davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Cosmo Credit Repair (GA)

Hey Im having a problem with Cosmo credit repair. There very unprofessional and rude and wont return my XXXX they took out of my account. On XX/XX/2018 XXXX XXXX contacted me regarding repairing my credit. He stated the consultation was free and he can get remove everything bad on my credit report within 6 months. I sent him some v personal information by email and 2 weeks later some random guy XXXX XXXX calls me XXXX at night asking me to send document to start credit repair. I told him no I didn't know you and im not sending my personal information because XXXX know you have XXXX XXXX call me in the morning. XXXX XXXX calls me and said he d I didn't receive my documents and I asked him how come he d I didn't let me know 2 weeks ago. He said he didnt have them to send them back and I told him no. I dont want to do business with you because you lost my persodnal informatiom. I gave them XXXX to start and after I told him I didn't want to do the program because their unprofessional the next day they took XXXX out my account. I had to cancel my card and order a new one because I dont want them stealing my money out my account. So I talked to XXXX whos the technical guy and XXXX whos suppose to be the manager. XXXX stated she was going to refund my money but then stated she wouldn't and hung up in my face. On there website it said you get your money back if your not satified. Well I wasn't satified and they still took money out my account and didnt do no services!!!!
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CT)

Navy Federal Credit Union ( NFCU ) has had at least two dates in the recent past where direct deposits have not been properly posted, leaving members with little to no funds on dates that should have had a deposit. The dates that I know of are XX/XX/XXXX and XX/XX/XXXX. The credit union fails to issue any type of warning such as an email, message on their website, or banner in their app until many hours after customers have noticed the missed deposits, causing significant stress to members. NFCU 's phones always go down because of the issues, so members are left without funds and unaware of the problem until the credit union issues a notification hours later.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: McKenzie Paul & Associates (WA)

Someone by the name of XXXX from " McKenzie Paul and Associates '' called and woke me up at XXXX PDT looking for my ( adult ) daughter. I live in XXXX ( XXXX ) Washington ( I 've worked for XXXX since 2012 ) ; they are in XXXX Texas. <P/>They did not identify themselves as debt collectors and refused to identify the purpose of the call - only that they were trying to contact someone with by daughter 's first name. They implied, though I 'm not sure they stated that they were a law firm. <P/>They gave a return phone number of XXXX, which appears to be their main number. Caller ID gave XXXX. <P/>I warned him that he woke me and I was on the west coast. After XXXX his company, I 'm more than a little upset that he woke me over a matter than does n't involve me. He 's kind of screwed up my morning schedule. <P/>Besides, calling before XXXX is a violation of the Fair Debt Collection Practices Act and the fact that he did not identify himself as a debt collector prevented me from giving him a proper warning. I 'd appreciate it if the CFPB did that for me.
Consumer complaint received 2017-07-05
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. (MN)

I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  Trans Union ,  XXXX  and   XXXX    credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    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   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Onity Group Inc. (NJ)

My payment for  XXXX     2017 to my mortgage payment to Ocwen Mortgage is missing in my   XXXX   Credit report (  see attachment ) and also my Credit report was last updated  XXXX   XXXX ,  2017  by my credit reporting agency
Consumer complaint received 2017-07-02
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Security National Automotive Acceptance (FL)

snaac is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX 2011 and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and and XX/XX/XXXX they would not listen or try to resolve. I have also been threatened by this company to take all my property in court and they also continued to contact me and family members after I stated not to contact me
Consumer complaint received 2017-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by  XXXX   XXXX . I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it.
Consumer complaint received 2017-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

Repeated calls from various numbers, early and late calls and even on Sundays, calling multiple times in a row, tried to call back the number a few times got no answer, often call with just " Unavailable '' on the ID so we ca n't tell who it is.
Consumer complaint received 2017-07-04
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. (NC)

I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through XXXX, XXXX, and Equifax against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

To whom it may concern, I 'm writing to you with the hopes that you will be able to assist me and my family with an undocumented and improper sale of my home. I have worked tirelessly for the last two years, submitting documentation, fulfilling every request on behalf of Carrington and those requests have gone unanswered. <P/>I have been misdirected, misinformed and flat-out lied to. I 'm well aware of the fact that Carrington has a very dubious and nefarious reputation with homeowners and I have been subjected to this same. <P/>Below, is a timeline of all of my efforts to resolve the Foreclosure matter amicably, with Carrington. At this moment I am post-sale - the sale occurred on XX/XX/XXXX, but I 'm hoping that you will be able to convince them to vacate the sale and come back to the table and negotiate with us. <P/>I 'm in a financial position now where we can meet our obligations with them. My contact information is included in this complaint, but my cell phone number is - XXXX. <P/><P/>Thank you! in advance for your assistance with this XX/XX/XXXX- Starting having marriage problems XX/XX/XXXX - Became unemployed XX/XX/XXXX - RMA package sent XX/XX/XXXX - Letter received from Carrington requesting benefit award letter, lease agreement, RMA form, and expences. Proof of occupancy and food stamp/welfare award letter. I spoke with them on the phone and they said all forms were good because of no leasee or receiving food stamps XX/XX/XXXX - sent revised RMA package XX/XX/XXXX - Carrington canceled the RMA via phone XX/XX/XXXX - became employed still kept phone contact with Carrington XX/XX/XXXX - Paid 3 months of mortgage payments XX/XX/XXXX - laid off from job because of slow work XX/XX/XXXX - RMA started, again XX/XX/XXXX - received letter from Carrington needing most recent bank statements, rma handsigned and dated form, and P & L statement for 3 months XX/XX/XXXX - Sent P & L,XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX bank statement, and handsigned form XX/XX/XXXX - letter from Carrington needing VA benefits and P & L ( letter of explantion ) XX/XX/XXXX - sent payroll from XX/XX/XXXX-XX/XX/XXXX, VA award letter, letter of explation, XXXX tax form XX/XX/XXXX - letter from Carrington. Notification that they did not receive all documents needed to complete review/ cancelled modification request. However, they did get all documents requested. They also canceled. the RMA without my knowledge saying my VA award letter was outdated XX/XX/XXXX - received debt collection letter from Carrington XX/XX/XXXX - recieved fair debt collection letter from XXXX and XXXX XX/XX/XXXX - certified Letter in mailbox dated XX/XX/XXXX from XXXX and XXXX stating the property is scheduled for sale on XX/XX/XXXX at XXXX XXXX XX/XX/XXXX - letter from XXXX XXXX XXXX XXXX - Notice of demand for possession
Consumer complaint received 2017-07-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TX)

