davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Recently, my loan has been transferred from XXXX XXXX XXXX Loan No : XXXX ) to Mr.Cooper ( LoanNo : XXXX ). I paid last month dues with additional principal to previous lender XXXX XXXX on XX/XX/ ( Unpaid Principal amount {$430000.00} on XXXX statement ) and i got the notice from MrCooper on XXXX XXXX XXXX When i checked with XXXX, they said that additional principal amount has been already transfered to MrCooper but its still not showing up unpaid principal amount as {$440000.00} in MrCooper loan administration portal. I reached MrCooper customer service more than 3 times from last month and not getting any solutions for this issue. I need to fix this problem so that i can pay off this month due before deadline XX/XX/XXXX. Please see the attached statement from both XXXX and MrCooper.
Consumer complaint received 2018-10-23
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: EQUIFAX, INC. (GA)

I didn't Authorize / Authorizations too view / pull credit report / open accounts in my name ( Identity Theft Victim / Equifax Data Breach ) ... 

Equifax!!!!!!!!!!!!!!!!! 
Credit Cards XXXX XXXX XXXX Last reported : XX/XX/2018 {$2900.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/2018 {$590.00} Good XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$380.00} XXXX Days Late XXXX!!!!!!!!!!!!!!!!!!! 

Credit Cards XXXX XXXX XXXX Last reported : XX/XX/2018 {$2900.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/2018 {$590.00} Good XXXX XXXX XXXX XXXX NA Last reported : XX/XX/2018 {$380.00} XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 Capitol One opened an account and pulled a hard inquiry on my credit report without my knowledge and or consent. 

On XX/XX/2023 Capitol One opened another account and pulled an additional hard inquiry on my credit report without my knowledge and or consent. 

I have been a victim of fraud and requested to set a fraud alert on my credit report good for one year.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

American car care center filed bankruptcy XX/XX/2023 XXXX weeks after leasing car. 

Was promised that windshield would be fixed. Warranty was bought in the lease to cover repairs during lease and that coverage was cancelled with no money refunded or drop in monthly payment. 

Oil changes included in lease were also cancelled. 

Lease is serviced by west lake portfolio. Eight months we made payments faithfully while waiting for them to produce title and taxes so vehicle can be registered. They can not or will not provide documentation and payment for taxes they keep saying they are working on it. They even stated that we would even have to pay for the tags and taxes over {$2000.00} but that was included in the lease.

Can not get insurance on vehicle because it is not registered to us in Tennessee.we are unable to legally drive the van. 

Account was current and we Notified XX/XX/2023 that no more payments would be made and we were voluntarily surrendering the van since they can not produce documentation and pay taxes to get vehicle registered and they need to come pick up the vehicle.

They call everyday several times a day including sundays and demand payment and threaten with legal action.

They stated the voluntary surrender of the vehicle was cancelled because we were XXXX XXXX. We have never been XXXX 

Now they state that we are now behind and they can not process the voluntary surrender until payments are caught up.

They are now stating they will begin repossession action and report it to the credit agencies unless we bring the account current.

The lease was made with American car care center but they are locked up in bankruptcy. I do not have any signed agreements with Westlake Portfolio. We have made payments to westlake because they were servicing the American car care loan per the bankruptcy court.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC (MN)

On or around the beginning of XX/XX/XXXX we began receiving phone calls from Radius Global Solutions ( RGS ) in regard to a medical bill from XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. They provided the account details and balance of {$500.00}. 

However, the balance they provided was not the last balance we had received from the original creditor. On XX/XX/XXXX we requested a statement from the original creditor and received a XXXX balance statement from them just days later. This XXXX  balance is for the same account number provided by RGS. 

Since our last payment to the original creditor had occurred just 30 days prior, we thought this discrepancy odd and disputed the balance with RGS - requesting statements/media from them to confirm a correct balance. 

We made this request on multiple occasions and emailed disputing statements to the supervisor at Radius Global Solutions. In the email I confirmed our request for media in writing, along with proving the bank statements that listed our payments towards this particular bill. 

One week passed and I did not receive any response from Radius Global Solutions. We spoke with them on the phone and they denied receiving our request for media and also stated that we were refusing to pay the balance. The supervisor called us liars and began putting words into our mouth in regards to refusal to pay/unwilling to resolve the debt. We clarified that we were not unwilling to resolve the debt and were disputing the balance and continued to request media before we could make any steps towards resolving a potential balance. 

Upon completion of this phone call I again emailed the address provided with the disputing documents and again requesting the statements/account media and again received no response.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

1. I called XX/XX/XXXX when payments restarted to get help applying for the SAVE plan. The trainee that assisted me that day was very nice but signed me up for the PAYE plan when I was requesting the SAVE. I wasn't aware of this until it got approved middle of XXXX. I then reapplied on MOHELAs website on XX/XX/XXXX for the SAVE plan. I had tried contacting MOHELA multiple times and they just would tell me it would be a few more days. On XX/XX/XXXX my application was denied. When contacting them today I was on the phone for XXXX hours and was told my application was denied as I selected to pull my loans out of deferment and that is not allowed. Mean while my friends with other servicers got their SAVE plan application approved within a week and was able to pull their loans out of deferment with no issues. I am extremely frustrated with MOHELA as everything they do seems to be a scam to get more of my money. I am in a lot of debt and while awaiting all of this to process I have accrued hundreds of dollars which is not to blame on my end. 
2. I was told if I made a payment towards XXXX of my loans to close it and selected that loan solely whatever else was leftover would be refunded to my account. I have talked to XXXX employees prior to the employee tonight that said they would process the refund. Yet the guy tonight told me it was denied due to " that not being a good reason for a refund. '' The leftover money was then dispersed to my other XXXX loans and went towards interest. XXXX of these loans being under the PAYE plan currently meaning the government is covering the interest. Therefore this money was wasted.

