-10-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I missed a mortgage payment for XXXX 2015. Once I realized this on XXXX XXXX 2015 I sent both XX/XX/XXXX and XX/XX/XXXX mortgage payments using my XXXX account. 

US Bank has reported that I was 60 days late on my mortgage and not 30 days late as was the case. I have called several times, disputed the item with the credit bureaus, had my attorney send them letters requesting correction, had a credit repair firm dispute the item several times, and finally I have written a letter to their dispute department requesting this item to be removed. As of yet US Bank has not corrected this erroneously reported information.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit was repaired, I have a fraud alert and now myscore will not appear. It states I have no credit when in 2013reported a XXXX credit score. unable to get a clear answerfrom the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

After a divorce, I was granted Innocent Spouse status from the IRS, and was separated from my ex-husband 's many tax liens. I saw liens back on my credit report ( my name is still on my ex 's house ), and I disputed XXXX times, providing documents showing my release from those liens from XXXX XXXX, the State of Ohio, and the IRS. Equifax apparently does n't accept proof from all taxing agencies that I am released from those liens, because after XXXX disputes, I keep getting the same response - " we have determined that these liens are yours ''. These liens are negatively affecting my credit score, and the other credit bureaus have not had a problem correcting this error. I need help getting this corrected.