davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA Opened XXXX. XXXX, 2016 has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tower Loan of Mississippi, Inc. (MS)

Hey, I realize that things happen n a person life but it was uncalled for when I was told I should have not gotten the loan if I could not pay for it, n I humble said that none of us new that we would be going through such of things. I felt disrespected and disappointed as if I was being classified.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I am writing to SYNCB/SYNCHRONY MAST ( Opened XXXX XXXX, 2017 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/SYNCHRONY MAST agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-01-26
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: ALLY FINANCIAL INC. (SC)

I bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted XXXX  XXXX XXXX XXXX and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me
Consumer complaint received 2021-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

I am reaching out to file a complaint with the bank and card issuer Synchrony Bank. The bank is repeatedly and intentionally failing to report correct information to the 3 credit bureaus, resulting in financial detriment. 

This stems from the period of XX/XX/XXXX to XX/XX/XXXX in which Synchrony Bank confirmed fraudulent charges were reported on the account. The charges were subsequently removed from my account as I did not authorize or recognize those charges. 

Beginning in XX/XX/XXXX, after more than 1 calendar year after the fraud charges were initiated, I received a collection notice from a third party. I have since called the bank no less than 6 times to confirm that the account is not responsible for these charges. In each call, we were able to confirm that the fraud charges were not my responsibility and that the bank and card issuer would reach out to the 3 credit reporting bureaus to confirm. 

Each time, the bank has failed. As a direct result, a third-party collections agency XXXX XXXX XXXX XXXX has begun the sending out collection letters. I am reaching out to file a complaint and to seek assistance in formally asking the bank to rectify their inaccurate information to the 3 credit bureaus. Thank you.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

My problem is with flagstar bank. I have conventional loan and i had PMI. I have paid off 23 % of my original mortgage and they haven't dropped my PMI. When i called them they told me that i have to pay XXXX $ for an appraisal, i feel like they are stealing money from the people.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

I have been asking castle credit via email on how I can start the process of being removed from the contract. They will not respond to emails or my phone calls. This was a joint account in which I should not be held responsible for. The other party has agreed to remove me. I want to know what are the steps for removal. I feel like castle credit will not disclose or go through from removing me.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (FL)

Arvest Central Mortgage company put me in foreclosure during a period of unemployment due to the XXXX XXXX dissolving of the partnership. I was in a forbearance at the time that ended with payments starting after XXXX. When i called to start the process they told me that I couldn't pay and they would not let me and I asked on XX/XX/XXXX for a six month repayment. I was verbally approved. I asked to do a one year instead of the six month and was told to submit the paperwork which I did immediately. On XXXX XXXX, XXXX they filed a forclosure action. I spoke with the attorney and told they that a hardship was in process prior to the action being filed but they did it anyway. Many other events happened where they approved me then denied then approved then denied and utlimately approved for a repayment plan with a monthly payment of {$3800.00} instead of the {$1600.00}. This should have been resolved prior for lesser payments and without the excessive charges by the attorney and i was charged double fees. Once on the payment plan and they on the closing documents and Arvest central mortgage refuses to refund the excessive fees and charges. Then reported me to the credit agencies in XX/XX/XXXX as in foreclosure on an account that was paid in full on XX/XX/XXXX. No one will help me or even answer my questions. The attorney charged me for a hearing that was moot due to resolution which she didn't even know about and I had to tell her and send her the repayment plan because she didn't even know about it. Arvest Central Mortgage made many many mistakes and refuses to acknowledge or fix the situation. They knew or should of known of their wrongdoing but hey do not care and they lie about your account with them and with what they tell you.. it is always different. Plus they said they would do anything to help yet they didn't. This also caused me not to be able to get a car because they ruined my credit score with false reporting.
Consumer complaint received 2021-01-26
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. (ID)

There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NY)

In 2020 I closed my XXXX account. And moved my number, I paid my last bill. I started receiving calls that I owed a bill and it was sent to a collection agency call South West. XXXX gave me an address XXXX XXXX XXXX XXXX TX XXXX. I sent an email asking to get the bill, I sent a letter to South West Credit asking them to validate the debt, I never heard back from them. 

I ran my credit report on Friday, I saw XXXX bill was still on my account. I called South West Credit to dispute the bill and make a settlement. I found out that they had my wrong address and the wrong amount. 

I offered to pay half the bill to get the debt deleted from my account. They told me that I was suppose to write to them at the XXXX XXXX XXXX XXXX XXXX Texas XXXX. That address was not a contact on my credit report. 

They offered to take half the money as a settlement but not remove it from my account. 

I never got a chance to dispute the bill or they never validated the debt. When speaking to them today they said they can validate the debts now.This is after a year, they agreed my address was incorrect. They were very rude and also acted as bullies
Consumer complaint received 2015-04-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I HAD FORECLOSURE COMPLETED ON XXXX/XXXX/2009 FROM XXXX XXXX. IN ADDITION I HAD A XXXX MORTGAGE THAT WAS INITIATED AT TIME OF PURCHASE WITH CITIBANK FOR {$20000.00}. THE XXXX MORTGAGE IS STILL ON MY CREDIT REPORT AND BEING REPORTED AS A NEGATIVE ACCOUNT AND BALANCE DUE OF {$19000.00}. I WOULD LIKE THIS ACCOUNT TO REFLECT A {$0.00} BALANCE AS IT IS RELATED TO MY FORECLOSURE. THANK YOU
Consumer complaint received 2021-01-25
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.
Consumer complaint received 2021-01-25
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-08-30
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-26
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: Santander Consumer USA Holdings Inc. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired onXX/XX/2020, SANTANDER CONSUMER USA Inquiry :XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Student Aid (USA) Funds (TX)

