davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NY)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-03-21
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-02-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

Received an alert from XXXX XXXX that a collection was added to my account. Logged into XXXX XXXX and called the company " Midwest Recovery Systems. '' Spoke with a gentleman named " XXXX '' who asked me for my social security which i refused to give. He then proceeded to ask for my name. I provided the name and the agent said that i took out a check into cash loan on XX/XX/2013. Agent forced me to pay it by saying today they report to all credit bureaus. I disconnected the call, and checked all my bank statements from the year 2013, a check into cash loan or any payday loan was not taken out. 

I researched the company and found many reports where people have claimed this company has done the same to them and the debt was not legitimate. I am requesting that action be taken against this company and this fraudulent account be removed from my credit report. In addition, no correspondence has been sent to me and this showed up on my credit report overnight.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX  XXXX XXXX Balance : {$2800.00}.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I filed for Bankruptcy in XX/XX/XXXX and my Confirmed Plan in XX/XX/XXXX stated that I was to pay {$3500.00} in principle and interest plus property taxes and insurance for my mortgage. My original payment amount was {$6200.00} per month prior to filing Bankruptcy. After filing, I sent in partial payments approximately every 2 weeks for various amounts ranging on average from {$1500.00} to {$6000.00} throughout the years. The total paid per month usually averaged around {$5100.00}. Seven years later in XX/XX/XXXX the bank filed a Notice of Default which said that I was {$200000.00} behind in my mortgage. My total mortgage balance on my payment history said that I owed {$500000.00}. When I checked the original amortization schedule that I received when I first closed on the mortgage, it said that my balance as of that date was supposed to have been {$540000.00}. So I was actually AHEAD of where I was supposed to be with the balance. When I looked at the payment history, there were checks that I had sent that were NOT listed. When I looked at the calculations, they apparently were charging me {$3000.00} per MONTH in late fees! The reason that I made partial payments was because I had read on the internet that biweekly payments would cut the interest down and make you pay off your loan faster. They also show " unapplied funds, '' which on the XX/XX/XXXX statement totaled {$110000.00}. I would like to request an AUDIT to see if they have made mistakes with calculating my interest and if they have applied all of the checks that I have sent. I have copies of my cashiers checks. Please let me know how to get an AUDIT.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My complaint stems from not being notified about a promo interest rate period ending. I had a 0 % promo interest rate period on a Savor Credit Card from Capital One. The promo interest period ended, and my expectation was to receive a notification, either via phone, email, or letter, that the period was ending. A notification was not received and I was charged interest for a month and a half until a balance transfer was completed.

The proposed change is that credit card companies should have to provide notification of an ending promotional interest period, to bring to the attention of customers the coming rate change.
Consumer complaint received 2020-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Consumer complaint received 2024-03-21
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. (TX)

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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account Number:517805 Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. XXXX XXXX XXXX XXXXXX/XX/scrub>2/9/2022 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 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WA)

Insurance policies through XXXX XXXX XXXX XXXX that were paid via payroll deduction from a previous employer were cancelled in XX/XX/2019. The policies were : - AUTO : XXXX - HOME : XXXX - PELP : XXXX Final bills were mailed, and were paid via telephone ( at the accounting department phone number provided, XXXX ) on XXXX. Proof of payment in the form of a credit card statement is attached. Payment confirmation numbers were as follows : - AUTO : XXXX - HOME : XXXX - PELP : XXXX Despite payment, Final Notice paperwork was sent on XXXX, threatening to send to collections if the payment was not received. 

A phone call was placed to the accounting department at XXXX on XXXX. Representatives confirmed that the balance has been {$0.00} since the payment on XXXX. I insisted that I wanted proof of payment mailed to me, and case number XXXX was created. This case promised an update in four business days or sooner. Seven business days later, an email stating nothing more than " Thank you for contacting XXXX XXXX XXXX XXXX XXXX XXXX. We value your patience as we reviewed your case XXXX. Your case is now closed. '' was sent. No letters confirming the debt was paid have been received. 