I have spoken with various employees of MOHELA numerous times over the last XXXX  months in regards to both of these situations and every time they tell me the conversation is documented in my file. If that is the case my story should line up completely with their documents. But, I have a feeling they wont be documented as every time I call no one knows what I am talking about. MOHELA is a complete scam and I would like to switch loan servicers as they only want to take my money. They are not there to help.
Consumer complaint received 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This is a new complaint with Resurgent for a different account. Resurgent Capital Service is a special case and is attempting to collect on a debt that I do not owe. Resurgent is stating that they are collecting on behalf of LVNV. Furthermore this is not the only creditor that is trying to collect on this alleged debt. XXXX XXXX XXXX is also in violation of FCRA, and FDCPA Laws. As soon as I got a letter from Resurgent Capital Services I sent them one myself. I sent Resurgent a letter of dispute of the alleged debt on XX/XX/2023 for validation of debt 12 CFR 1006.34 - Notice for validation of debts. I did not get any response from Resurgent regarding this alleged debt. I did give Resurgent a chance in good faith to validate the alleged debt. I really don't have to because I have disputed this alleged debt with LVNV, the company claiming ownership of the alleged debt. The problem with Resurgent is that this company is furnishing information about me without having permissible purposes according to the FCRA. This makes it an Identity theft. 
These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.
Consumer complaint received 2018-10-23
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: Experian Information Solutions Inc. (TX)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. XXXX failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Pinebrook Holdings, LLC (MO)

Saturday XX/XX/XXXX, I got on to try to change my payment date. I seen a link that said change payment or something along those lines I did it and they ended up charging me a {$65.00} payment XXXX in a few days. I emailed them from their customer service contact link wanting to change my due dates from what it is to Fridays. Their solution was to change the information into a new loan extending my payments and their interest. I told them if they can not just change the payment dates without trying to put it in a new loan gaining more interest I was done. They went against my lending rights by not allowing me to change my due dates without them trying to collect more interest payments by extending the loan. I have the email conversation saved
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-10-24
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. (IN)

I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, Equifax has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. XXXX  has the same info reporting to their bureau as well.
Consumer complaint received 2018-10-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

Bank : XXXX XXXX  ( formerly EverBank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX My CD matured XX/XX/2018. I submitted cash-out instructions for the CD on XX/XX/2018 which the bank acknowledged ( see attached ). The bank did not redeem the CD on that date or subsequent days, The bank tells me by telephone that THEY have a 10 day grace period to cash out, even though they receive the order on XX/XX/2018. The grace period is supposed to apply to the customer, not the bank. They should pay interest on the late days at the same daily rate as the CD was paying. This bank ignored my repeated attempts to communicate by secure message through their website and by regular E-mail. 

Last digits on account are : XXXX Also identified on website as : XXXX
Consumer complaint received 2023-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CAPITAL ONE BANK USA XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (NC)

XXXX XXXX, A Division of First Tennessee Bank NA has purchased insurance for my house and has sent me a bill for the insurance. I have had continuous insurance coverage for this house and I have provided proof of insurance repeatedly. The Bank does not provide an email address to track and resolve the problem. This problem has been going on for months. I have contacted my local insurance agent who has contacted my insurance carrier and confirmed that the Bank is listed properly on my policy as mortgagee and on the Certificate of Insurance and notice has been mailed as requested.
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (FL)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2018-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (ME)

Last month i filed a complaint due to Santander consumer USA debited my account for two full payments. they would not rectify in a timely manner even after i sent proof of multiple faxes, and asked for another option to send info as they were not recieving it. This month on this date, XX/XX/2018, i reached out to customer service again due to the fact they removed my ability to pay with a checking account. When speaking with customer service i was told they removed this ability due to the returned payment ( duplicate payment ) and that my ability to pay with a checking account would be suspended for 6months. This was never communicated to me in any of my dealings with customer service. I also did not miss any payments, have never missed a payment, and my last month payment was still paid, i only had the DUPLICATE payment refunded. This seems to be their company retaliateing for me filing my initial complaint regarding duplicate payment.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NV)

Back in XX/XX/2017, Navient stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

It is about the Capital one Credit card. So my statement fee is due on the XXXX of every month. I was trying to pay on XX/XX/2023 and the website would not process the payment. I kept trying throughout the day but it didn't work. In the evening of the same day, it worked and I made the payment of {$590.00} which was my statement balance. I made the payment on the XX/XX/XXXX but it got posted on XX/XX/XXXX as the payment was made after XXXX XXXX Eastern time on XX/XX/2023. 
Later they charged me with late fee and interest fee. I called them and they said they can only refund my late fee and they can not do anything with the interest charge fee. They keep getting mad if I try to explain my situation and hang up the call. 

I need to address this because it isn't my fault in any way. I made the payment but the customer service lady gets mad and talks rudely and hangs up my call.
Consumer complaint received 2018-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : Capital One Bank USA I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY