davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NCB Management Services Inc. (MN)

A representative from XXXX XXXX XXXX contacted me in regards to a debt owed from the creditor XXXX XXXX XXXX, XXXX. I told the representative that I am a victim of identity theft and the representative stated to me, he did not believe me. I hung up the phone and the representative continuously called me backed and harassed and verbally abused me by swearing at me telling me, I owed the debt and start telling me I will be arrested if I do n't pay this debt. The representative is in violation of Minnesota debt collection laws and The Fair Credit Reporting Act.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I went to get myself a Checking account and was told by the bank that ChexSystems had a fraud alert on my social security #, I immediately requested my report from Chex Systems. Exactly a week later I receive a report that is scrubbed of ANY identifying reported information. None of the sections in the report held anything besides the inquiries section. The cover letter however put together some excuse stating that " a discrepancy was discovered that associates the Social Security # you have provided to us with another individual 's account information. Therefore you file has been forwarded to the appropriate personnel for handling. We will contact the source of the information to request that they investigate the accuracy of the SS # ''. This of course removes my right to dispute the reported information because my report was scrubbed removing ALL reported information that had them flagging me as a Fraud. I do n't even get the ability to know who the reporting institution was to check with them. To me it seems ChexSystems now can have their " investigation '' take as long as they need and does n't allow me the right to dispute since their is nothing on the report to dispute. Seems to me this agency is NOT adhering to the FCRA, not to mention the emotional distress this caused, the loss of the {$200.00} incentive from opening the account and the time that was wasted I took to open the accounts.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (CA)

I had a business account with XXXX XXXX XXXX XXXX. Asked XXXX XXXX XXXX to close the account and send me invoice for balance because I transferred to XXXX XXXX. XXXX XXXX XXXX never sent me an invoice. They sent it to collection without sending me an invoice or notice. The collection agency the balance was sent to is called " Diversified Consultants ''. Diversified Consultants never sent me an invoice or notice stating my account was in collections. Diversified Consultants reported the collection to the credit bureaus. I was never given a chance to pay the balance. I have never had any issues with making payments as my track history can show. Very difficult to get the collection agency to understand.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I obtained a home mortgage through XXXX several years ago. My mortgage was recently sold to Nationstar mortgage. I received a notification by mail that Nationstar will share my personal data such as my social security number and income, my account balances and payment history, and my credit history and scores with other business for marketing and information purposes and I can not opt out. This is a company that I did not choose to do business with. I do n't want my personal information shared by a third party. I do not believe that this should be allowed. Please advise.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

I submitted complaint after I paid XXXX late fees and balance show up on my account to Provident Funding www.provident.com about why I have XXXX late payments fee after I travel out of town. No response to my complaint. I thought that I paid on XXXX XXXX I should be fine by now as soon as I pay on time from now on ( I even just paid the XXXX late fee ). But today I login my account to pay for this month Mortgage and find another late fee show up again. 
The account say payment is due on XXXX XXXX, 2016. I call them they told me that they ca n't do anything about the late fee. I paid it and printed the confirmation. Now I try to see what will appear on my account now? Even though I get confirmation from their website saying I have paid and transaction completed, it still show payment is due on XXXX XXXX, 2016 and it says YOUR SUBMISSION PROGRESS : INCOMPLETE. I am afraid that they will charge me late fee each month even I pay in time each time.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I contacted Capital one late XXXX to complain that a credit card I had that was discharged during bankruptcy I filed during XXXX was discharged at that time. I was contacted by phone and in writing that this was an error and the item ( Capital One Credit Card charge off ) was removed from my credit card. I received notification in XXXX of XXXX that Capital one has once again " re '' reported this to the credit reporting agencies. This has caused me to pay deposits, turned down for lower interest credit card offers and made it impossible for my borrow money to make home improvements to sell my home. See below for how these accounts have been reported to XXXX. XXXX and XXXX are reported in similar fashion based on my understanding of reports ( see below ). 


CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 Section 602.A states I have the right to privacy.

