davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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: Experian Information Solutions Inc. (AZ)

It is difficult to find the appropriate higher up individual at XXXX XXXX XXXX  to discuss the matter. I have contacted XXXX. The company hyper-marketed to me to get another card for many years to the point of harrassing or pressuring me. I was getting emails every two days in XXXX ( attached XXXX screen shots that I qualify for a second card. 
I resisted for a long time, and we all often do, at XXXX time, I finally fell prey and got the second card in XX/XX/XXXX XXXX XXXX )! I used the card once or twice, there wasn't much credit line on it, like {$700.00} where the first charge was a fee of about {$150.00} before I could even use the card! 
After the first or second use of the card, they slammed me with {$90.00} fees and late payments!, by XX/XX/XXXX without even using the card after the second time, I was now owing them XXXX! 
The debt had doubled in less than 6 months. 
To make matter worse, the covid-19 time did not allow me to receive mails at my home as I could not return home from the holidays as someone in my family had covid in XX/XX/XXXX. By the time I returned home, I had hundreds of letters from XXXX XXXX with an exhobitant bill and didn't know what. Now, my credit scores are impacted by this one company due to : 1 ) The recency of this unpaid bill occurrence.

2 ) I never worried much about this bill as I already was on auto pay with the other card ( account ) I had with them that was never late. Unfortunately this was not the case, the credit cards were being billed separately. 

Action I have taken : I have asked XXXX XXXX to delete the derogatory line item from my credit report. I have not been able to find the appropriate person to discuss this with so that they can take action. I have sent a Fax to the company Correspondence Dept, but I am not confident that my complaint will be addressed. In the meantime, each time I call them, all they want to do is to increase my credit line and slam me with more fees. I have turned them down. I want them to stop marketing to me each time I call. I want them to address my complaint! They don't seem interested in this. 

1 ) It is unfair that they can hyper-market to me every two days to get a second card. This is consumer cohesion-pressure to purchase.

2 ) It is unfair that my credit is impacted during covid-19 and is a big ding in my credit score and I had this card-account in such a short time during a very difficult time where I did not receive my mail on time. 
3 ) I have been their customer in good standing for many years, all that is not taken into consideration. They have destroyed my name over a credit card worth {$500.00}.

4 ) They unfairly slammed me with fees, interest and late charges that I cant even begin to make sense of. 

Please help.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc. (CA)

Credit report is showing a debt of {$1800.00} to Progressive Mgmt from XXXX XXXX. I tried to resolve this with them but never got it cleared and its back on my report. This is not my charge please help with an investigation or let me know how i Can get this off my debt.
Consumer complaint received 2020-10-31
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. (CA)

XX/XX/XXXX Equifax said they verified the accuracy of 2 medical bills placed by : XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX bill amount for {$170.00} from XX/XX/XXXX and is now showing collection of {$320.00} due. I have the statement. 

XXXX  XXXX for XXXX XXXX XXXX XXXX bill amount {$180.00} from XX/XX/XXXX and is now showing collection of {$270.00} due. I have the statement. 

I have offered XXXX XXXX  XXXX ID No. XXXX issue XX/XX/XXXX to supplement my XXXX insurance payments. 

Also my student loans are reporting inaccurately and have refused to be reinvestigated. XXXX XXXX and XXXX are paid as agreed, never late XXXX  and XXXX XXXX Student Loan Forgiveness from the Department of Education Discharge.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Card has been blocked have faxed documents to verify my address four different times following the directions of the agent that I am in the phone with.From House of iRepresentative XXXX XXXX office on XXXX I was told that they came across as not being able to read.After waiting a total of 5hrs for a agent to help me.I was informed that it would take five business days to have a answer to my question. While I have no money to pay for food and shelter I am told that I would have to send documents over a fifth time. The very helpful employee of State Rep.XX/XX/XXXX ( ms.XXXX ) can't understand why they are receiving and unable to read faxes and has never experience this problem.on XX/XX/XXXX I received a letter from USBANK cardholder services XXXX XXXX XXXX  XXXX XXXX fl XXXX. I called on XX/XX/XXXX waiting over a hour to find out why the letter states " no further action is needed '' yet I still can not use the card. The fact of me exhausteing large amounts of time back and forth to the office of st rep and holding on the phone to he told once again I would fine out in five business days.I have a letter in my hand mailed by usbankrelia card to XXXX XXXX and on the phone I am still not verified. This is a disgrace and have been out in a desperate situation.Depend in that money to live and pay bills.XXXX  XXXX XXXX I have not received a call back from a supervisor to explain to me why there is not a email address that could be used instead of the outdated fax system.
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

