davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-13
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. (NV)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-11
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. (SC)

I am XXXX  my identity was stolen XXXX XXXX  refuses to close those accounts .... they are constantly calling and reporting on my credit and other peoples credit its fraud the police report was submitted
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc (WI)

My wife and I build our home about 12 years ago, and we had a 30 year mortgage. About 2 years ago, we lost a job, and needed to refinance our mortgage. This company came along and said they would be able to lower our payment. What they didn't tell us is they were going to lengthen the term of our loan. Now in XX/XX/2018, we have a 40 year mortgage, and my wife and I are in our mid-late 50 's  and will be in our 90 's when the mortgage is paid off. We were never told this would extend the length of the mortgage from a 30 year to a 52 ( 12 years of house payments plus a 40 year mortgage ). This is outrageous. 

We are in a little better financial position, and would be willing to up the payment, but can not buy into a mortgage that will end in our 90 's. 


And now I found out we have an outstanding balance of {$12000.00} against our home. We have made all of our payments, a couple of them have been late, but they have been made. This has sent our credit rating way down, making it impossible to get ourselves out of the mess.
Consumer complaint received 2019-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a CapitolOne credit card holder. I drove over 50 miles to a CapitolOne Cafe from XXXX County, Fl to the City of XXXX XXXX, Fl in XXXX XXXX County on XXXX XXXXafter XXXX to pay off my credit card. I placed {$260.00} ( XXXX {$100.00} bills and XXXX {$20.00} bills ) in cash inside the ATM. Three days later, I checked my account and it said that I still owed {$270.00}. I contacted a CapitolOne dispute agent and he said it would take up to 10 days to investigate. On XXXX XXXX, I contacted CapitolOne and the agent said that I would be credited for the payment but it would take up to 30 days for the investigation to complete.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My previous complaint with Portfolio Recovery Associates, LLC, complaint # XXXX is still showing up on my credit report as a NEGATIVE account. One has been corrected, but there are still accounts from this complaint that have not been corrected. This is reflecting negatively on my credit report.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX, XXXX, XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX, XXXX, and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
Consumer complaint received 2018-10-15
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: First Data Corporation (PA)

On multiple occasions from XX/XX/XXXX to today XX/XX/XXXX telecheck  has incorrectly reported my personal check writing history to multiple retailers including : XXXX XXXX ( 6 seperate visits ), XXXX ( 3 seperate stops ), and XXXX  ( 1 stop tonight involving two transactions with two seperate checks written by me to retailer ). Each occasion telecheck has denied authorization of 10 seperate checks belonging to two of my accounts one a business checking account and the other a high yield investors checking account. The only grounds for denial being that they have zero history of me writing any checks in the past, which is incorrect as I wrote personal checks from my XXXX XXXX and XXXX checking accounts to my landlord for rent every month from XX/XX/XXXX to XX/XX/XXXX ; all of which were cleared without issue by my landlord. The two payments made tonight were actually authorized with the checks both franked and processed as authorizations, clearly showing an authorization frank on the signature line on the back of both checks and no mark or indication on the back of the check showing denial of payment. The register for both transactions at XXXX  still came up as denial of payment by telecheck which was completely contradictory to what the check itself reflected. I then call the authorization phone line and am told that they were going to decide how much I am allowed to spend out of my own accounts with my own checks, which was a slap in the face at the very least and that I would have to calll the department that handles those issues in the morning tomorrow. All of this during my endless work in repairing my credit and taking my own business to the next level, most of which starts with making these much needed purchases mostly equipment in order to effectively sky rocket my corporation in its infancy. It seems as though telecheck and many other financial institutions/ merchants are purposely attempting to pull the rug out from under me at the most critical portion of my entrepreneurialship at 2 years and 3 months in business. I feel as though I am being completely discriminated against on the grounds of Ageism and My high level of knowledge and intelligence and it has literally put myself and the business in a crippling financial stalemate that could make or break a tremendous enterprise.
Consumer complaint received 2017-09-09
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. (AZ)

XXXX was hacked and failed to notify consumers. I was a consumer that was impacted by this hack. Managers sold stock before notifying customers. Unacceptable. My private information has now been shared with the President 's best XXXX buds.
Consumer complaint received 2017-09-09
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. (CA)

Equifax compiled my personal and confidential financial information, and the information of millions of others. Equifax had a duty of confidentiality regarding this information, to keep it safe, as consumers are not able to " opt out '' of Equifax in this modern financial era. 

