davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
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. (NY)

I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!
Consumer complaint received 2018-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

My mortgage loan was sold from XXXX XXXX to Loancare starting XX/XX/18. I made XXXX 's payment with XXXX XXXX on XX/XX/XXXX which they state has been transferred over but Loancare still says they have not received that transfer. I have been going back and forth between both companies trying to figure out what I can do to resolve this issue. They both kept telling me not to worry because I have a 60 day grace period before the payment is actually considered late. I have 15 days left until that 60 days is up and neither company have resolved anything. I have sent proof of payment via e-mail and talked to a manager at Loancare. The last thing I was told to do from Loancare was to get a print out of my transaction with XXXX XXXX from my bank for the payment made on XX/XX/XXXX and then send that via e-mail. That has been done and I am now waiting on a response. I ended up making a mortgage payment for the month of XXXX as well as XXXX on XX/XX/18 because I don't want any payments to be late. I have now made 4 payments for 3 months. I took out roughly 3,500 out of my savings just to make these payments for XXXX and XXXX since nothing has been resolved regarding the payment I made for XXXX on XX/XX/XXXX. I have been dealing with this for about a month and a half now and have definitely been losing sleep over it because I feel like there is nothing I can do. My XXXX levels are at an all time high because I have been working on building my credit for a couple years now and would hate for a payment to be considered late which is why I ended up just making the two payments on XX/XX/18. All I want to do is make my mortgage payments on time which I am fully able to do. It should not be this hard and stressful to make a payment on time. Every time I call either company I am being treated like I am trying to get by with something and everyone keeps telling me to not worry about it and that it will get resolved. I am very disappointed that neither company can figure this out and that I feel like it is up to me to correct this issue that is between them. This is very discouraging considering this is my first house I have ever owned and finding out THIS is what I am going to have to deal with from now on. I have had to take time away from my job several times to sit on the phone with both companies on many different days. This has caused enormous stress in my life that is not deserved. I can't wait until this is figured out if it ever will be.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had 2 late payments because i never received the bill. I changed my address with the company but still never got my bill. This caused the payments to be late. They have also said they would work with me on the late payments but haven't removed them.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (FL)

I originally bought a XXXXXXXX XXXX in XX/XX/2015. The original price of th car was {$19000.00} which includes the tax for the vehicle. The monthly payments for the vehicle is {$470.00} after 3 years of paying I called XXXX XXXX XXXX   to find out what is the estimated pay off for the vehicle only to find out that I still owe {$19000.00} roughly. In calling to get an explanation all I recieved is rude and short answers like, " this is what you agreed to. ' Also the representatives have hung up on me on severall ocassions in me trying to figure out what kind of sense does it make for me to owe as much as I originally financed for the car. In doing the math I have already paid over 16,000 to this company. I do understand that interest is involved in loans so I do not expect to pay exactly what I have financed but at this rate it looks like they expect me to pay close to 40,000 on a compact car. I can not see how this can be legal. In fact, I am not even sure if a loan of this nature is even legal. can you please look into this for me. Thanks.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I have disputed this account multiple times with Experian and they refuse to investigate. This XXXX account does not belong to me, and I have confirmed multiple times that the date of first delinquency was back in 2010, but it has been continually re-reported as a later date. It is now over XXXX XXXX XXXX and Experian refuses to correct or remove this now obsolete account that does not even belong to me.
Consumer complaint received 2018-09-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with. As you questioned, yes Ive attempted to rectify the issue on my own by XXXX ) requested validation via the credit reporting agencies directly on XXXX XXXX via fax to XXXX which I called Customer Service to confirm it's accuracy and received delivery confirmation ( also attached ) ... the responses I received were verified for some, XXXX  made it a point to remove XXXX XXXX as well as XXXX XXXX as its clear this is inaccurate because they are both one in the same ( Ive also contacted them directly, havent heard anything back from either as yet ) except for Experian who is just now responding on XX/XX/XXXX ( as per their letter which is attached for your reference ) and I believe this response is only in response to my XX/XX/XXXX follow up ( sent by mail certified which was delivered XXXX XXXX ) to them not responding to my initial letter on XX/XX/XXXX ( more than 30 days ago which I thought was the amount of time they had to respond ). 
Their response ( you can find attached ) for 2 of the accounts in question, one being XXXX which I also have filed a complaint with you all under COMPLAINT # XXXX states that Ive already disputed this account and creditor confirmed it was accurate however, Im asking for VALIDATION of the debts listed not just the creditor saying its accurate. Correct me if Im wrong but this is not the same thing. Please assist. 
Thanks!
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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, 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 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 2018-09-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Critical Resolution Mediation LLC (TN)

I have set up a payment plan with this company CRM XXXX GA I have made one payment and they attempted to collect another to which I agreed the funds were avalible in my account they are saying it was denied I stated to them that the funds have been in my account for a week now I agreed to four payments to pay off the debt I have made two this would be my third payment I was instructed by them to send the the first payment it was debited from my account Then I was told there would be a surchange for card transactions could I two daymail deliver and I did it was delayed due Labor day I guess because the office was closed USPS told me this directly Iam being harassed by this company I have tried to comply I have been accused of lying and threaten with jail time when I TOLD THEM I WOULD BE CONTACTING FTC I WAS LAUGHED AT. Contacts at CRM XXXX XXXX and XXXX XXXX contact # XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXX XXXX the government has obligation to discharge and settle debt we may incur
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

