davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
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: FC HoldCo LLC (NC)

This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.
Consumer complaint received 2017-11-08
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. (CO)

I have been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Global Lending Services LLC (TX)

There have been accounts opened under my identity that I did not allow nor request. I am unaware of any of these accounts with Global Lending Service on XX/XX/2021 with XXXX. I have been a victim of identity theft. The FTC is already beginning an investigation.
Consumer complaint received 2016-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I filed a CPFB complaint previously ( XXXX ) regarding my mortgage with Ditech. Despite their intention in their response to this complaint to correct their errors of accounting for our timely payments, Ditech has continued to misapply our funds paid and continues to show a deficit in our payments of {$350.00}. See my attached letter sent to Ditech XXXX XXXX, 2016 both through their online portal and by mail. This amount is from their incorrect accounting of our supplemental payment of {$450.00} + {$90.00} late fee we made on XXXX XXXX, 2016. They credited our account {$90.00} but took the {$450.00} out of our account in an attempt to correct their errors and never reapplied it. {$450.00} - $ XXXX= {$350.00}, showing as a deficit in our account despite us having paid the full payment. Today XXXX XXXX, 2016 we received a certified letter stating that we are in default for {$350.00}. My intention is to pay this amount to stop any further inappropriate action on their part toward default or foreclosure while continuing to try to find one rational intelligent person at Ditech to remedy their errors and reapply correctly the {$350.00} Ditech has stolen from us. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

My aunt is a co signer on one of my loans. We are being harassed every day because we are struggling to make payment. When any one calls, you are greated with such a rude person that only cares about getting the money. They bully you on the phone every single time. We get calls Sunday to Sunday. Some of my payments are in default now and they have listed on my credit score from a time when I was making payments on the loan. Im so sick of this.
Consumer complaint received 2017-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc. (NY)

Hi, My name is     XXXX   XXXX     and this debt of {$30.00} was a medical co-pay from  XXXX  /   XXXX   when I had back surgeries. I was never notified and have no clue when this collection agency has put this derogatory remark on my credit report. When I called them, they tried to multiply the {$30.00} co-pay that was paid by a entire year and said I now owe {$360.00} and that 's what they wanted. I 've never been without medical insurance and never had a problem in the past with a co-pay, but they are impossible to speak with, rude, foul and unreasonable. I 've asked them several times to please validate the dept and that they ca n't do! Can you help at all, there was a link from creditkarma to your web site? Here is a copy and paste of the derogatory remark, which destroys my credit report. It 's not reported to  XXXX  or  XXXX , only reported with  XXXX . Thank you,   XXXX   XXXX    XXXX  my e-mail These are the collections accounts that are reported as open on your credit report.   Agency Open   XXXX   Balance Open Equifax Balance STATE COLLECTION SERVICE , INC {$0.00} {$30.00} 0 accounts reported on    XXXX   XXXX   XXXX    1  account reported on    XXXX   XXXX   XXXX    This agency did not report an open account to this bureau.   Open Account  # 1 {$30. 00} Balance  XXXX   XXXX  Original Creditor {$30.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consumer disputes this account information Medical Remarks Note See something wrong?
Consumer complaint received 2016-07-04
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ditech Financial LLC (TX)

They sent letter saying I can get my assistants takin away So I called they wanted me to pay {$100.00} I said I can pay {$10.00} a month he said I want to see if u will be honest so I will take it someone said if I was going to get the house I said no he said why u pay it I said to be honest he said they done repo it I said yes he said u live on fixed income u ca n't afford to buy home if ur not going to live there I was scared they take my XXXX I do n't know the law like the guy on phone now I guess because I sent {$10.00} I can get sued if I do n't keep paying the guy said he was n't going to make me pay but wanted a {$100.00} I have XXXX I believe letter take my money away
Consumer complaint received 2017-11-08
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: V and H Portfolio (TX)

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (KY)

I have had my Best Buy Visa card for years and years. I have never been late on a payment. In fact, because I get paid only once a month, I pay 3 weeks early! For some reason, last months payment ( {$30.00} ) did not apply to the account. I started receiving calls which I thought were spam because they did not leave messages. Then one morning as I am driving to work, it is Citibank. I told them I would have to call my bank. They agreed I was always on time and noted the account. However, they have continued to call everyday, at least 3 times a day and sometimes more ( calling both my cell and my work! ). It is 7 days a week. So in the last 7 days, they have calledXX/XX/XXXX ( XXXX, XXXX, XXXX  ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX ( XXXX, XXXX, XXXX ) ;XX/XX/XXXX ( XXXX, XXXX, XXXX ) ; XX/XX/XXXX( XXXX, XXXX, XXXX ) and started in this morning XX/XX/XXXX right at XXXX on the dot. This does NOT include the dates/times they have called my work phone. It is harassing and over {$30.00} which I am trying to track down since I made the payment through my bank. I have paid early for years and one misapplied payment has turned into harassment. This is beyond ridiculous and NOT OKAY. I ca n't imagine how they treat someone that actually has a true delinquency because this will be resolved shortly ( either the bank resends or they put money back in my account and I can forward payment on a second time ). Unbelievable and disrespectful.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.
Consumer complaint received 2017-04-25
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)

XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: OLIPHANT FINANCIAL, LLC (VA)

