davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EZCORP, INC. (OK)

I received a call from a law firm called XXXX and XXXX phone number XXXX in reference to XXXX on XX/XX/2018 stating that EZ Corp payday loan company is seeking repayment in the amount of {$3900.00} claiming the debt is still incurring interest daily. EZ Corp was sued for this very thing a couple of years ago and given the order to cease all collection attempts as they broke the law. Now I have not dealt with this company in over 8 years so why they have a collection firm contacting me is ridiculous.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I had a business credit card with American Express. On XXXX XXXX I paid {$12000.00} to pay off the balance. After that the credit card company decided to close my account. In following two months I received the statements with XXXX balance. I was not able to use the card as it was already closed. 
Surprisingly for me I received the statement for XXXX ( for the XXXX month after closing ) in which it is shows that the adjustment was been made and the payment for {$12000.00} was been returned. First off all I did not authorize the American Express to reverse my payment and second how did they act without notifying me first. 
I am attaching the last 3 months statements.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I submitted information online with Bank of America when I lost my job to see what they could do for my mortgage. They asked for documents from me including my wife 's paystubs and copies of the benefit info for unemployment and food stamps that we are receiving. I submitted this all to them. A month went by with no contact from them and then suddenly I got a letter telling me they needed more info and I was being thrown out of their modification process. After the initial document request I had zero contact from them. 

Now they ; re asking for the exact same documents again to start over that I already submitted once.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX  Account Number : XXXX I am writing to request a detailed description of the verification method followed by your agency to verify this account as it doesn't belong to me. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681l, credit reporting agencies must provide a detailed description used to verify reporting within XXXX  days. Please Delete this account completely from my profile ASAP. XXXX has already acknowledged the error and has updated my credit report with their bureau. I'm requesting that your bureau do the same thing and update my credit report.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc. (CA)

I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 Credit Technologies. Never heard of this company!!
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX/XXXX for {$1500.00}. The unverified account from XXXX/XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

The companys response addressed all of my issues No ADDITIONAL COMMENTS The response in question explains their position from its viewpoint. Which is a moot point of view? My request was a GOODWILL adjustment. That said, on information and belief GOODWILL is defined as : a kindly feeling of approval and support : benevolent interest or concern. As stated ; I Did speak with a XXXX XXXX XXXX on XX/XX/2018. During our conversation he was very combative as if my request did not concern him in any way. I do understand as he is not in my position. Sure USAA rendered their XXXXondolences for the loss of my Wife which would be very devastating to anyone with any GOODWILL within their spirit. As stated in my initial complaint ; 1 payment was missed. Account was immediately placed back on point as reflected in their report to each credit bureau ( 30 days ) minimum. Account was paid in full promptly. On information and belief, Fairness is defined as ; marked by impartiality and honesty : free from self-interest, prejudice, or favoritism a very fair person to do business with, That was not the case reflected during my conversation with XXXX XXXX. In closing, I would like to reiterate on the fact of the aforementioned company has/is acting in an UNREASONABLE manner in this instance as their/his actions are beyond the limits of acceptability or fairness. Thank you in advance for your prompt and professional handling of this matter. Respectfully,
Consumer complaint received 2018-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (FL)

I applied for an income-driven repayment plan for my 3 accounts that are serviced by Great Lakes. There was only one application involved, and I was advised by telephone that based upon my reported income, my total payment was going to be reduced from about {$990.00} to about {$700.00}. However, when I provided my proof of income by fax, I was given a new monthly payment of {$4400.00} ( which is about 50 % of my monthly take home pay ) and put on an accelerated repayment plan to have my loans paid off within 7 years. This was exactly the opposite of the plan in which I applied for, which was made abundantly clear both within my IDR repayment plan application, and the proof of income that I provided to Great Lakes. This situation happens almost every single year when I re-apply for my IDR plan.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (DE)

I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing. I opp out of all matters
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I checked my credit report recently and noticed that there are negative marks on my report such as late payments, which I really don't recognize because I have always been up to date with all my payments and in my history there have always been on time payments, all payments have been made on time, so it seems unfair to me that these marks are affecting my credit in a negative way The negative marks are these Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-09-22
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. (IL)