15 U.S.C 1681 Section 604. A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (NC)

I noticed Credit Collection Services on my account when I was denied credit in XXXX of 2015. I disputed this debt with the credit bureaus and I sent a letter to this collection agency requesting validation of the said debt. I never got a response back from them and they continue to verify this debt as mine to the credit bureau which is a violation of the FCRA. I can not make them give me this information but I can certainly report them for reporting it without proper validation. This mark on my credit has caused me damages and if not resolved immediately I will take necessary action.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-29
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. (DC)

I've been trying to remove a charge off account as soon as I turned XXXX and was able to look at my credit report. This account was supposedly opened in XXXX of 2022, but I was a minor as I was XXXX XXXX XXXX. I didn't open this account and after months of disputes It has become increasingly hard to have this removed from all of my credit reports. My credit is terrible and I'm even having trouble just trying to get a secured card. Please I'm at a loss of where I can continue from here, I really need some help. Thank You!
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I pay my monthly balance to Capital One in full each month. Each month they hold my available credit anywhere from XXXX days after receiving my payment. This month, I made the payment, then asked when funds would be released off of their hold. I was quoted XX/XX/XXXX. After checking my account today, this is n't the case. Contacted Capital One again, and now in the period of the last 3 days they have changed the date my funds would be available from XX/XX/XXXX to XX/XX/XXXX and now XX/XX/XXXX. They flat out lied to me, and then tried to cover it up. They claim that funds are held " At random '' but this occurs on my account every single month. When you try to get an answer they dodge the question and disconnect the call and/or chat session.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

With CapitalOne Bank I have wasted a lot of time during the last 4 months ( since XXXX/XXXX/16 ) while trying get back my money that a merchant stole from me. CapitalOne just keeps putting me through hassle again and again - by making me talk with its reps on the phone, fill out endless paperwork as a formal dispute, explain it all over again and again ... I have already filed a claim with XXXX before on this matter. All useless. The disputed amount keeps being refunded on my credit card and then rebuilt/charged back. I am not going to talk it over here again. Now, my resolution offer is as follows : send me a CHECK on DOUBLE disputed amount. Period.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one placed XXXX previously removed accounts on my report. Both accounts were closed in 2010. Both were sold to debt collection agencies. Captial One re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a, " credit balance refund check. '' On XXXX/XXXX/2015 I received a check from Capitol One for {$2400.00} and notification that my account was closed. 

On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a " CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another " Adjustment '' I apparently now owe Capitol One {$6000.00}, 2 months after closing my account and receiving a " credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected, I do not know what to do and need help.
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

My Servicer Ditech Financial ( my servicer ) initiated a non-judicial foreclosure with XXXX and stated that the XXXX was the owner of the loan. Back in XXXX I was in direct contact with an executive at the XXXX and stated that they did not own the loan or the property. Now 2 years later they are advertised as owning the loan Also per Georgia XXXX is suppose to advertise the sale for 4 consecutive weeks PRIOR to the sale date. They started advertising the sale on XX/XX/XXXX and the sale is scheduled for XX/XX/XXXX ILLEGAL ACTIVITY nor did they allow me the time to dispute the debt prior to the 30 days applicable per federal law BEFORE advancement of collection and 4 consecutive weeks of advertising prior to the sale state law ILLEGAL ACTIVITY Also I dispute all parts of the debt and I need Ditech to send all documents that prove XXXX owns the loan and I owe XXXX to the servicer
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group (CA)

