davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CMG MORTGAGE, INC (NV)

I recieved an email from my Mortgage Lender ( CMG Financial ) that my forbearance plan is in effect since XX/XX/2021 as approved with consultant from HUD Counselor over the phone. 

While on XX/XX/XXXX I contacted CMG Financial and asked them why they were still reporting my credit and they notified that my forbearance plan ended which was done without my consent I called again on XX/XX/2021 they reinstated that my forbearance is effective. 

I feel its not fair to be reporting my credit especially if my forbearance plan was in effect since 2021, I want to emphasize that I am protected under the CARES Act and this should not be reported to my credit. 

Thank you for you time and attention to this matter.
Consumer complaint received 2023-12-11
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. (NJ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding Inaccurate and unknown addresses on my credit report I have not received a response yet And I do not know why. I feel that the credit bureaus ignored my letter requesting that all Inaccurate address to be taken off my credit report. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (GA)

Late in XXXX, I received collection calls and letters from First Credit Services , Inc. alleging that I had a past due balance of {$54.00} with XXXX XXXX I previously had paid a portion of the {$54.00} and attempted to terminate my XXXX membership via email as well as via XXXX XXXX website. In response to my efforts to cancel my membership, I received a subsequent email indicating that my membership could be terminated only by visiting the XXXX  location in person or by sending a letter via certified mail canceling my membership. Meanwhile, the email informed me that charges would continue to accrue. After receiving this latest email, I contacted XXXX XXXXXXXX directly ( the XXXX XXXX  name was XXXX XXXX on XX/XX/XXXX, to determine how to resolve the collection dispute. I was informed by XXXX that I could pay {$19.00} to resolve the outstanding balance and cancel my membership immediately. I paid that amount as well as confirmed cancellation via certified mail return receipt letter the same day ( and received confirmation of receipt by XXXX  XXXX ). Nonetheless, since midXXXX XXXX, I have repeatedly been contacted by First Credit Services , Inc. alleging that I continue to owe an outstanding balance of {$54.00} to XXXX XXXX. I have provided documentation regarding full payment to both XXXX XXXX and First Credit Services , IncXXXX, yet I continue to be contacted. I've exhausted all efforts to resolve this matter other than filing this complaint.
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (CA)

Found out in my credit report that I have some trying to collect a dept bill that I dont know in the amount of {$1800.00} on XX/XX/2022 by XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (PA)

I had an account with Wells Fargo that was overdrawn. I moved during Covid to another state and lost track of acct thru Wells Fargo. I received a letter that said I owed {$2200.00}. From what I have no idea. Went into my local branch on XX/XX/2022. Sat down with manager that researched my account with Wells Fargo. She confirmed I owed {$360.00}. I paid immediately in cash. Have the receipt. The manager said this would be off my credit report within 30-60 days and hopefully I will be able to open up a checking account with any bank in the near future. Because of this Wells Fargo account I am constantly denied anytime I try to open up an account at any bank. I currently do not have a bank account. This is still on my credit report and I got a recent letter saying I owe {$2200.00} again
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXXs # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Consumer complaint received 2023-06-08
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. (ME)

I have tried a number of times to submit all the information I have that this was fraud and contacted each company like they have suggested and the companies will not do anything. So I am asking again please remove the fraudulent activity on my account. 

Or I will continue to file complaints against your company until it is resolved wither its the 2 year limit or you get tired of dealing with these complaints. Your Choice.
Consumer complaint received 2021-03-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc. (FL)