I keep receiving XXXX number calls from various numbers for a XXXX XXXX which is not my name. I have had this number for approximately XXXX years and I currently do not have any debt. The person on the phone does not identify their company and has not remove my number from their list. The latest number was XXXX XXXX XXXX XXXX and the woman hung up on me when I demanded to be removed from their list telling her they have repeatedly called the wrong number.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid this account through a collection agency, XXXX XXXX, for {$300.00} as a settlement. My original balance was {$680.00}. Once I paid the account, Capital One updated my account on my credit report to reflect a {$300.00} payment made and still showing a {$380.00} balance. Then once they did this, my credit score dropped 80 points. I then called them again and submitted another dispute to get them to update the account. Once it updated to a XXXX balance, it dropped my credit score 50 points. so over 100 points because of an error they did with the reporting. I did my research and found that they reported the account against the XXXX XXXX guidelines that are enforced by the XXXX XXXX XXXX XXXX. Furthermore, on my credit report, they are listing the date of last payment incorrectly as well as date of last active. It is different on each credit report and this is a violation of the Fair Credit Reporting Act. I am not sure how you are able to do this and then cripple my credit score after I paid you. I attached a screen shot of the way this account is reporting so that you can see for yourself. I am sure that the CFPB can impose some type of fine or get this done for me because my calls and disputes are not working.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

When I received my credit report. I was blown away when I say late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Had a mortgage modification approximat ely three years  ago with  Wells Fargo,   have been making my payments on time during this period but recently when I called them to discuss a new mortgage they told me the mortgage has never been re affirmed therfore it does n't appear on my fico score or with the credit bureau? And  Wells Fargo s aid they ca n't talk to me about a new mortgage until this mortgage is re confirmed? They suggested I call my bankruptcy attorney and have him, repair this oversight? I have done this but have n't received a reply from my attorney? As I am doing this complaint at the same time I wrote a request to my attorney, how do I get this mortgage w ith Wells Fargo re affirmed so  they will talk to me?
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JH Portfolio Debt Equities, LLC (CA)

I had an account with   XXXX   XXXX  , that was charged off in  XX/XX/XXXX .
JH bought this debt in  XX/XX/XXXX  They are reporting it as  XX/XX/XXXX  I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was  XX/XX/XXXX .
This is the only negative on my credit report. They deny that this debt is also out of statute.
Consumer complaint received 2021-03-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klima, Peters & Daly, P.A. (DE)

I have a debt which has a court ordered garnishment. I have asked for a balance and statement that shows what has been paid and what the balance is. I would like to see how the interest is being calculated. I have reached out to the company, but they have not sent me anything.
Consumer complaint received 2017-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  has been reporting the wrong  1st date o f delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ).  For a long time  XXXX  was reporting the wrong history and balances of the accounts since da y one,  but that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

We submitted a contract for a short sale to Ditech early XXXX 2015 and after close to 4 months of attempting to get someone to work on the file we submitted a complaint to CFPB and was finally contacted by Ditech and they escalated the file to be worked on. We received an approval for the Short Sale on XXXX XXXX. By this time the buyer decided to walk after waiting too long and extreme deterioration of the property. We put the property back on the market and received another offer ( same as the previous ) and submitted it with new paperwork all over again. Since we have submitted the package, no one will respond in reference to status or as to whether or not anymore documents are needed. I have sent email everyday for the past 2 weeks and called but to no avail. This is just the most frustrating process with this particular bank and it just never ends!!!!!
Consumer complaint received 2017-04-25
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)

XXXX  has been reporting the wrong  1st  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to a ll    XXXX   credit bureaus with no change in it being fixed over the last year. Onl y   XXXX    credit bureau removed   XXXX  of the   XXXX    accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). F or a long time  XXXX  was reporting the wrong history and balances of the accounts since day    one, but t hat was updated last year. I never had this issue with  XXXX   XXXX  as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2017-07-31
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: BARCLAYS BANK DELAWARE (VA)

I purchased furniture for delivery at a later date, which I never received. The seller obviously cheated me, and I reached out to my Barclays Card company to apply for charge back. They applied charge back, but refunded the money to seller after 4 months, saying they have the proof of purchase. But I told them the items are never received, nor there is a proof of delivery. Since they messed up the transaction, they are trying to cover it up with different legal terms. I need help!!!
I asked those terms in writing, but they deny giving it to me in writing. After few months, they stopped even responding to my letters.
After a year, I finally saved some money to buy furniture again. But I Lost money, no merchandise, and Barclays messed up my credit history and peace of mind.
Consumer complaint received 2015-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Tormey Bewley Corporation (NM)

XXXX Group XXXXXXXXThey started calling me a couple of years ago claim that I owe them money but refuse to send me proof. Keep asking for my personal info so they can verify who I am. Told them if they wanted to verify who I was to send anything they had to say to me plus proof of claim/debt to me in the mail and if I got it and it was mine I would verify. They refuse. 
Some of the original calls said they were calling about an investment issue. I do n't have investments so I hung up on them. 
Still call constantly, blocked numbers, unknown names, cell phones. I have blocked them on all my phones. I think they are just a big bunch of scam artists.
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (HI)

This is in response to CF PB Claim Number   XXXX .     In the original CFPB claim  XXXX , I stated I did not owe any debt and that I wanted to contest. I said I had aske  d Transworld for an itemized invoice but they did not provide one.
It seems Transworld responded by sending another invoice that IS NOT itemized. I will not pay an invoice that is not itemized, especially if I have never done business with Transworld or the debt they are allegedly trying to collect in the place of    XXXX . I have not used  XXXX  in recent memory.
Consumer complaint received 2017-04-25
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: CITIBANK, N.A. (CA)

Per my   XXXX  credit report, CITIBANK NA performed a hard inquiry on   XXXX   XXXX  , 2016. I did not apply for any sort of credit card through CITIBANK.