Equifax breached this duty when they did not take measures to ensure they were not hacked. Equifax was, in fact, hacked, breaching their duty of confidentiality ; names, Social Security numbers, birthdates, driver 's license numbers -- all were made available to criminals due to Equifax 's negligence in not providing sufficient security when there have been recent hacks into the financial files of many large companies. Further, Equifax withheld informing consumers of this hack for an unreasonable amount of time. 

Upon checking Equifax 's webpage, I received the following notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2018-10-12
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. (FL)

I submitted a dispute with Experian via mail regarding account name : XXXX XXXX XXXX XXXX, account # XXXX ( see attachment. ) I received the dispute results dated XX/XX/XXXX ( see attachment. ) Upon review of the dispute results, there is a major inaccuracy. The date of 1st delinquency is incorrect. Upon pulling a previous Experian file from XX/XX/XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 14 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Experian has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Experian credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Experian reports.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (AZ)

On XX/XX/2018 I went to the assigned U.S. Bank Branch, Surprise, AZ XXXX to withdraw the usual {$740.00} from my XXXX XXXX XXXX Account ( early Direct Deposit monies ). 

XXXX XXXX only allows {$750.00} cash deducted daily so that is why I deducted {$740.00} as money has always been paid in {$20.00} bills. I have done this for four years, however, on this day the bank started using {$50.00} bills -- I only received {$540.00}. 

Immediately I ran into the bank with my {$540.00} to complain. Even opened up my XXXX Online XXXX Account which did show a {$740.00} deduction. The Bank 's manager, XXXX XXXX said there was nothing they could do, that I would have to contact my own bank. I did call XXXX XXXX from the U.S. Bank lobby and filed a " dispute. '' I was told the money could be replaced within 10 days and then up to 45 days to investigate. Ten days later XXXX XXXX sent me an email and informed me it would take until XX/XX/XXXX to investigate -- I did not the {$200.00} as promised. 

So today, XX/XX/2018, XXXX XXXX sent me an email that they investigated and that the account stands -- I am out {$200.00} with no recourse! I did call U.S. Bank and asked XXXX XXXX, the manager to call me back. She did not.

Bottom line, I am a Senior Citizen trying to live on my monthly Social Security check. Believe me I can not afford a {$200.00} loss. I have used both these banks for four years now and have never filed a complaint before as I always received the {$740.00} cash amount for rent and monthly expenses. XXXX did say there could be a " glitch '' somewhere. Guess so. Would be easy for cash handlers to take four {$50.00} bills for a total of {$200.00}! 

So what can I do? I did contact our local TV stations and their Consumer Affairs departments. This can not be allowed to happen. I am hurting financially from this loss.
Consumer complaint received 2018-10-10
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)

Experian, XXXX, XXXX XXXX  reporting illegally aged account.

XXXX XXXX XXXX  XX/XX/XXXX TRUST These agencies all show a loan from XX/XX/XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX within the past few years.

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt.

But XXXX XXXX re-aged the debt to XX/XX/XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report.

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
Consumer complaint received 2018-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-10
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: Risecredit, LLC (UT)

XXXX is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu  will not be able to provide proof with my signature because I have never done business with them. 
THis is fraudulent & XXXX  is the only bureau reporting it with this company. Its erroneous!
Consumer complaint received 2018-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I paid to this collection company CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. {$340.00} back on XX/XX/2018. Later on they send a report to my credit agency without notify me. The credit report agency send a notification that a new account was report without any writing notification to me. the new balance is {$370.00}.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

To : Consumer Financial Protection Bureau My name is XXXX XXXX and I would like to file a complaint. I have been blind-sided by a company named XXXX XXXX XXXX. Unbenounced to me I have started being garnished for a bill that the XXXX XXXX XXXX XXXX paid for me aroundXX/XX/XXXX - XX/XX/XXXX. These bills that they are trying to collect on are 20 years old and most importantly, have already been paid by the XXXX XXXX XXXX XXXX. In addition, I am being garnished by a company I know nothing about. This Midland company came out of nowhere and started a case against me that I just learned about three weeks ago when the garnishment started. I have not received any communication ; no phone calls, no mail correspondents, etc. But my main complaint is I dont owe this bill that they are trying to collect on. 
I have done some of my own research and found that XXXX XXXX XXXX has several names and several lawsuits against them for illegal business practices against consumers. Is this company a fake, are they scan artists, or are they just getting away with stealing money from consumers. I WANT MY MONEY BACK THAT THIS COMPANY HAS STOLEN FROM ME! And how is it that they have lied to my employer and got pass them to garnish me on a fake claim. 


