davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I made a XXXX dollar payment on XX/XX/2020 and a XXXX dollar payment on XX/XX/2020 to my Capital One Credit Card to allow for more spending on my limit for a planned trip. The Payments was made from a Capital One Checking Account and was withdrawn on the same day as the added documents will show. I called the customer service number and even spoke to the supervisor and they said it does not matter if they have received the funds or not there is a 8 day hold on my payment. So they took the money from my Checking Account that same day and credit my Credit Card account with the same funds and they have an 8 day hold to make sure the withdraw is cleared? I pointed out it was already cleared according to the Capital One online account dashboard and transaction listing. He said he can not over ride it. So where is my money? What are they doing with my funds if I can not have access to the funds? Where is the interest on my checking account for those eight days if they are holding my funds. Capital One is unlike any other bank I have worked with where they put a hold on funds they have already received and deny the customer access to those funds even thou their own system shows it has cleared. I have a {$500.00} dollar credit limit or supposed to. As noted in the provided documents you will see I have a balance on my card of {$270.00} and yet my limit is still XXXX dollars that shows indeed they received the payments.
Consumer complaint received 2020-09-12
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: Citizens Savings & Loan Corporation, Chattanooga, TN Branch (TN)

in XX/XX/2020 I noticed that my credit report showed 2 missed payments on my credit report from XXXX, XX/XX/2020. I filed a dispute with XXXX and XXXX in XXXX. I received a letter about a month later saying that the information was accurate. At that time I filed another dispute. I have never missed any payments or paid late. In XXXX I also reached out to CITIZENS SAVINGS AND LOAN XXXX TN and requested them fix the problem. They claimed they never reported that error on my credit. In XXXX, I received another letter from the credit company saying my dispute was closed and reported as accurate. So in XXXX, I filed a complaint with the XXXX XXXX ( XXXX ) I received a letter back from the corporate office saying that that had force placed insurance on my account because they did not receive proof of insurance but that once they received proof of insurance they credit back my account and that was where the problem occured. She said this issue had been corrected and a correction form was sent the creditors. So I went in and looked and indeed it was corrected. But 2 weeks later, by XX/XX/XXXX, It was now showing 3 months missed payments! So I contacted the corporate office directly and she denied any wrong doing and said she would resubmit the correction. A week later, by the second week in XXXX. My credit was fixed again. UNTIL FIRST WEEK OF XXXX. NOW IT IS BACK ON THERE AGAIN!! 3 MISSED PAYMENTS. No one is doing anything to fix this. It has been detrimental to our credit and prevented us from buying a house or ANYTHING! I have been fighting this for four months!
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

Loancare LLC is charging me for " hazard insurance '' products that I did not request, approve, or was notified of. I have sufficient comprehensive insurance through my insurance company. In the past 2 months, they have taken {$900.00} out of my checking account, without my consent. I filed this with the XXXX as well, but was told it'll take 30 days for the business to review, and I can't afford to lose almost a thousand dollars while they take their time reviewing. I'm not made of money, and will end up having to sell my house if they keep this up! They've already settled this issue with others years ago, and are back to their bad practices. 

This is also posted under XXXX CASE # : XXXX
Consumer complaint received 2021-11-24
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. (NV)

This debt was disputed and removed due to not being the person on this account. It has shown back on my credit in error. The information is inaccurate and has been disputed and removed before. This account does not belong to me, and I did not give this company any right to collect a debt from me. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-09-12
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. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-12
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. (GA)

I put my loan into Forbearance under the CARES Act and payment XXXX, XXXX, XXXX and XXXX were deferred. I applied for and was granted a stand alone partial claim from HUD. The account was brought current in XXXX and I made my first mortgage payment again XXXX. XXXX XXXX reported my loans as 90 days past due to all credit reporting agencies, dropping my credit by ~140 points. I have called three times and I have sent 3 emails to get this corrected. Ive received no correspondence.
Consumer complaint received 2020-09-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Back in XXXX, i had all of my information stollen from car. On XXXX, I needed to get a mortgage, but i was denied due to the fact that there was an account on my credit report that was in derogatory status. 

To my surprise, I purchase my 3 credit bureau and i noticed there was an account that i never authorized. I tried disputing this account several times by sending them my police report ( about 7yrs ago ). And had asked several times to send me proof - they never sent me proof. XXXX have been trying to dispute this account since - without any result!! 