On XX/XX/2020 XXXX XXXX XXXX XXXX, added a derogatory remark to my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, RMP SERVICES LLC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2019-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had a Capital One auto loan and moved from XXXX to XXXX. Upon going to register my car ( which had a lien on ) I was informed that I would need to have the lienholder ( capital one ) send a copy of the title for registration. I was informed this process could take up to 2 weeks. After a couple months of waiting and capital one ( admittedly ) messing up on their end, I decided Id pay my car off. Then they would have to send me my title? Right? Wrong. I waited almost three months to get my car registered ... ..in XXXX. I couldnt wait any longer for a car that I couldnt drive because it wasnt registered. I was also upgraded to the presidents office or something like that so I knew my claim was actually being taken seriously. The last person I talked to was going to talk to someone to see if I could get those last couple payments back. Never heard from them again and that was over a month ago.
Consumer complaint received 2020-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My name is XXXX XXXX, Acct # : XXXX & XXXX. I have attempted to resolve this issue since I first closed on my home in XXXX of XXXX with NewRez via phone, faxes and email but it's still unresolved 1. I am requesting NewRez to do a Escrow Analysis on my account. I am a XXXX veteran who is exempt taxes on my home. 
2. Remove the unauthorized forbearance placed on my credit by NewRez.

3. Adjust my previous mortgage and my refinanced mortgage to show the exempt taxes. 

Unfortunately, I regret that it has come to this. I am unable to speak to a supervisor or manager regarding my account.but since my last correspondence I received a letter dated XX/XX/XXXX denying an ( alleged ) forbearance that I should have not had on my credit because my wife and I never competed the application. We have made ourpayments on time. No one never told us we were in forbearance no call, letter, or statement. It wasnt until I began to refinance my mortgage when I learn I was in deferment. If my loan was truly deferred then the two mortgage payment should have been returned, at least a letter stating such Again, this is one of the many attempts I have reached out to your company to clear this error including my ongoing request for escrow analysis since XX/XX/XXXX. I have notified you that I am a XXXX Veteran who is tax exemptand provided tax exempt letter. My County Tax office also spoke to your representative and also requested and escrow analysis ( an audit on my escrow and loan ). I am respectfully requesting asking for these issue to be resolve.
Consumer complaint received 2021-01-04
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)

EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2020-11-02
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. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NC)

Today 's Date is XX/XX/XXXX We paid-off a Conventional mortgage loan on XX/XX/XXXX. There is a XXXX balance but the lien against our property has not been removed since XX/XX/XXXX. We can not sell or get a HELOC loan due to this ongoing problem with LoanCare. My husband and I have called LoanCare for the past 3 months trying to get them to remove the lien against our property. They acknowledge they need to correct a document ( for some reason they don't know details to explain to me ) and resubmit it to XXXX County Register of Deeds. This has yet to be resolved Since XX/XX/XXXX. We get the same exact excuse every time we call LoanCare. 
I have logged onto XXXX County Register of Deeds every day and there is no Cancelation, so the lien is still against our property as of XX/XX/XXXX. 
We will take legal action against LoanCare soon because we have given them more than enough time to resolve this problem. A lien against our property for a paid-off loan is very serious and requires immediate attention and legal action.
Consumer complaint received 2020-10-31
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. (GA)

Equifax added a fraudulent account on my credit profile named XXXX XXXX XXXX This is a fraudently opened account. The amount is claiming a balance of XXXX. I am not affiliated with this company. This is a direct violation. I diputed this item 3 times and all claiming verified..Equifax is also not responding within 30-45 days after the disputes.I currently have a security freeze due to identity theft and they allowed an account to report on my report which brought my score down tremendoisly and is damaging my creditbility. Please investigate into this further. Also Equifax is not removing other fraudulent activity such as XXXX XXXX XXXX XXXX and XXXX XXXX. I submitted an identity theft affidavit to them in XXXX. Also submitted another in XXXX.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NJ)

After receiving a copy of my consumer report I've noticed that there is inaccurate information and accounts thats being reported. I then reached out to the creditor reporting this account and asked them to provide me any signed contracts, agreements, or receipts that verify the alleged debt. I also asked them to cease all communications with me which by definition, reporting this account to my consumer report its a form of communication in which they must remove. How can there be an alleged debt if there isn't any contracts or agreements between me and the creditor listed in my dispute letter. I never gave them the consent to obtain nor share my personal information which is a violation of my right to privacy. Violations committed by the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2020-10-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

In XXXX, I secured a manufactured ( mobile home ) loan through Bank of the West. 

