davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
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. (AZ)

I have received a lot of information on my credit thats not mines .XXXX  XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, 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 several times, XXXX, I have like 100 inquiries. I dont apply for anything
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used XXXX for transportation on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX pulled funds out of my Bank Of America Checking account. This is NOT an account I associated with XXXX payments. The only payment listed in my XXXX account is XXXX. I may have had my banking information listed in the past, but it has changed as of 2 years ago. I do not know how XXXX got a hold of my bank information as I already " erased '' it from their system. It is very troubling. I called XXXX. They have no documentation of payment request from XXXX on those dates. I called Bank Of America. I was told XXXX pulled the funds out and to call them directly. I don't understand why an unauthorized transaction would go through? XXXX DOES NOT have a customer service phone number or email readily available to contact them. Please refer to a copy of my bank statement for reference.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WA)

I had a car that was purchased with my XXXX  husband and when we got divorced he stole the car and hid it. I assisted the authorities with the recovery and now it is showing up on my credit report with twice for the incorrect amount. They resold the vehicle but are attempting to collect the entire amount ( twice ). I have tried to fix the issue with them but i have two collections on my report for the same amount instead.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2018-09-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code.

6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit XXXX Notice
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Client Services, Inc. (WA)

I owe XXXX XXXX about {$11000.00} for a credit card bill and haven't been able to make any payments for several months. This morning around XXXX XXXX, a male from Client Services at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO called a family member and harassed her about giving them my phone #, etc. She said she couldn't do that then they also told her that they knew she lived at the same address that I did and told her I owed over {$11000.00} to XXXX XXXX. 

I understand it is against the law for them to reveal that type of personal information and I would like this addressed with the company and the person that made the phone call. 

I also want to ensure that they don't try to harass me or my family or try to retaliate against me while I'm trying to pay off this debt.
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

XXXX has pulled my credit 10 times on my all of my store cards then proceeds to reject my credit limit increase requests stating that they werent able to pull my credit. I now have over 10 inquiries from them for them, and theyre fraudulently saying they were unable to pull it. The accounts that were pulled were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

I accidentally paid my bill on my XXXX XXXX XXXX XXXX credit card a few days late the last 2 months due to medical issues and being in and out of the hospital, however the bills were paid. The company suspended my use of the card, then decreased my credit limit from {$1600.00} to {$950.00}! I have had this card for over a year and this was the first time I have ever had any issues!
Consumer complaint received 2018-09-23
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: Fidelity National Information Services, Inc. (FNIS) (FM)

I have been challenging the XXXX  XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LENDING COMPANY, INC., THE (SC)

On XX/XX/2018 at around XXXX XXXX EST I got a text message saying that I was approved for a loan from a company called XXXX XXXX XXXX from a number of XXXX, the person signed it as XXXX XXXX. I called to obtain the loan and during the process the rep, who sounded like a foreign agent asked me for my online banking user name and password to verify if the funds were deposited. I provided it to him and he repeatedly told that it wouldn't allow him to log in and I verified it multiple times with him. He placed me on a very long hold and when he came back I asked if this was a scam and he said no its not and then hung up on me. I immediately changed the password to my online banking account. Please do something so that this person doesn't scam someone else.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Over the course of the last month, XX/XX/XXXX, I have been attempting to have an erroneous collections account created by XXXX removed from each of the three credit reporting agencies. This account was created on XX/XX/XXXX in the amount of {$130.00}, and is currently noted as charged off with Equifax. 

However, after many phone calls with XXXX in XX/XX/XXXX, during the creation of a new mobile phone account with them in my name, it was discovered, and stated by their representatives, to have been created by XXXX in error, and further advised that it would be deleted from my report. However, after several months waiting, XXXX has not followed through with that statement and the erroneous account remained on my credit report. I subsequently filed disputes with each agency, XXXX, XXXX and Equifax to have this removed, as XXXX had not taken appropriate action. 

As noted in the enclosed investigation findings from XXXX and XXXX, the account was clearly found to have been invalid and was deleted from my report without further question, however XXXX  has stated on multiple occasions that their own investigations have deemed this account valid and that it would remain on my account. It is unclear how two of the three credit agencies could come to one result, while the third agency remains staunchly convinced of their own completely inverse investigation results. 