In XX/XX/2017 i have talked to a account representative at XXXX XXXXXXXX XXXX   over the phone before making payment in full for my credit card account, account number XXXX and had made an agreement to pay account only if account was deleted. I've made the payment in full and XXXX XXXXXXXX XXXX have failed to remove the negative item from my 3 credit report with XXXX, XXXX   and transunion. I've contacted and disputed them about this situation. multiple times with no solution. my report shows that my account has payment after charge off in which is double enrichment and is unlawful according to the fair credit act since they have already charged it off
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have had a Capital One XXXX XXXX credit card since XX/XX/XXXX. I have never been late or missed a payment. XXXX XXXX  score is in the XXXX range. I own my home outright and have no debt. I am retired and am XXXX years old. In XX/XX/XXXX, I charged a total of {$7600.00} to this XXXX card and paid the full balance due each month. On XX/XX/XXXX, Capital One wrote me a letter ( which I received on XX/XX/XXXX ) stating that my credit limit had been changed from {$25000.00} to {$10000.00} because " my account was not used enough for the assigned credit limit ''. As stated previously, I charged a total of {$7600.00} to this card in XX/XX/XXXX. I have a subscription to XXXX  and was informed yesterday that my XXXX score had been decreased from XXXX to XXXX due specifically to the credit limit downgrade by Capital One. I asked the XXXX   rep what credit limit I should have in order to support a yearly purchase usage of {$7600.00}. She told me that my usage should not exceed 20 to 30 % of my credit limit. Their preferred value is 20 %. Using this info, my previous limit of {$25000.00} was the minimum I should have ( {$38000.00} is preferred ) I have given Capital One no legitimate reason for the credit limit downgrade and I can only assume that I am being punished because of AGE DISCRIMINATION by Capital One. They have NO LEGAL BASIS for this credit limit downgrade! PLEASE help me get this INJUSTICE reversed and send them a clear message that AGE DISCRIMINATION is against the law and will not be tolerated!
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/2018  XXXX XXXX (CHASE customer service person on the phone help line)  advises my interest rate is increasing 150% - and although I tried to "opt out" of the increase, I was advised that the period to opt out has expired.  I received NO prior notice of an increase and CHASE said I couldn't opt out.In retaliation - I have cancelled my CHASE FREEDOM credit card and expect to pay off the card as oer the original terms of our agreement - despite CHASE advising they are increasing my interest rate 150%.
Consumer complaint received 2018-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (OK)

On XX/XX/XXXX we contacted Arvest regarding options for home loan modification or options as we qualify according to our lender. When I called Arvest to get information they said We do not let anyone speak to the people that handle this. Terrible policy especially when you are needing to know your options. 
They then tell us to fill out paperwork for hardship assistance but it isnt available and must be mailed. 
We call back 3 weeks later as it was never mailed. We have informed delivery from the post office and can prove it was never mailed. I spent another 30 minutes and they said they would mail it. It never arrived. Instead they sent us a small loan application. Then we call again and request the application. No letter. This time we get a letter to remove authorization of a user. Still no application. Finally, today we get more mail from Arvest but not the hardship letter. So 3 letters from Arvest have arrived in the time 0 letters regarding our hardship. Closing in on 6 weeks they have delayed our options costing us now 1 mortgage payment and another as the process will be delayed. 
We qualify for hardship assistance from our lender but Arvest the services refuses to do their duties. Theyve failed to do their due diligence acting as servicer, delayed paperwork critical to our mortgage, have policy that is anti-consumer by refusing to let you speak to someone regarding options and are misrepresenting facts regarding the mailing of the documents.
Consumer complaint received 2018-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
Consumer complaint received 2018-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

( 1 ) What happened? 

On XX/XX/XXXX and XX/XX/XXXX, I received the depute results Rpt. # XXXX, regarding my Bankruptcy # XXXX. I disputed it as inaccurately reporting. The address on file with the Bankruptcy Court filed XX/XX/XXXX, address is different from the current address I am living. 

