davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Due to divorce and loss of employment I have been struggling to maintain current payments. Recently I have fallen two payments behind, every time I try to call Capital one to arrange a payment plan or some type of payment, they transfer my call to a different department where I have waited on hold up to 45 minutes without a response or being able to deal with a live representative. They also sent me an email detailing possible eligibility for options but when I call the number listed on the email, the same thing happens. Im transferred and left on hold without ETA or response from a live representative : I am unable to work anything out to resolve past due amounts if I am unable to reach a live person. I dont k ow what else to do.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

When the bogus accounts were first noticed. XX/XX/2019 I sent information to them as well as contacted them regarding the issues they first came back with information had been verified as accurate this information is not mine. I also spoke with a representative that stated that they would not investigate the fraudulent accounts they would send it to the creditor reporting and have them investigate it. I have notified the credit reporting agencies more than 3 times and they have yet to correct this information.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 


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  has violated my rights. Or list of inquiries 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 2020-01-21
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COAST PROFESSIONAL INC (MI)

an agreement was made to repay my son 's college loans, since then i had to retire and lost more than half my income, i have filled out paperwork three times. I have not been late or missed a payment, and since then they have more than raised the amount by more than double, i wrote them, with a payment explaining i could not pay any more at this time due to loss of income plus i need tires, i have no oven to cook on and my water heater needs to be replaced, the young man was kind enough to re-evaluate my situation and lowered my minimum payment to five dollars a month. I told him i would continue to pay the fifty dollars as i had been. since that time they start calling me as early as XXXX and after XXXX, i have told them arrangements have been made, but each person seems to feel they need to hash it all out again and again, as of yesterday, XXXX XXXX they called me four times, twice on my house phone and twice on the cell my son gave me for emergencies, EVERY time they let it ring one time then hang up. This morning when the phone rang i answered by saying, hello, then i counted to 3 before they hung up. Now i am having my second XXXX  this month and need to get them out because of recurring infections and with missing alot of sleep because of this, i DONOT this aggrevation. PLEASE HELP, they will not stop even though i have told them two times to STOP calling me.
Consumer complaint received 2020-01-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MO)

My mortgage company Freedom Mortgage keeps calling, emailing, and sending me unwanted advertisements about refinancing my mortgage. Even every month when I pay my mortgage online, I have to dismiss ads about it before I am able to pay. Its getting ridiculous. I told them several times to take me off their call list and to stop bothering me about refinancing. Im not interested in refinancing and have told them this numerous times, they keep bothering me about this.
Consumer complaint received 2020-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (KS)

This is concerning our escrow account there has been several mistakes with our escrow being that the mortgage company paid to insurance companies that we did not authorize to be paid when we requested that they paid the third we had been notified then that they had overpaid and they had paid to other insurance companies and of course requested us to pay the money back when we did the mayonnaise was not properly executed to the right accounts or the it was not dispersed into the right accounts and there has been several escrows that has been done since then and every time I call them it seems like it gets worse and worse and I we just feel like our backs against the wall that we've been cornered and either we do as the mortgage company says and we pay what they say will be homeless we have paid back every dime that they we have instructed us to pay back and they still today to say we are behindaccording to our end of year mortgage tax statement we have paid him a {$6000.00} in escrow this year as of XXXX of last year to present date and that we only have {$500.00} in our escrow account every time I call and ask to speak with somebody in the escrow department or in the escrow analysis department I am told they did not take phone calls I can not speak with anybody higher than a customer service representative we are just floored we don't know what to do we don't know where to turn or every other month car payment is different than what it was the previous month and we just feel like they are doing our escrow analysis in the presumption that our escrow is going to be over {$5000.00} this year and there needs to be no more than {$2100.00} in our escrow and I believe they are doing the analysis as projecting it to me over {$5000.00} and I can't seem to get anybody to understand that is not correct we just don't know where to turn and don't know what to do and we need help it is an FHA loan we do pay the FHA mortgage insurance it is also a fixed loan it is not a very veritable like I said I have made several attempts and several phone calls to try to fix the situation and every time I do it seems to get worse I had the first payment that we sent back to them was over {$1800.00} when we sent it back they applied {$1300.00} to the principal instead of the escrow when I called to get that corrected then they applied {$700.00} to principal and I believe {$500.00} or {$600.00} to the escrow they have never applied the funds as we have instructed and they have done whatever it is they wanted to do with that regardless of how we instructed them to apply the funds and we are just in an in desperate need of some help
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (CA)

ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON XXXX AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I made many unscheduled large payments to a major credit card to increase my credit score but 26 points ( in which it did on two of three major credit bureaus ) in less than 30 days, however, one of the the credit bureaus dropped my score by 56 points in which is unusual. My score has risen over 702 on two of the three major credit bureaus, the third one dropped me to 615 by 56 points. I spoke with the customer service agent at, may I say, Equifax, and she stated that I need to make more payments, or that I had a closed account. I stated that I have plenty of closed accounts with a XXXX balances, and they were paid off in a timely fashion. The agent could not nor showed effort to investigate the issue. I stated that possibly Equifax might have been hacked again, and the agent stated not at this time. Please advise why my credit score dropped 56 points with Equifax unexpectedly or why their process is so different.
Consumer complaint received 2020-01-21
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. (AK)

I was shopping via the Internet and was purchasing a product. I was given the option to us XXXX or use my credit card. I chose to use my credit card. I completed the process by providing the details of my credit card and home/billing address. I was later informed by credit watch services that I subscribe to that a hard credit inquiry had taken place on my file. Since I was paying by credit card, there should have been no reason to pull my credit report. The credit report was pulled by XXXX XXXX XXXX XXXX/XXXX XXXX on XX/XX/2020.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2020-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview bought my VA home loan from XXXX. Lakeview then informed me that there was a shortage in my escrow of $ XXXX. So they proceeded to increase my escrow payment from $ XXXX to $ XXXX for a period of 12 months. Their reasons were 1 ) to pay back the shortage to fill a reserve and 2 ) an increase in expected property taxes. I was made aware of neither of these reasons, nor shown proof of the tax increase. For there to be a shortage in escrow reserve of $ XXXX, that would equal much more than a reserve of $ XXXX ( with increased purported taxes ), the limit if exceeded would be in violation of VA loan reserve regulations. And for my escrow payment to jump much more than 200 % would be in violation of TILA-RESPA payment estimation regulations. If there was such a gross oversight in original estimation, then Lakeview as the buyer of the loan should pay for their poor due diligence, not me. I called Lakeview numerous times and finally came to an agreement with a supervisor about payment. But then weeks later, I called and waited to check status, only to find that the agreement had been rejected by a different department of Lakeview. Lakeview has not contacted me since. So now I have engaged an attorney to further deliberate. Lakeview 's actions to me as a customer, and most likely many more, has been ILLEGAL. And Lakeview hides their actions behind terrible customer service and opaque communication.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery, LLC claims I owe and continues to report two bogus debt accounts totaling {$4000.00} and {$590.00} purchased from XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Portfolio Recovery refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Portfolio Recovery, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Portfolio Recovery to immediately delete these bogus collection accounts from my credit reports.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding, LLC claims I owe and continues to report bogus debt totaling {$2200.00} purchased from XXXX XXXX XXXX. 

I have disputed this debt through various channels including XXXX  and the XXXX XXXX XXXX. Each institution has sided with the debt buyer, claiming that their reporting is accurate, despite the fact that Midland refuses to provide concrete evidence which corroborates their fraudulent reporting and collection efforts. 

I also wrote Midland Funding, LLC a letter citing Texas Finance Code, and demanding substantive proof of the debt they allege I owe, which received no response, in violation of Texas law. 

I am hoping CFPB can resolve this matter by forcing Midland Funding to immediately delete this bogus collection from my credit reports.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C (OH)

I received a letter from Law Firm regarding a letter sent of an unrecognized debt with no information regarding supposed debt. Therefore, I promptly responded in writing a notification requesting verification and validation of unrecognized debt. Received no verification or validation of unrecognized debt. I never received any notification from debt collector. Law firm did not provide verification or validation of supposed debt and now threatening lawsuit.
Consumer complaint received 2020-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc. (IA)

I received a letter from a company calling itself " Municipal Collections of America '' or " MCOA ''. They claim to be working for the city of XXXX to collect a debt of about {$200.00} on behalf of the city. However, there is no outstanding debt owed to the city as all our bills are current and we only receive electronic statements. They also mention several times on the letter how to pay and to share your credit card information with them in the mail. My hope is that these people will be shut down so no one will be taken advantage of.
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (IL)

I contacted CMRE @ XXXX XXXX during the first week of XXXX to verify the mailing address, account number and how soon will they remove the debt from my credit report. I was told if I paid by credit card that day it would be put into the system and reported to the 3 credit agencies that day. I was informed if I mailed the payment amount the same process would be followed. 