Besides the typical mobile home insurance required for my loan, I have been required to also maintain flood insurance. 

This had never been of issue until XXXX when Bank of the West first informed me in XXXX of that year, they had not received the required flood insurance. I followed up immediately by having my insurance broker ( XXXX XXXX ) fax a new copy to the Bank of the West Escrow Department. 

On XX/XX/XXXX, I received an email from Bank of the West ( dated XX/XX/XXXX ) they would be placing a forced plan on my loan. ( See Email 1 ) I immediately contacted XXXX XXXX and they followed up with another email to Bank of the West ( see Email 2 ). I also followed up ( See Email 3 ). XXXX also followed up on XX/XX/XXXX ( See Email 4 ) On XX/XX/XXXX I received notice Bank of the West HAD placed flood insurance on my loan. ( Scan 1 ) This time, I went to the branch where we originally signed loan documents in XXXX and spoke to the branch manager : Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX directed me to her Senior  Relationship XXXX XXXX XXXX ( same office ) who took all my information and informed me she would get this resolved. Later that afternoon, XXXX phoned me and said everything was taken care of. 

Until XX/XX/XXXX when everything happened again. 

I contacted XXXX through email and received the following response ( email 5 ) When it appeared this was not taken care of and I was still seeing the increased payment on my loan ( from the original {$1600.00} ) to now {$1700.00} I sent another email. This time, XXXX replied back saying, It will adjust the next billing cycle which is XX/XX/XXXX. I guess we were too close to the billing cycle cut off when the changes were made. ( see email 6 ) On Monday, XX/XX/XXXX, I sent a final email to Bank of the West that it was still not corrected and that if I had not heard from the Escrow Company, I would be placing a formal complaint. 

Which is what I am doing now 1. Bank of the West continues to not recognize I have the required flood insurance 2. Bank of the West is now deducting additional money for flood insurance I have already paid for 3. The local branch office has ceased communicating with me
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of XXXX XXXX XXXX.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020 and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party XXXX XXXX when I called XXXX the collection Agency they told me that they would call XXXX XXXX XXXX  and get it corrected Two months later XXXX they are still reporting inaccurately.
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander bank hold my current home loan mortgage. I never did business with them directly, but my lender ( loan broker sold the mortgage to them ). The interest at the time was 4.5 % in XXXX-XXXX.

Given the current low interest rate environment, I was working with another bank to refinance my loan. Santander employees called me to offer a lower rate of their own. Getting an unsatisfactory offer from Santander, I decided to continue with the other bank I was already working with. 

While waiting for completion of the refi with another bank, I was told that Santander had lost my XXXX XXXX and Lease, for which I had to pay {$600.00} out of my pocket to the building management 1. They never returned me {$600.00} 2. They didn't reply about the lost stock and lease for at least 4 months Due to pandemic, the property prices fell further and I was unable to refinance at all. Not only did I loose all the money I spent with another bank to refinance the property, but also am paying a much higher mortgage every month than what I ought to be paying at the current interest rate 3. Lot of wasted time and mental stress The above makes me think that their low ball offer and loss of stock and lease was a deliberate attempt to keep my high interest loan intact with them. The bank regulator needs to intervene and solve this malpractice
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Recently changed my full name XX/XX/2020 for religious purposes according to my faith and beliefs. Credit bureau 'EQUIFAX ' was informed several times of the update to remove previous name from the reports which they've also received ( Sent certified, tracking mail. ) numerous of copies of the legal documentation from the New York Civil Courts of approved stamped documentation thereof. 

Called the credit bureau many times to let them know, which they've mentioned on call to had receive such documentation and did informed them that I was not able to access my credit nor file is revealed to myself which update has not been processed. 

I was hanged up on many times and last time I was able to review credit report I've mentioned in certified mail accts : XXXX/XXXX ; SXXXX/XXXX XXXX ; XXXX XXXX, XXXX. ; XXXX XXXX, are reporting Unverified Late Payments which is not true to please have this updated in my file. 

They also mentioned that theres not a credit file for myself which is inaccurate as well since after myself sending dispute thereof listed, in thoughts that information of name change was complete which come to find out was reversed and never dealt with fully and ignored.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (NY)

I contacted customer service And explained Ive been adversely affected for long-term because of covid 19 financially and in addition Im XXXX XXXX XXXX and I am requested a lower interest rate closing in my account and a monthly payment plan that is possible with my dire financial situation. She directly indicated they have nothing they can do to help me in this dire situation
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TN)

This debt is originally to XXXX for {$830.00}. I have been trying to correct this with them for over a year now. Credence RM is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from Credence RM that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.