The FCRA 609, states that it is a crime not to adhere to their Federal Law 's regarding the slightest inaccuracy in a consumers credit report. The information Reporting with my XXXX Credit Reporting Agency is not the same as the XXXX Bankruptcy Court files. The Bankruptcy Courts do not under any circumstances comunicate with Credit Reporting Agencies or any other 3rd Party Agency. The Credit Bureaus have inaccurate information they do not have complete information, and the FCRA 609 requires the complete information from Bankruptcy Court to be placed in a consumers file, in order for the file to be completely accurate.
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Del Toro Loan Servicing, Inc (FL)

My wife and I sold a condo in XXXX of this year. We accepted a down payment from the buyer and agreed to let the buyer make interest-only monthly payments of {$3400.00} for a few months until he paid off the remaining principal of {$910000.00}. 
At our realtor 's suggestion, we enlisted Del Toro Loan Servicing Inc to collect the buyer 's payments and deposit them to our bank account, all loan expenses to be paid by the buyer. 
The buyer paid off the loan on XX/XX/XXXX along with his final interest payment. 
We expected that payment to be {$910000.00} plus {$3400.00} equals {$920000.00}. 
Instead, the deposit to our account was for {$920000.00}. 
When I asked Del Toro why the payment was {$110.00} shy, I was told it was because the buyer was one day early with his payment.

My agreement was with Del Toro, not the buyer. I really don't care about the timing of the buyer 's payment to Del Toro.
Consumer complaint received 2018-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

How it started ... .. 
I have questions regarding my mortgage ( non escrowed ) account. Ditech established an escrow account by paying a school tax early XX/XX/XXXX - {$570.00}. I have always paid those taxes at the same time every year and never had an escrow during the duration of this loan. After the Escrow was added, I was told I could remove the Escrow by paying the balance of the Escrow ( plus tax and fees ) and drafting a letter stating the request to remove the Escrow. The Escrow payment was made, then I received a letter stating I had an Escrow Surplus and Ditech returned money via a check. I have had over 12 different account managers during the process of attempting to remove the Escrow, and received numerous denials citing " payments have been 30 days late '' or " Funds have been advanced on your behalf ... '' after being assured that the last money pay off the Escrow could be Reallocated and removing the Escrow would not be a problem. I have appealed the denials several times.

My Problem ... I need an Audit of my account.

I believe my payments are being applied to a different account. After GreenTree changed to Ditech my payments have been shown as delinquent by the Ditech computer system. Even though I submit an electronic payment and it is received and posted to my bank account Ditech sends a delinquent letter.

Ditech will not allow me to remove the Escrow. I have never been late in the last year. I was granted a Forbearance due to Hurricane Harvey, and continued to make timely payments to my mortgage. Ditech also added other fees which I paid in full so that I could remove the Escrow.

I need a dedicated Ditech Account manager for the duration of the loan and I need to pay off the mortgage asap because Ditech has been the worse and most stressful experience of my life.
Consumer complaint received 2018-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXXXXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX:XXXX Transunion XXXX XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : XXXX.
Consumer complaint received 2018-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trident Asset Management, L.L.C. (WI)

I had a bancruptcy discharged XX/XX/18. I am now receiving collection letters and call from Trident Asset Management listing owner of debt as XXXX XXXX XXXX for {$370.00}, a debt that was discharged. XXXX XXXX XXXX sole this debt AFTER the discharge to XXXX. ( Sold XX/XX/XXXX ) I would like them to cease the harassment and remove any negative information they have reported.
Consumer complaint received 2018-02-08
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. (MO)

I have send several letters and several complaints my next letter will be to my state attorney generals office and then court. Equifax is reporting outdated information on my credit report in which i have even called and asked for them to remove and they still have refused in which these things are damaging my credit score. This is very stressful for me as it has made me denied for many things which is unacceptable. I know there are several people with the name XXXX XXXX in my area over 1,000 and i demand that Equifax comply. i have not send a dispute i am demanding for a compliance check and asked if they cant perform that i have then asked for permanent removal of the following : 1.XXXX  XXXX 2XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6.XXXX XXXX 7. XXXX XXXX