In XX/XX/XXXX, I initially reached out to Preffered Collection & Management regarding a {$100.00} medical collection that is not mine and was the result of identity theft. I sent them the official FTC report verifying that my Identity had been stolen and that the debt they were attempting to collect was not mine due to this theft of my Identity. They responded by saying that I needed to submit a police report that detailed the identity theft in order to have the debt removed. I work a very busy schedule with very long hours and was unable to immediately get to the the police department to get this report. This is why I was unable to provide the report when they initially requested it. I truly dont understand why this was necessary when an FTC report was submitted. However, on XX/XX/XXXX, I filed a complaint against Preferred Collection & Management. The complaint included the police report ( that they requested in XX/XX/XXXX ) and the FTC report. As a result, the removed the debt, but it then reappeared in my credit report without any type of prior notification, which is illegal according to the FCRA. I really dont understand why this erroneous debt, that obviously is not mine, is still appearing on my credit report. I have provided all the documentation that they requested and it is still there, even after deleting and illegally re-inserting. I just want this account removed once and for all. As the victim, i should not have to jump through all these hoops and go back and forth with the company to permanently removed an account that is not mine and that I have provided legal documentation to support. I know their previous feedback stated to contact them, but, honestly, i dont understand WHY I need to contact them when they have all the I do and documentation necessary. This is a headache and is causing me XXXX and really stressing me out.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a forgery case. I made/wrote a check through my bank account with Capital One ( to Person A ). The check was sent ( to Person A ) via mail/USPS and it got intercepted. The person who intercepted my check ( Person B ) cashed my check at a XXXX XXXX XXXX for a big amount which I would expect XXXX XXXX together with Capital One to follow security protocol and not just release a big amount of money to any individual. I filed a claim with Capital One on XX/XX/2022. We are about to hit 3 months and neither has XXXX XXXX nor Capital One have made me whole again. I have provided all the documentation that XXXX XXXX has requested ( Affidavit of Person A testifying that they never received my check nor cashed it, A letter of Circumstance, a Police Report, Texts, photos, emails ) through Capital One 's Investigator and I have not received my stolen money back or made whole again. I don't understand how my hard earned money was given to the wrong person in a few minutes, yet I have to work hard, provide evidence, and wait for almost 3 months and I still don't have my money back. To top it off, XXXX XXXX has a bad reputation and bad background when it comes to handling money and stealing from their customers - I don't understand how they are still able to conduct business with such history. All I want is to be made whole again as this situation has not only made me sick/ill with stress, but I have missed on the opportunity of using my money for projects I had already planned for. I would like that both Capital One and XXXX XXXX be contacted and requested to make me whole again as soon as possible.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (LA)

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

In accordance with The Fair Credit Reporting act Sequium Asset Solutions Account # XXXX has violated my rights. 

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX U.S. Code & 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identify theft. 

My action was dispute with the companies wasn't getting no written notice or respond.
Consumer complaint received 2021-03-21
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. (IL)

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still haven't received any responses. 

Initial dispute XX/XX/2021
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (OR)

XXXX is the ticket number with Binance.US I have been doing a little bit of business with them and did two deposits of {$35.00} and one for {$100.00} towards the end of XXXX. On XX/XX/XXXX I reached out to them as the deposits had not come out of my bank account. They responded with just an auto response and I told them it was not fixed. I did not hear anything back from them and tried to move some of my coins in early XXXX and noticed my account was XXXX. 
My bank account always has way more then {$130.00} in it to cover the transactions. Something happened on their end that caused the issue and they wont fix it leaving me and a lot of others in complete limbo without access to my funds. I have no problem settling up with them but they completely ignore the customer at this point. I have asked for help via e-mail, twitter and even through a survey function without a response from an actual person. They have no phone number to call either. Binance.US seems to be a corrupt organization or they just have no idea how to help someone.
Consumer complaint received 2020-03-28
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: United Revenue Corporation (TX)

My name is XXXX XXXX, the company United Revenue Corp. States I have a debt with them and has reported it to my credit report. Pursuant 15USC 1618B, I have asked them to please provide proof of the application you have on file that I applied for credit with If there is no proof of contract please remove this item off of my report. I have not received anything back regarding this.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased.. The Statement was posted on my account but, had not generated being the Statement date closing of the billing cycle is the XXXX of each month. 

Navy Federal reported the balance of {$2900.00} to XXXX XX/XX/2023 and, XXXX / XXXX The prior balance of {$2900.00} BEFORE Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased while the payment was Pending.. The Statement was posted on my account on this day but, had not generated being the Statement closing of the billing cycle is the XXXX. 

My payment was still pending XXXX, the XXXX it finally posted to my account. Even though I made my payment before the Statement generated they reported my account. 

Navy Federal reported the prior balance of {$2900.00} BEFORE my payment to the CRAs on the XX/XX/2023 and, XX/XX/2023 to XXXX and XXXX reporting agencies that effected my Utilization rate. I file a complaint XXXX XXXX regarding this repeated reporting. In their response to the complaint the company says and, I quote Navy Federal sends credit reporting information once per month within the week of the issuance of the account statement.