These investigation results from XXXX  and XXXX  were even faxed to Equifax as proof on XX/XX/XXXX at XXXX, as shown in the attached cover letter and fax transmission confirmation. Despite this, they have thus far only updated comments on the account and subsequently reduced my credit score by 14 points, in what appears to be a suspiciously retaliatory act. 

In multiple phone conversations with Equifax ( phone numbers XXXX and XXXX on XX/XX/XXXX, XXXX ; XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX ), I was advised that " Equifax has their own investigation process '', and that I would need to obtain a deletion letter from XXXX. 

In a subsequent call to XXXX ( XXXX on XX/XX/XXXX ; XXXX ), I was advised that due to the FCRA they do not send deletion or " pay to delete '' letters, and would be unable to assist further, despite my stating several times that I was previously advised the account was created in error. 

I would like the CFPB to investigate and remove this account from my Equifax report as soon as possible. This account was stated to have been created in error by XXXX representatives, and confirmed to be an error by XXXX and XXXX 's independent investigations. I have received no assistance of any kind from either Equifax or XXXX, despite these errors being of their own creation, errors which have had a significantly detrimental impact to myself and my credit report.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I attempted to make a payment on my Sears card via the internet, and was unsuccessful. I called customer assistance and was informed that my account had been changed to a mastercard account. I was further told that I had been sent 2 letters giving me a terminal date to refuse the mastercard, which was activated after no refusal was received from me. I told the agent that I had not received any letters and I did not need another credit card. I asked that my account be reverted back to the regular account that I had. I was told that they could not do that since the card was activated. I firmly stated that I did not request or desired the card. I further stated that I did not want to make a payment that would go to that mastercard. I was told again that the account could not be reversed. I hung up dissatisfied and contacted the Maryland Attorney General 's Office of Consumer Protection, who referred me to you. I currently have 2 credit cards and do not want more, especially one that I had no previous knowledge of, nor requested. Your assistance is greatly requested. Is this another " XXXX XXXX '' situation. Please advise.
Consumer complaint received 2018-09-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

MY home equity loan was sold to Rushmore Loan Management Services LLC on XX/XX/2018. They called me on XX/XX/2018 in regard to my XX/XX/2018 payment. That payment was made to XXXX XXXX as instructed before XX/XX/2018. It was made on XX/XX/2018. Yet XXXX XXXX contacted me about this payment. I informed them that the payment was made and they should be following up with the institution that they bought the loan from. I also asked them where my payment coupons were for all payments going forward as none were sent to me. I received another call from Rushmore on XX/XX/2018 in reagrd to the same exact queries, where was my XX/XX/2018 payment? I informed them AGAIN that it was sent to XXXX  XXXX as instructed by Rushmore 's  only and first letter to me. I again stated to them that I have not received any payment coupons for what would be a XX/XX/2018 payment and here it is XX/XX/2018. I do not want to pay these clowns on line as I am not trusting them and they have very bad reviews online. I want to make my payment via US Mail but they wont provide me with a payment coupon to do so.
Consumer complaint received 2018-09-24
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 (MD)

XX/XX/XXXX account became delinquent with XXXX XXXX XXXX ( timeshare ). Account was given to XXXX XXXX. According to a debt lawyer, because XXXX XXXX is not the orginial debtor they have no authority to report the account delinquent each month. They are only authorized to report 1 time as being delinquent one time which was in XX/XX/XXXX. Also, i paid capital one auto finance off back in XX/XX/XXXX. Paid in full. They reporting the account as charge off and paid in full and a chargeoff with a XXXX balance,
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

This is a follow-up to the complaint I originally submitted on Friday XX/XX/2018, Complaint Number XXXX. After my real-estate agent called SPS on XX/XX/18 to confirm that the short sale acceptance documents were received, faxed and emailed on XX/XX/18 and XX/XX/18, she was told we no longer had the option to short sale our home ; that " cash for keys '' was the only option available at this time. SPS sent a letter to me, dated XX/XX/2018, where it gave us options to avoid a foreclosure. The letter, ( also attached again ), had a short sale option with the stipulation that we accept the short sale acceptance letter, sign and send back on or before XX/XX/2018. The letter also states that I have 30 days from the date of the letter ( XX/XX/2018 ) to contact SPS with any questions. My agent and I sent the signed requested documents back to SPS on XX/XX/18 and XX/XX/18, which was confirmed by SPS, then they told her that my options had expired. How can this company get away with false, misleading information being given to consumers about a short sale option ; the requested protocol being followed by the consumer and then they take the option away without any further notice? We never received any further communication in writing, fax or via mail stating our options had expired until my agent called ; now all of a sudden a new letter dated XX/XX/2018 was faxed ( also attached ) to my agent stating that we no longer had the options that was previously offered. That is nothing short of false information and a bate and switch tactic being sent to borrowers. This company can not get away with this, they gave me the option in writing to sell my property as a short sale and that's what we want to do.
Consumer complaint received 2018-09-18
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: ENOVA INTERNATIONAL, INC. (CA)