This debt is a workmans comp claim from a work related injury. These collection agencys insert this on my credit file damaging my credit, then send a letter about the debt. As soon as i respond showing the verification they provide clearly states workmans comp claim, along with part of the judgement naming the DEFENDANT liable, they sell this debt to the next collection agency for them to do the same thing. This has been disputed 3 times and removed but the damage is done to my score. They break the law by inserting before communication to damage my score. They are trying to collect a debt I am in no way liable for.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I have an Escrow overage payment owed to me from my mortgage company, Ditech Financial, who refuses to send me the money because my account with them is past due. The overage comes from their Escrow Cushion. They are telling me that I can not withdraw from my escrow, if my mortgage is past due. An overage is no longer a portion of Escrow, once it 's declared to be, overage. I am asking Mortgage Servicer to simply move my overage funds to the unapplied funds account, that way I can use it to help catch up on my payments owed toward my mortgage. The fact that they wo n't either return my overage money or shift it in a way so that I can use it to pay my overdue balance down, seems like a way for them to keep my money and push my home into foreclosure status. Please help. I just want my money allocated towards the mortgage payment.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (FL)

Ref : Refinance Loan on XXXX XXXX, 2015 : This is an Formal QWR PMI bait & switch Complaint against " Ditech '' Ditech Financial LLC, XXXX # XXXX, A- Incomplete QWR and Fraudulent PMI Document ( Bait & Switch ). 
1. I received from first lender XXXX the original PMI a XXXX at closing XXXX XXXX, 2015 a document that specified XXXX of XXXX pages, but was ONLY given page XXXX of the XXXX pages. I was told by loan originator XXXX XXXX 's staff the PMI payment document reads the PMI can be cancelled after 2 years if no late payments and if the ( L/V ) Loan to Equity Value is enough to get 78 % loan to value ratio then the PMI cancellation application can be applied within a two year period. 
2. When I applied for an application form Ditech, they did a ( Bait and switch ) and submitted a totally different XXXX PMI document and has denied the PMI can be cancelled in 2yrs and Ditech NOW claim the PMI can ONLY be cancelled in the year XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCIAL SYSTEMS is collecting a debt for XXXX from 2011. I have never received a bill from commonwealth or XXXX i have requested documents requesting information in regards to original collector but have not been provided any information. I was advised that they dont have any information accept the name of the hospital not the location of the hospital, name of doctor nor a phone number for the particular hospital or doctor. I have confirmed with my insurance company they do not have anything on file of that nature. i have requested from Common wealth and the XXXX credit b. for proof of the original bill which nobody will provide me. XXXX closed out the debit however XXXX denied my request and adv me to contact the debt collector for more information however they are not providing anything either. I still have not received any bill with any information from Common Wealth or written communication nor phone calls prior to affecting my credit, I had to call them when i noticed my credit score dropped. They did not provide me an account number either.
Consumer complaint received 2023-07-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-01-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WELLS FARGO & COMPANY (MI)

I have a private student loan with Wells Fargo that is currently in their collections department. I have tried with great effort to pay on this account and to bring it current. XX/XX/2016 I applied for a financial hardship forbearance to help reduce or delay my monthly payments and was denied. On XX/XX/2016 I called and spoke with a Wells Fargo representative ( employee ID # XXXX ) with my concern over my past due amount and monthly payment amount. I asked her what I had to do to bring my account current and be eligible for a forbearance. She told me that if I made three consecutive payments of {$70.00} they would be able to place the remaining balance due to the end of the loan, bringing me current and granting me a forbearance. I made payments of {$70.00} for XX/XX/XXXX, XX/XX/XXXX and XXXX as they requested. I even called Wells Fargo XX/XX/2016, to confirm payments made and that the agreement we made was still in place and they ensured me it was. The XXXX payments were paid on time. ( however they still charged me late fees ). On XX/XX/XXXX and XX/XX/XXXX I called Wells Fargo to discuss the position of my loan, preparing to have it brought current and a forbearance be put in place. XXXX Wells Fargo representatives that I spoke with acknowledged the agreement they had made with me on XX/XX/2016 however, they would not work with me on a forbearance or bringing the loan current. They absolutely refused to help me. My income is approximately {$1500.00} a month. My living expenses alone account for almost 75 % of that. My loan amount with Wells Fargo is {$7200.00}. I am not looking to dismiss the loan, I am only looking to cease payments for a period of time or lower my monthly payment to one I can afford. I am concerned about this loan and how it continues to affect my credit. I would greatly appreciate any help and/or guidance with this situation. Thank you