This year, again, I tried to get a mortgage. this account is affecting my eligibility. 

I spoke to a manager, the manager asked me, once again, to send proof of my identity theft report or a police report ; ( 5 ) copies of my signature ; copy of diver 's license and social security. I sent them all the information needed along with a dispute letter stating to send me information explaining their findings and actions ( that was was on XX/XX/XXXX ) It literally took then half a day to conclude their investigation. They sent me a voicemail without my phone ringing telling me that they did not have enough information regarding this account.
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

Recently my credit report was pulled and I was told that I have a collection report form Sequium ( collecting for XXXX XXXX ) I have been a client and still am a client of XXXX   and XXXX XXXX since 2015, so I didnt understand why they were reporting me as a collection. 

So today I first called Sequium. A lady by the name of XXXX answered. I told her that I wanted to find out why I am being reported in collections with XXXX XXXX as I am not behind on anything. She asked for my name, telephone number and zipcode. She then asked for reference number. I did give her my name, telephone number and zipcode but I didnt have a reference number as I had never received anything in the mail from them. I did ask if she could look up my account with my social security number and she said she couldnt. She said she wasnt able to locate my account and she wasnt able to explain why they are reporting me as a collection I then called XXXX XXXX and spoke to a lady named XXXX ID XXXX. She is in the billing dept and said then there is no balanced owed and no lates showing in the system, and couldnt tell me why I am being reported as a collection on my credit report. 

Please help me get this removed as this is clearly a mistake. I spend 3 hours today but got nowhere. Thanks for your help! I am attached a pic of that section of my credit report so you can see how they are reporting it.
Consumer complaint received 2019-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

Approximately on XX/XX/XXXX, I bought my relative XXXX XXXX home located at XXXX XXXX XXXX, XXXX, Ohio XXXX from her son XXXX XXXX. Ms.XXXX XXXX passed away on XX/XX/XXXX. I did a title search and there was no lien stating Ocwen/PHH Mortgage. XX/XX/XXXX Owen Mortgage filed a foreclosure against me in XXXX County Court. After two months of legal litigation, I agreed in good faith to be successor of XXXX XXXX Estate and pay all past due balances of {$7900.00} and monthly payments of {$370.00} until the loan ( # XXXX ) balance is paid off. I paid ( wired ) the past due balance of {$7900.00} from my XXXX XXXX  account. After paying all past due balance, Ocwen/PHH Mortgage made me successor of the account. I made all of my obligated payments to Ocwen/PHH per our agreement. I also made an extra payment to help pay the interest down. The last telephone payment I made to Ocwen/PHH Mortgage, they withdrew from my checking account in XX/XX/XXXX in the which the Ocwen/PHH Mortgage Representative stated I can pay with XXXX and gave me the XXXX information in which the conversation was recorded for quality efficiency. XXXX, XXXX, and XXXX of XXXX I made my payments through XXXX. I just made XX/XX/XXXX Ocwen/PHH Mortgage payment from my XXXX XXXX   BillPay checking account.. For the past three months Ocwen/PHH Mortgage refuses to give me any information on this account ( # XXXX ). Ocwen/PHH Mortgage Representative stated to me that the last payment I made was XXXX of XXXX and I need to pay them {$2000.00} to discuss this account ( # XXXX ). Ocwen/PHH Mortgage refuses to acknowledge me as a Successor as I once was before. Ocwen /PHH Mortgage requested certain documents to add me again as a successor in which i did in a quick timely matter. Ocwen/PHH Mortgage still is being non compliant. I requested through email several times to get a payoff of the property located at XXXX XXXX XXXX, XXXX Ohio XXXX so I can move on from Ocwen/PHH Mortgage! Ocwen/PHH Mortgage predatory practices represents two consumer violations ; ( 1 ) Breach of Contract and ( 2 ) I reside in the home at XXXX XXXX XXXX XXXX, Ohio XXXX with my XXXX year old daughter.I am enclosing all receipts and paperwork to support my claim...
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (GA)

I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION (FL)

15 u.s.c 1681s-2, the statue of limitations has been extended because a charge off was reported month after month on this account. 