This company ran a credit check on my without my consent or authorization. I have no idea who they are or what this was about. I disputed it but they did not delete it off my credit history with each of the three credit bureaus. This should be deleted off my credit report on / with each of the three credit agencies immediately as it was unauthorized. 

Thank you.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My XXXX XXXX credit report clear states " Natural Disaster, under the mortgage account. I have called Ocwen, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. Ocwen has received my on time payments, since XX/XX/2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, Ocwen, kept me with a running 90 day late payment and has caused me financial harm.
Consumer complaint received 2018-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (AK)

I was XXXX and didn't realize loans from alaska post secondary education commission were " private '' loans and yrs later I fell on hard times and had a deferment on the XXXX, XXXX XXXX ( XXXX ) and XXXX XXXX at the time. I mistook the APSEC loan with federal and ended up defaulting on it. the loan in return goes from $ XXXX into $ XXXX. I would have to find the paperwork for specific dates, but this happened around XX/XX/2012. I've tried calling many times to APSEC and I'm always reverted to XXXX XXXX because they are the collection agency, which they are no help other than paying off the entire balance or 90 %. I can't believe there is no way to get out of default like with a rehabilitation program or anything. perhaps consolidation, but it is just crazy how the balance doubled - it is extortion. especially, since the XXXX financial advisors were basically just salesmen to XXXX yr olds just, like, " oh yea we can get you the money. '' XXXX is in a fact a for profit university just milking ease of student loans. I honestly wish I never went to college after this experience. DO NOT TAKE OUT AN ALASKA POST SECONDARY LOAN. 

of course many will just say " didnt you read the fine print. '' well, struggling and juggling multiple lenders, I didn't realize it was separate from federal loans.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Bayview Loan Servicing response is incomplete and did not provide a sufficient answer to the questions. Please provide the following : 1 ) amortization schedule for mortgage. 2 ) review payment history and match payments in suspense account with monthly payments dating back to XX/XX/XXXX - XX/XX/XXXX BAYVIEW LOAN SERVICING DID NOT REPORT ALL MONTHLY MORTGAGE PAYMENTS MADE and resulted in inaccurate reporting for XXXX Mortgage Interest Statement showing {$4300.00} mortgage interest received - please look at payment history provided in this complaint and cross reference with Bayview Loan Servicing records.

4 ) Please explain how all the below calculations were calculated and reported on The XXXX Form XXXX Mortgage Interest Statement Bayview Loan Servicing reported {$24000.00} - Total Interest Applied XXXX : see below Total Interest Applied XXXX : {$20000.00} Payments Applied to Previously Deferred Interest : {$6300.00} Prepaid Interest Applied : {$2700.00} Net Prepaid Interest ( Current Year ) : {$2700.00} XXXX Mortgage Interest Received from Payer/Borrower ( s ) : {$24000.00} ALL CREDIT BUREAU '' S - Bayview Loan Servicing has not reported Monthly Payments.

IN REGARDS TO THE STATEMENT FROM BAYVIEW LOAN SERVICING THAT THIS A DUPLICATE QUESTION ... THIS IS NOT A DUPLICATE QUESTION AND BAYVIEW LOAN SERVICING MUST STOP USING THE TERM " DUPLICATION '' AS AN EXCUSE NOT TO PROVIDE THE REQUESTED DOCUMENTATION. IT IS POSSIBLE THAT THE HIGH TURN OVER OF PERSONNEL INSIDE BAYVIEW REQUIRES REPEATING THE QUESTIONS BECAUSE IN MY EXPERIENCE THE SAME PEOPLE THAT WERE ASSIGNED TO MY CASE HAVE QUIT OR HAVE BEEN MOVED TO A DIFFERENT DEPARTMENT> THE ABOVE STATED REMAINS AN UNRESOLVED ISSUE. PROVIDE THE INFORMATION.