For the past 2 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$400.00}.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX, I went on to the XXXX and ordered all three credit reports from XXXX, Trans Union, and XXXX. <P/>I only received one from Trans Union, which was dated as XX/XX/XXXX, and file number : XXXX, which contains all the same information with different collectors name on it. This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this Trans Union slandering my reputation with non-existing accounts they created. Trans Union is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by Trans Union for each alleged creditor {$1000.00} which is XXXX times XXXX equal to XXXX by XX/XX/XXXX, and Trans Union is agreeing to pay me {$500000.00} by XX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX. <P/>Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan. <P/>For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX before XX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX. <P/>For the XXXX, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report by XX/XX/XXXX, if not, XXXX is agreeing to pay me {$50000.00} dollar by the end of XX/XX/XXXX.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union apparently is having issues posting ANY deposits. 
I have direct deposit, my paycheck has not been posted to my account. It was due to post at XXXX. 
Instead of the company talking to customers, they disabled the phones and the online banking. 
UNACCEPTABLE!!!!!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2017-07-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (IA)

I entered into an online payday loan agreement with tribal lender XXXX XXXX XXXX XXXX in XXXX. I was never able to access or sent loan documents after signing. After realizing this lender is not authorized to lend in my state ( IOWA ), because they do not have a physical presence here ( and because of the extreme interest rates ) ; I closed the checking account associated with the loan, sent a notice of account revocation to this lender and informed them that according to the laws of Iowa, I was under no obligation to pay this back, as they knew they were lending to me illegally and were not authorized my state. They attempted to collect for a short time, emailed me to say they would be adding a {$250.00} fee to the next auto debit ( on a {$700.00} loan ). I continued to receive email from a " XXXX '' at a XXXXXXXXXXXX address attempting to collect. I replied back that I would like proof they are authorized to lend in the state of Iowa ( and legally allowed to collect on the debt ) -- to which they provided me none. <P/>I have not heard from this particular lender XXXX XXXX XXXX XXXX since XXXX when they initially were attempting to collect ; though now it appears they 've hired an outside collection agency ( Allied Collection Services - XXXX XXXX, NV ) in attempt to get funds, because they know they legally can not collect on them. I have n't had any communication with this Allied Collection Services ( no debt validations - nothing by mail, no voice messages identifying ) until I noticed a collection flag on my credit report -- and called to dispute it -- - ( they hung up on me once I mentioned the debt was invalid to collect on, that I would not be paying, and would be reporting it ). They refuse to remove the flag on my credit report ( which I 've also disputed with XXXX who has also failed to remove the flag ). <P/>Additionally, I 'm certain they have shared my private information with outside agencies in effort to harass and bully me into payment. My private information is being used to apply for loans online, and I 'm receiving recent email notifications about applying/being approved for loans with other lenders when I have n't applied for any online payday loan since XXXX. <P/>I filed a complaint with my state 's Attorney General 's office, and was advised by their investigators to file a complaint here, as well. <P/>Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX http : //www.acsnv.com/ # XXXX XXXX XXXX ( Tribal Lender ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX
Consumer complaint received 2017-07-04
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. (ND)

I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX
Consumer complaint received 2017-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (WY)

Sold my house on XX/XX/XXXX without following legal procedures : did not notify me of sale date or pending foreclosure by certified mail, and did not publish the sale 4 consecutive weeks before sale. Sent me letters that took an unexplained and unacceptable amount of days even for the US Postal Service. One took 14  days and the other took 10 days.
Consumer complaint received 2017-07-02
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. (IN)

My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-    XXXX    and  XXXX  Additionally  ; my  report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was Experian. However, Experian still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,   XXXX   and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!
Consumer complaint received 2017-11-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

On XXXX XXXX, 2017 my home was impacted by Hurricane XXXX and the days following the hurricane I had a loss of income because of no work and I had spent a substantial amount of money preparing for the hurricane. I had exhausted all my money because of the hurricane and just needed some time to recover financially from the disaster. 

The week after the hurricane I contacted my mortgage servicer to receive a temporary mortgage forbearance. I made calls to my mortgage servicer continuously and my request was denied because according to their record I had an open bankruptcy case, which is not accurate because I had already received a discharge several months prior to the hurricane. 

I had my lawyer contact my mortgage servicer to speak with the servicers legal counsel and after several repeated attempts in contacting the mortgage servicer my lawyer was not successful in reaching the correct person or department, every call was routed then re-routed back and forth and nothing was done ... 

Then I personally continued to contact my servicer and my request were denied. The owner/investor of the subject mortgage is XXXX XXXX. I contacted XXXX XXXX and according to XXXX I was supposed to receive the forbearance. 

I have exhausted all my options in trying and do not know how to proceed. My home was in FEMA 's presidentially declared disaster area, specifically XXXX and my mortgage servicer has not cooperated with any type of assistance. I am in fear of the increased fees for non-payment and being foreclosed on.