On XX/XX/2018 I contacted XXXX XXXX for prices on some of their products. I explained I was just gathering information that day, and didn't want to order anything. The XXXX representative obtained a hard inquiry of my credit report without my knowledge. I called when I realized they had done that, because it stays on my report for 2 years, and they had no reason to do that, it should have been a soft inquiry if at all, because I wasn't ordering a service. The manager I spoke to advised they would have it removed. It is still on my credit report through Equifax. I want that inquiry removed from my Equifax credit report, as it was accessed without my knowledge.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (IN)

I am under a monthly payment contract with XXXX XXXX XXXX. I have enclosed a copy of the contract for your review. I have NEVER been late making payments under the terms and conditions of the contract, therefore I have not breached the contract. I have complied with the terms and conditions of the contract. The contract does not end until XX/XX/XXXX. XXXX XXXX XXXX BREACHED the contract by involving Harris & Harris. The contract states that " this contract is valid unless I cancel through written notice to the facility. '' I do not owe XXXX XXXX XXXX any money nor have I ever paid them any money nor I have ever received any notice stating that I owe XXXX XXXX XXXX any money. I want the fraudulent collection account posted to my credit reports on XX/XX/XXXX listed by Harris & Harris in the amount of {$6500.00} removed immediately from my credit reports with XXXX, XXXX and XXXX. I have also enclosed proof of payments made directly to XXXX XXXX XXXX under the terms of the contract. I would totally understand if I had broken the terms of the contract by failing to make timely payments or by not paying the full amount due by the end of the contract, however, I HAVE NOT! The monthly payments have been made by automatic deduction from my credit card account, I have the credit card statements for proof of payments made directly to XXXX XXXX XXXX. The original bill was {$19000.00}. I am happy to continue my monthly payments to XXXX XXXX XXXX under the terms and conditions of the payment contract and to make sure the full amount is paid off before my contract ends in XX/XX/XXXX. All I ask in return is to have the fraudulent collection account listed by Harris & Harris removed from my credit reports. I contacted XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX regarding the contract, she stated that she was not willing to resolve the issue and transferred me to the voice mail of XXXX ( account manager ). I left a voice mail with XXXX and as of XX/XX/XXXX she has not responded. I have already had a creditor take negative action due to the fraudulent collection account on my credit reports by reducing the credit limit on my XXXX XXXX credit card form {$17000.00} to {$1000.00}.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

The lender has been provided sufficient documents for a decision to be made on the loss mitigation review - the docs provided give the lender more than enough information for them to complete the review, but they refuse to do so. the client has stated several times that due to the transfer of servicer 's that she can not obtain a mortgage statement on the property she lives in due to the new lender having to update there system- A new statement will be mailed to her on XXXX/XXXX/17, but the lender has been provided the statement the new lender has sent which shows the mortgage payment amount. - the lender also has a problem with the HOA statement provided because it is not from XXXX 2017, the statement is in fact from XXXX this. These are unreasonable request by the lender and they are not willing to complete the review.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( XXXX, Experian and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX  is the Original Creditor and Original Account # XXXX   that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but XXXX  and Experian has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileXXXX  and Experian has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws.

Kindest Regards
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

I logged onto credit karma and noticed in my hard inquiry report that there was a mark for national credit card airlines. Unaware of what this could be because I have no credit cards and I do not open any I decided I needed to call them. When I called national credit card airlines they then informed me that credit karma has put this mark in error on many peoples reports and I am another victim of credit karma doing this. They also informed me I have no account with them and that I needed to dispute this with credit karma. After realizing there is no phone number for them to speak to a actual agent I then researched other people who have became a victim to this and they informed me to contact consumer financial protection bureau to get it solved, there is no reason why there should be a hard inquiry involving national credit card airlines on  my account or on my report.
Consumer complaint received 2018-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

Shell Point Mortgage services this account now owned by XXXX XXXX XXXX in Delaware. 
When calling into their service # ( XXXX ) XXXX you can not pay towards your principal balance only the balance or interest payment. When I have held for their associates and attempted to pay towards my principal it does not get applied to the principal and is logged in as partial payment, XX/XX/2018 I called into pay {$270.00} but only {$240.00} was taken by the Shell Point associate, I started getting collections calls even though they state to me due to my Bankruptcy they are not collecting the debt? I called back XX/XX/2018 to pay the additional {$30.00} to find out the {$8.00} was not applied to my principal and this is not first time this has happened. I called XX/XX/18 spoke to two different Shell Point Associates who stated it was my fault and refused to transfer me to a manager. The two calls took place around XXXX XXXX CST. I was just left on hold or transfer back to hold que each time.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX and Transunion and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Consumer complaint received 2018-09-09
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)

XX/XX/XXXX - XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX ; and filed disputes with XXXX and Experian and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.
Consumer complaint received 2018-09-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I opened a automatically renewable CD account with XXXX XXXX, My initial deposit was {$5000.00}. I was told by ms. XXXX XXXX ( financial specialist ) that my CD would auto renew at each maturity date, and there would be no need for me to do any mantainence, So i made the deposit and left it there, because it was for my grandsons college fund. XXXX merged with Wells Fargo in XX/XX/XXXX, and i just assumed my account would be transfered over with no problem. 
On XX/XX/XXXX I went to Wells Fargo with my receipt of deposit and all the paperwork that was given to me at the time of deposit, only to be told that they had no record of my account, there was no record of deposit or withdrawal, so they said that they would investigate, and after about 4 weeks of contacting the bank for updates they finally told me that the account was purged from their system, so they said that the account must have been closed out, I asked them by whom, and they said that they have no idea, I know I didn't close the account. so I feel they owe me a better explanation as to what happened to my money