XXXX XXXX XXXX
Consumer complaint received 2018-10-11
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. (PA)

I applied to get a personal loan through my bank. I was declined due to bad credit. When we reviewed the credit report we saw that the company Experian had my credit report and my fathers credit report mixed up. We have the same name but different middle initials. Obviously we have different Date of Births, different SS #. I have tried with my bank multiple times to have Experian correct this but they have done nothing thus far. When I spoke to them on the phone last week they said everything had been corrected. A week later ( TODAY ) I called and they said that it took 72 hours to process. It has been a week. So it would have processed. They said that the paperwork would be at my house in 8 days. But I could go on the Experian website and print my new credit report out. When I went to do that I discovered that my credit score had dropped 200 POINTS ( IN A WEEK ). Also noticed that everything that they said they were taking off and correcting on my credit report had been unchanged and was still showing up. This is effecting my life dramatically and all I want is for them to fix this issue. Which is obviously incorrect. I was born in XX/XX/XXXX and the report says I was born in XX/XX/XXXX? I live in XXXX XX/XX/XXXX and it says I live in XXXX. Everytime I call Experian I get transferred from department to department. I always end up spending at least an hour on the phone and they never accomplish anything. I do not understand how this company is at all still reputable. Please help
Consumer complaint received 2017-09-08
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. (CA)

Equifax ( a company I never directly engaged with ) has obtained large amounts of my personal information and mishandled it by not implementing effective defensive cyber security tactics and left certain critical pieces of their public facing web infrastructure in a vulnerable state. 

These ineffective security practices have been exploited and have put me and over 100 million other people at risk of fraud and identify theft that can cause meaningful harm.
I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I find their offering of a single year of credit monitoring and protection to be ineffective, as the stolen data can be used at any time ( far longer than just for one year from when it was stolen ) and can be used in a damaging way against all affected people forever.
Consumer complaint received 2018-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

on XX/XX/2014 you went online applied for loan with XXXX XXXX was approved for the loan amount of {$5000.00} XXXX XXXX dollars, was not payments would be taken each time was paid this created a big problem because it made it difficult other bills scheduled for the month.Tried to resolve this initial problem by requesting that payments to be taken only once monthly this never got resolved.XXXX XXXX never changed there position based upon my call for change in the payment structure.we restricted payment on the account by sending moneys via certified certified however moneys were never applied for some reason.funds never transferred out of my account showing payment made, again problem never resolved.When i decided to put a halt to this whole matter by by going to a family member to borrow the money to just pay this loan back minus the payments made totaling {$3500.00} already paid i was told that none of this money paid was applied to principal and my total amount due was over 10,000 I was floored and felt trapped
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I am currently in foreclosure at the beginning of this process I hired an attorney with the intention of keeping my home. We were offered a favorable loan modification that would allow us to keep our home. The only issue is we were not informed of the offer until it was way too late to accept it. Once I learned this I immediately began trying to contact our loan servicing company : Ocwen Loan Servicing, LLC XXXX. XXXX XXXX XXXX, TX XXXX-XXXX XXXX XXXX ) XXXX I submitted all the loan modification paperwork including all documentation that was requested. I then called every few days to see the progress of the application. I was informed about a week later that the application was denied. Even though I tried explaining that we were offered a loan modification but that my prior attorney had not informed us until after the offer had expired. I was told to appeal which I did and the appeal was denied as well. We are now dangerously close to losing our home as the foreclosure proceeding are nearing the end. I then emailed the only executive email I could find. For the prior CEO of Ocwen hoping that someone at the executive offices would assist me XXXX XXXX XXXX I received an email back the next business day informing me that my point of contact would now be Specialized HRD Escalation Agent, XXXX XXXX ( XXXX ) XXXX. XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday XXXX XXXX XXXX XXXX ET Ocwen Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX I have tried calling several times all with no response. PLEASE HELP MY FAMILY KEEP OUR HOME
Consumer complaint received 2018-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery calls my family members, including XXXX year old child with a non published number. They say that they are trying to reach me before they issue a warrant for my arrest and that if my family member would like they can pay the amount to prevent me from going to jail.I have called the number back and requested debt validation.I never receive anything, no calls for a couple of months, then it starts all over again.