On XXXX, two letters arrived from " CREDIT COLLECTION SERVICES '' stating that they are debt collectors and that I owe {$180.00} and {$65.00} to XXXX XXXX XXXX XXXX. 

As every call to the accounting department at XXXX has been met with an incompetent representative who confirms that the account is closed with a {$0.00} balance, and the escalation system has failed to provide me with an adequate resolution, I am filing a complaint here. The fact that debts were fraudulently sent to a collections agency is a serious action action on behalf of XXXX XXXX XXXX XXXX, and triggered escalation far beyond what I have been able to achieve via the accounting department. 

NOTE : the upload of files seems to be stuck at " Uploading ''. Contact me via email for the PDF files.
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: VIRTUOSO SOURCING GROUP, LLC. (HI)

Vrituoso Sourcing Group has been calling me almost every day and a lot of times between XXXX and just before XXXX. 
On one of the instances, I answered the phone asking if they knew what time it was. One time I waited for an answer and was told that it was XXXXsomething. I replied that that it was XXXXsomething and hung up. The number is showing as XXXX, MD. The 3 hour time difference shows that theyre calling from the West Coast and not the East Coast. Im in Hawaii. On XXXX-XXXX-19, I called the number back and informed them that I was going to report them for harassment and calling too early in the morning. The woman said that there was nothing wrong or illegal about calling that early. While I was trying to speak, she talked over me saying that she would remove me from the list and hung up on me.
Consumer complaint received 2020-02-27
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. (AL)

I disputed the account with the credit bureau and it came back as verified as accurate when it is not.

The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  The amount is {$370.00} and they are saying that I still owe {$140.00}. It says it is charged off as a bad debt. Of course, I did not pay this because it is not my debt.

This account is not mine. It may be someone that has the same name and birthday, but my address and name are not associated with this account and it was opened without my knowledge or consent. My social security number was compromised.

I asked them to remove it and they refused.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

Fay Servicing is my new mortgage company that took over from my last mortgage company. ( XXXX XXXX ) The mortgage payment was fixed at being XXXX per month for the life of the loan and the amount owed was XXXX which I paid biweekly. However the payment is close to XXXX in now paying XXXX dollars every two weeks and the whole amount owed is XXXX where did the extra XXXX come from. No clear answer for this.
Consumer complaint received 2020-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Today ( XX/XX/20 ) I called XXXX  to address a response i received in the mail to my dispute. I spoke with XXXX  id # XXXX she informed me that XXXX  doesn't do independent investigations they only send our disputes to the creditors to be verified by them. im sure this is true but also a violation of my rights. 
on my credit report almost every account has inaccurate information. i have sent two letters to XXXX  and included the inaccurate information from my credit report.

i have 2 accounts that have been grossly re-aged. I have accounts that show different high credit amounts across all 3 bureaus. I have accounts that i do not recognize also.
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

To whom it may concern : I have a Capital One 360 checking account since XX/XX/2018. Unfortunately I had a situation where a person cashed a check for a service that was not rendered. I reached out to the person but I haven't heard anything and I suspect I became a victim of fraud since she won't return my money. I contacted Capital One and they couldn't do anything for me, even try to get that money back for me. I relied on this bank for some time and now I lost my money because of their poor controls since they never flagged this transaction as suspicious or reached me out about the particular.
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

On XX/XX/XXXX, I went to the emergency room at XXXX XXXX Hospital in XXXX County VA. In early XX/XX/XXXX, I received a bill for over {$3000.00} for services from XXXX XXXX XXXX ( XXXX ). 

My medical insurance provider told me not to pay the XXXX bill as it was a double-billing issue. XXXX sent the billed amount to a debt collector in XX/XX/XXXX and the amount in dispute was listed on my credit report as a collections. 

The issue was not with my medical insurance provider but with XXXX. XXXX was attempting to collect an amount not owed by me. My medical provider stated that XXXX was contractually bound to accept agreed upon payments for services rendered and nothing more.

I feel that there is an on-going fraudulent business practice by XXXX by trying to collect additional dollars for services covered ( and paid ) by medical insurance providers.