If I pay my account payment on the Due Date and, Statement Date why is the balance BEFORE the payment is reported and not the balance AFTER my payment. Navy Federal is not accurately reporting my account. If they can report to the reporting agencies the next day after the Billing cycle close, they can report my payment I made BEFORE the Billing Cycle close. This balance will be on my credit report for 30 days and this is unfair and, misleading of judgement to my character, and effects my ability to obtain credit. Such reporting effects the way lenders whom access my credit report. views me. I demand a correction to the reporting and my Utilization rate.
Consumer complaint received 2023-01-01
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. (MO)

In XX/XX/2022 I receive documentation that all XXXX XXXX  would be dismissed personal and federal student loans and I receive documentation stating what loan to be closed and the value an estimated to {$40000.00} which is still currently showing on my credit report I have contacted XXXX and explain to them that it needs to be removed and they will not remove it. This is making my credit report look bad because it still shows that I am in debt and additional {$40000.00} and I am not. My total student loan should be completely XXXX now and it should be reported so on my credit and it is not.
Consumer complaint received 2020-03-28
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: SYNCHRONY FINANCIAL (PA)

On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX  - XX/XX/2019 Syncb/Amazon - XX/XX/2019 XXXX XXXX  - XX/XX/2019 National credit card cos.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NC)

Mr. Cooper purchased the loan. During the loan application process, I purchased a buy-down. Mr. Cooper is not honoring buy-down and charging full-price. The agency reported that they have " 60 days to receive '' information from other companies, and I must make payments in full until a resolution is identified. 

Mr. Cooper is charging me 7 % interest versus 5.5 % interest per legally binding contract. Since they broke the contract, I would like to remove the buy-down, have this money reimbursed, and have fees and payments that I would incur provided to mei.e., {$73.00} late payment.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

On XX/XX/2020, I logged onto the Capital One mobile app to pay off my credit card balance. At that time, my total balance owed according to the app and my statement was {$3400.00}. I paid that amount on XX/XX/XXXX, the due date for my payment. On XX/XX/202, I received an email saying my Capital One statement was ready to view. There shouldn't have been a statement because I had just paid my card off 4 days earlier. I logged onto the app and noticed a new interest charge of {$58.00} had been added on XX/XX/2020. 

I called Capital One 's customer support line on XX/XX/2020 to dispute the {$58.00} charge. I waited in the queue for more than 30 minutes before I had to hang up. I called again on XX/XX/2020 and again waited in the queue for over 30 minutes before reaching a representative. After explaining the issue, the representative told me that he hears this complaint all the time from other customers and that there was nothing he could do about the {$58.00} interest charge. I asked him why the {$58.00} interest charge wasnt included in my TOTAL BALANCE on the app on XX/XX/XXXX, he didn't know the answer. He said next time I want to pay off my card, I should call the customer service line and get a payoff estimate from a representative. I escalated the call to a manager who said that he also gets this complaint regularly, and that he's not sure why the last interest charge is not included in the TOTAL due on the app or online portal. He said he has brought it up in focus groups and meeting aimed at providing better customer service and that at this time, he wasnt aware of a resolution. He also said he could do nothing about the {$58.00} charge. 

My complaint about Capital One is LIMITED TRANSPARENCY. Consumers looking to pay off their card balance should not have to jump through fiery hoops to find out what their total balance due is. They also should not have to call and sit on hold for more than 30 minutes to get an accurate payoff amount from a representative - if this information is available from a representative, it should be available on the app, the online portal, their statement, and everywhere else consumers can go to access their account. It is at best an unfair business practice to have consumers pay off their card balance according to the app or online portal, and then have additional residual interest show up 3 days later. There isn't even a warning on the app that this might happen, which would at least alert consumers to the possibility that their payoff balance may not be accurate. It is suspicious that the interest charge shows up AFTER paying the balance off.
Consumer complaint received 2022-03-25
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. (CA)

Company verified information but did not provide me any original documentation or signature.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MN)

I have disputed a debt that is from XXXX XXXX in the amount of {$2300.00}. I have disputed this debt numerous times letting them know that this is fraud. This account is very old and they keep restarting the debt over and over. The collection agency that has the debt now is Jefferson Capital Systems. I have never talked to them personally but I have disputed this debt through XXXX  and XXXX. I never had XXXX service and I do not owe this amount.
Consumer complaint received 2023-02-10
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. (MO)

In accordance with the fair credit Reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.