So I mailed Cashier Check # XXXX, dated XX/XX/XXXX to CMRE Financial Service to cover the medical debt. The company received the check on XX/XX/XXXX. When I called on XX/XX/XXXX because, XXXX XXXX and XXXX indicated CMRE had not reported the debt amount was received and paid in full, I was informed by the CMRE representative that the checked was posted to the account on XX/XX/XXXX. XXXX XXXX and XXXX takes 45days to update credit reports.However, XXXX XXXX representative indicated this is not true. 

This is not fair to me. I have an emergency and I am trying to pay my debt so this will not appear on my credit report. CMRE have not reported they received the funds and cleared my credit report.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I purchased two cakes at XXXX. 

The cashier told me " {$33.00} ''. I handed my card. I was not given a receipt, and I did not sign anything. 

On my Capital One credit card statement, I saw that the charge ended up being for {$36.00}. I did not authorize this charge. I did not sign anything. I did not approve this number. 

I attempted to reach XXXX, the merchant, but failed. 

I called my credit card company to notify them that I did not authorize this charge. 

They requested *evidence* of how much I had authorized. I indicated that I have none, since I was not given a receipt, and I did not sign anything. 

On account of my not providing evidence that I *did not* make the charge, Capital One denied my dispute, and informed me that the charge would be reinstated. 

This is *not* reasonable. I *did not* authorize the transaction. And the onus is not on me to show that I didn't ; the burden of proof, clearly, is on the merchant and the credit card issuer, to show that I authorized the charge.
Consumer complaint received 2020-01-21
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: WELLS FARGO & COMPANY (FL)

On XX/XX/2020, my credit card company notified me ( via text notification ) that my credit score had dropped. When I logged in I saw that XXXX  showed a hard credit inquiry from the same day for " WF Equipfinance msg ''. After trying to find out who that was and determine that it is Wells Fargo equipment financing in XXXX, I contacted them. After hours of being bounced around I finally spoke to someone who, quite frankly, acted like I was a pain in her side, as opposed to the other way around. I gave her my name, my social, my business EIN, address, etc. and NOTHING shows up from their end. She said there is no account, application, etc. I spoke with XXXX  and they won't do anything because they say that WF Equipfinance msg shows a legal right to pull the report. Both point fingers at each  other but there is no account, no application ; I have never applied for equipment financing through this company. I need this hard inquiry removed from my credit report.
Consumer complaint received 2022-02-14
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: WELLS FARGO & COMPANY (FL)

Well Fargo continues to brush me off with responses that do not provide any proof that they acted in an ethical and non-discriminatory fashion. As a matter of fact article after article, class action suit one after another including XXXXXXXXXXXX XXXX own DA has found Wells Fargo to be nothing less than nefarious. Wells Fargo has stated repeatedly that I was approved for a " Modification '' and that I didn't accept their proposal. They expected me to fall victim to their fraudulent ways just like the millions of other who were approved for so called Loan Modifications by XXXX servicing which was a subsidiary of Wells Fargo. Customers believing Wells Fargo had granted them a " modification '' to keep their home paid on their modification for 18 months, received a Truth and Lending signed and notarized to the proof of the modification. Only to find a foreclosure envelope in their mail box. Trust me says Wells Fargo we reviewed you documentation and upon fair review we were able to offer you the same loan terms and conditions, but just not call it a XXXX XXXX loan .... What? I refuse to speak with some used car salesperson on the phone trying to talk me into believing that Wells Fargo has acted and continues to act ethically and responsibly. Again all evidence points to lies and deception on the part of Wells Fargo and I reiterate that my loan modification was not assessed in an ethical and non-discriminatory court ordered manner. Before furnishing any further additional documentation Wells Fargo need to first establish an interest in establishing their claim of no wrong doing on their part as they've monetarily have paid for via class action settlements. I request Wells Fargo 's senior management team set up a meeting with me and my advisors and walk us through my entire loan modification along with the process utilized.