My credit file states that I been having charge off reported on the same account since XX/XX/year>.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I am actively pursing the Public Service Loan Forgiveness program and have made 64 qualifying payments. Any missed or delinquent payments would result in my disqualification from the Loan Forgiveness Program. I noticed last year that I was listed as not making a payment for XX/XX/2014. My loan payments are set to automatically withdrawn from my checking account every month and when I inquired about why no payment was deducted from my account in 2014, I was told that due to payment amount changes, and the timing of a generation of a new bill, an installment was not withdrawn that month. I requested this information in writing. I was provided a general letter, but it was unfortunately removed from my paperless inbox by myfedloan.com. When reviewing a different issue with your company, I noted that my loan payment history states A payment was not received on the XX/XX/2014. I am respectfully requesting your assistance in correcting this issue. Please help me to ensure that that my XX/XX/2014 payment is listed as no payment due or no bill generated, or something which does not levy blame on me as the borrower. Again, direct withdrawal was, and remains active on my account. Also, please provide me with documentation from Fed Loan which explains this situation for my files. 


Thank you
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.
Consumer complaint received 2020-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (ID)

XX/XX/2020 I received my first phone call and " notification '' from Bonneville Collections out of XXXX Utah, XXXX  XXXX, Idaho and XXXX, Idaho. when I returned their message. I spoke with a, what sounded like a " XXXX XXXX '' although he didn't clearly state his name. When I spoke with him regarding the debt. I explained I had received no information notifying me that Bonneville Collections had this account. He rudely told me they sent a notice in XXXX. To which i said I had not and requested a new one. He refused. I explained to him I live in an apartment complex, this is common and it is my legal right to have a letter telling me the proper information. He still refused and hung up on me. I am aware of the debt owed to the original debtor, however I was not notified of Bonneville Collections taking over the debt. I simply was exercising my rights as a consumer and debtor by requesting information. I have dealt with Bonneville Collections in the past. They are ruthless and do not follow proper debt collections protocol. Also, infringe upon the consumer rights. Their business practice lack ethical and professional tactics.
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (OR)

I have received numerous phone calls from Transworld Systems debt collection agency. They call from XXXX and then tell me to call their line at XXXX. I work for a XXXX XXXX XXXX. We do not owe anyone anything and all purchases made by us go through a purchase order system. This is a scam company. Each time I call them back they say they have no record of my debt, I tell them to remove my phone number. Shut them down! 

XXXX XXXX XXXX
Consumer complaint received 2020-01-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

in XX/XX/2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with XX/XX/XXXXtwice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.
Consumer complaint received 2020-01-03
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: AMERICAN EXPRESS COMPANY (LA)

On XX/XX/XXXX I was made aware of the XXXX  credit breach so i went on their site and found out my personal information was exposed during the breach. I then ordered my credit report and discovered there are accounts on my credit that I did not authorize. Please research the Amercian Express card that was opened in XX/XX/XXXX, and the XXXX  XXXX  that was opened in XX/XX/XXXX, and the XXXX XXXX XXXX account that was opened on XX/XX/XXXX.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Please remove the following personal information from my credit report : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Employment : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Lastly removed all telephone numbers from my report.
Consumer complaint received 2020-09-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc. (NC)

EMAIL : XXXX MAIL : Healthcare Receivables Group, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX PHONE:XXXX ( toll-free ) or XXXX ( local ) HRG never ever reported ANY of the payments I made on my collection account which opened up well over 12 months! 
In addition, HRG illegally refreshed and reported the remaining balance of approx {$160.00} to my credit report on XX/XX/XXXX, which I paid off on XX/XX/XXXX ( approx {$170.00} ). The original account balance which opened up on my credit report approx 15 months ago, was unchanged from the {$1000.00}, which gave the deceitful appearance I never paid down my account monthly. 

You are in violation of illegal, inaccurate and willful neglect to accurately reflect the payments I made on this collection account over more than 12 months since the account opened, and you intentionally and in violation of Unfair, deceptive and abusive acts or practices ( UDAAP ) under the CFPB deceptively and unfairly refreshed and re-reported the debt on XX/XX/XXXX after having never reporting monthly updates to payments made on my account. This deceptive and willful unfair act caused harm and reduced my credit score over 58 points via XXXX. 

HRG needs to remove this inaccurate reporting on XX/XX/XXXX given these factors above. 
I am also going to start a complaint with the CFPB for your violation of FDCPA and UDAAP.