I have sent letters via certified mail to XXXX and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( XXXX ) Additionally, both companies are double reporting on my Credit Report!!!
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. They must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-01-26
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. (AZ)

I've not only disputed a debt that is not mine with TransUnion but have also had the bank that they claim " reported '' the data has been working with me to prove the data is not mine. Today I receive a letter from TransUnion saying they verified the information was mine but according to the bank XXXX XXXX  XXXX XXXX XXXX, TransUnion never requested information regarding any account under my name or social security number. Thus TransUnion continues to report wrong information on my credit. 

I've filed dispute in the past where they had wrong information on my credit ( never had the issue with XXXX  and XXXX  XXXX. When I called today the lady I spoke with not only was rude but also informed me that " It's not possible for wrong information to be reported on your credit. '' After I explained that it was and still is impossible to obtain a home loan at the age of XXXX she said " It's your account, it doesn't matter if you opened the account or not. '' TransUnion refuses to accept facts in this case and furthermore the lady had also informed me that a dispute is " Not to be used to verify accuracy of information '' I want this on file with the CFPB before I start filing suit as TransUnion will NOT accept any evidence, in the past I've sent certified copies of my IDs, Social Security Card and Birth Certificate, today the lady called me a liar and said I had to prove who I am again. 

TransUnion doesn't take matters like mine seriously, again they are the only credit agency reporting the wrong information and they refuse to fix it.
Consumer complaint received 2021-01-25
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. (KY)

A fraudulent inquiry is reporting via Equifax XXXX XX/XX/2020 by XXXX  / XXXX ). The inquiry is the result of identity theft. Disputes, including a law enforcement report, have been sent to Equifax on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020, XX/XX/2020 and XX/XX/2020. As a credit report ordered on my behalf today, the fraudulent inquiry continues to report.
Consumer complaint received 2021-01-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I previously disputed a derogatory item I found on my credit report with equifax and sent them an affidavit denying that the debt is mine and and when they said they verified it, I sent another affidavit. Requesting proof of the verification methods in which they used to verify this debt as accurate. I sent the affidavit asking for verification of the methods they used on XXXX XXXX and they have still not responded. Which is a violation of the FCRA. As it has been more than 30 days since they received my dispute letter and have not responded nor have they corrected the issue.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I have escrow account with Flagstar mortgage and they are responsible for my home insurance and property tax, at least that is what they have been doing since i purchased this home in XXXX. Yesterday XX/XX/XXXX, i received a property tax bill that my first installment was overdue, so I called flagstar the following day. They said they have made a payment of {$4300.00} on XX/XX/XXXX which was late and i was assessed penalty of {$390.00}. I asked flagstar to be responsible for this late fee but they refused, stating that " someone '' requested a pay-off on my loan, hence they put a hold on my account. This is very ridiculous since anyone can request for pay-off amount, at anytime, as many times as they want. Im in a process of shopping around for my refinance. I have never once been late on my mortgage, never requested any forbearance even in this difficult time. Both my husband and I are XXXX  and we do not have time to play game with them. I am a XXXX, working long hours dealing with rising number of covid patients day in and out and im beyonf exhausted. Seeing this bill was my last straw. When I was on the phone with the representative of flagstar, case id # XXXX, I asked to be transferred to whomever that can resolve this issue but was told that the department do not take calls or make a phone call. I have a feeling this company and their way of doing business is not transparency. Of note, flagstar was also late on making payment on my home insurance, in which i was notified by my insurance broker and have covered the payment. Flagstar never once notified my by letter or email that they put my account on hold? I mean if that was the case my monthly mortgage should be on hold too then? I am fortunate that i can afford my mortgage but I do feel the need to let the authority know about this matter because many Americans are facing financial hardship and this could be the unnecessary stress on them.
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (FL)

In XX/XX/2019 disputed the account with Experian to investigate the account being opened as not mine after speaking with XXXX XXXX stating the account was not mine. XXXX  responded Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

The information in which was reported did not reflect my bank - phone - etc. The account was opened XXXX/XXXX/2019. I justified that I had an outstanding Identity Theft Report that created and this account reflected around the same time during ID Theft activity. 

Original Creditor is now pursuing small claims in civil court with no justifiable evidence. Please investigate
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

During this pandemic crisis, Congress passed many provisions halting payments on loans as well as interest rates. Wells Fargo, N.A. the crooked bank is back at it again with their ambiguous methods. They have been reporting delinquencies on myself and the co -signer 's credit ; including not taking payments posted via Debit card in a timely manner. Regardless of paying my student loan on time before the next consecutive 3mos. forbearance, this bank aims to strangle customers who can't pay rent or buy food enough as it is.
Consumer complaint received 2021-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL INC (WA)

I have made several attempts to repay student loan to a debt collector ( Coast professional Inc ) with the cares act repayment option. Coast professional is not working with me to make payments and keeps holding up my paperwork with issues in review. When I speak to customer service they say its in review. And I never hear back, and when I call back its still in review, or their is a new problem with paperwork. I cant successfully make a payment on my debt.