XXXX finally accepted payment in late XX/XX/XXXX by my medical insurance provider but not before I was hounded by dept collectors and a negative collections account was placed on my credit report.
Consumer complaint received 2020-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (CA)

On or around XX/XX/2020, XXXX BBVA bank in XXXX accepted a wire transfer from my account ending in XXXX in the amount of {$20000.00}. On XX/XX/2020 XXXX BBVA accepted a second wire transfer in the amount of {$23000.00} from the same account. Both wire transfers were fraudulent. I have attempted to contact this bank, but they have no option for customer compliant and/or fraud to be from an international individual.
Consumer complaint received 2019-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

I signed up for income-based repayment and have provided all the necessary information. I have been on a salary for 5 plus years and nothing has changed, yet they increase my payment every three months. Navient will not work with me and will not listen to when I  tell them just because I am a business owner, my K1 form for taxable income for a business profit IS NOT income that I actually receive I just have to pay the taxes on it. Then one loan with the co-signer ( XXXX XXXX ) filed bankruptcy and in her bankruptcy paperwork, it had navient in there as one of the loans that would be paid off through payments received from bankruptcy. Navient repeatedly incorrectly applied those payments to my other loan that she was not the cosigner on. The bankruptcy paperwork indicated that it would pay that loan off in full and it did not. I can not seem to make them understand that I have no change in income and that what the business makes DOES NOT change what I bring home monthly. I feel like going to college was the biggest mistake of my life.
Consumer complaint received 2023-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

Please we need your help because we already pay every month my mortgage. And BSI down my credit score and make me paid over my mortgage and put my house in foreclosure This mortgage company abused my family financially that started XXXX XX/XX/2021 to XXXX XX/XX/2021 BSI said we dont do the payment for these months we did we got prove we pay
Consumer complaint received 2020-02-27
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. (MO)

I applied for credit card so i can help my mom and I was denied. I checked my credit and its accounts on there I know nothing about. Please remove these from my credit Account with no name account # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, XXXX  XXXX, XXXX, XXXX. Its inquiries as well that I again dont know where they come from XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police department.
Consumer complaint received 2020-02-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (GA)

The CFPB has already successfully had a case against OcWen. They did the same thing to me in 2010 and I just lost in federal court against them. They lied and used subterfuge, ignoring all they did to try to unjustly and fraudulently foreclose, attempt and threatened to foreclose on the property in question. We were XXXX XXXX XXXX  XXXX customers when the company was shut down and our mortgage farmed out XXXX, a subsidiary or OcWen. They tripled my mortgage, collecting escrow not due and not allowed by the original loan, refused my regular payments or paid escrow amounts not due without applying payments to mortgage, caused a huge escrow to be due without correcting account even with repeated attempts by me to correct it and sending documentation. They then repeatedly sold the loan to subsidiaries within the OcWen company, each time adding more and more fees not due, refusing payments and refusing to correct account to allow me to make my mortgage with timely payments as I had always done without fail. After 6-12 months of this and publishing foreclosure action notices repeatedly in local newspapers, I had to seek an attorney. We filed suit in state court, it took OcWen 3 yrs to reply to discovery and they have dragged this case on for years, forcing it into Federal court where they historically are at an advantage, unless you have exemplary counsel which I can not afford, nor have I been able to afford. They have taken advantage of my lack of money and lack of good counsel repeatedly. I am going to be homeless without help and I had never missed a payment, always paid taxes and insurance. I was attacked and had my home stolen by a multinational company with bottomless resources which I am not able to fight. I need someone to help me.
Consumer complaint received 2019-01-28
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: CITIBANK, N.A. (PA)

I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report for fraud and identity theft but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.
Consumer complaint received 2019-01-28
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: WELLS FARGO & COMPANY (PA)

I had my information hacked and accounts were opened in my name without my authorization. I have filed a police report but its a very small town that i live in and so i only have the incident number. incident # XXXX for identity theft/fraud. XXXX XXXX police. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies in question acknowledge the fraud has been filed but say that i still owe the money. I've tried to got the bureaus for help but the company in question has only verified the accounts and not removed them.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.