davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Last month I noticed several accounts on my Equifax profile that should not be on there. It has been over 30 days since they received my dispute letter. I have attached a copy of the tracking number ( mailed certified via USPS ) thats directly from the USPS website as proof that Equifax received the dispute letter and when they received it. I also attached a copy of the dispute letter that I mailed. I am demanding that ALL of the unverified accounts be removed IMMEDIATELY. It has been over a month, I have not received a response from Equifax, and they have not verified the accounts.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. states I have the right to privacy. 

These addresses do not belong on my credit report. 

Four addresses do not belong on my credit report.

One social security number does not belong on my credit report.

My name is spelled incorrectly 5 different ways on the credit report but should only be spelled one way.
Consumer complaint received 2018-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

Ocwen has foreclosed on my property with a Strict Foreclosure law day of XX/XX/XXXX in proceedings through XXXX and XXXX when they also stated to me that they have a Hold Foreclosure on my account. It does't make sense. 

I had been working with the Ombudsman 's office and my representative to straighten out a very confusing Modification offer first presented in XX/XX/2018, which included no details of the modification except for the amounts of the first three payments ( and no guarantee of a modification even after paying those ). After requesting this information, in XX/XX/2018, Ocwen finally sent me the details, which I agree to, but they said that the time for accepting the modification had passed and that I could appeal. So I immediately appealed, only to find that they then sent another modification proposal in XX/XX/2018 that was much more expensive ( an additional {$260000.00} ), based on their assumption that the value of my house had risen ( magically ) from {$890000.00} to {>=  $1,000,000} ( in a very much dropping market ). 

I made my representative ( and the Ombusdman office ) aware of what had to have been an egregious error and in XX/XX/XXXX paid for my own Appraisal of my home, which showed the value at {$660000.00} ( emailed to them XX/XX/XXXX ). Working with my Ombudsman, we agreed to " call it '' {$700000.00} since Ocwen said that they had a higher appraisal. They are purportedly working on a modification ( we also spoke of a settlement, but I can not handle a one time payment like that ) all the while I have been to court on three occasions, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX all the while Ocwen states that my account is on a Foreclosure Hold. 

I've reported Ocwen before in a much larger scope of problems ( Complaint XXXX-XXXX  ). I am assuming, and it appears by the CFPB action against Ocwen in XXXX that you've addressed those. Now, it appears I need some rather direct intervention, and I hope you can help " nudge '' Ocwen to honor their Modification process based on this new value of the home ( similar to their XX/XX/XXXX assessment ) - and immediately before XX/XX/XXXX comes and we are out of our home!
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX - LATE PAYMENT WITH DIFFERENT BUREAUS - HOW IS THAT POSSIBLE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Consumer complaint received 2020-08-01
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. (AL)

This company is listing XXXX unverified public records on my credit reports. Your initial communication to me of the unverified public records was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

ESCI Heartland, my student loan creditor has posted to all XXXX credit bureaus that I was 30 days past due, and that is not the case. I have all of my payment receipts, even their website shows all of the payments I have made. Their firm has misapplied the payment, and this is not something that I should be penalized for.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2018, I called Capital One to get the payoff on my GM Credit card ending in XXXX. 
I pay via their on-line system same day, total {$5500.00}. 
Approximately 30 days later, I received a bill for {$91.00}.?. I called Capital One twice and ask to speak with a manager because they said it was an interest charge and it was not included in the payoff they provided to me. They would not waive even though I was quoted a different amount for payoff. I was advised interest would not be charged on interest, but that isnt correct either. New bill reflects XXXX. I filed a claim with Attorney General and they said I need to file on this website.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below. After several conversations with the credit bureaus and capital one. I noticed that XXXX  fixed the errors, however, i still noticed the dilemma on the other 2 credit report agencies. 

XX/XX/2018 - 30 days late for {$5.00}??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: American First Finance, Inc. (WA)

I took my car in for some work at XXXX back in XXXX of this year, they offered me financing so I filled out the application and was approved for around XXXX $ through American First Finance. To fix the car issues it cost around XXXX $ and while looking at my bill recently I realized that I had paid XXXX $ for 4 months and that had not lowered the bill at all. I called American First Finance to see what my interest rate was and if it could be lowered, they told me that my interest rate is 144 % and that is the contract that I signed and it can not be lowered. I pleaded with them that over XXXX $ a day during a pandemic for a person who is laid off and is needing to borrow XXXX $ in the first place is making this finance loan very difficult to pay off. They told me there is no way to lower payments or interest so being that 144 % interest rate is very extreme and the goal to pay off the loan seems unattainable I am asking for your help. 

Thank You
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

wells fargo tells me to work with foreclosure which i did with XXXX XXXX who was Helpfull but WELLS FARGO IS THE WORST MORTAGE CO from what i hear by person and XXXX etc, THANKS FOR ALL YOUR HELP XXXX Bless You
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

We were going through a home modification trail period with XXXX. We had made 4 payments when XXXX sold/transferred our loan to Fay Servicing XXXX We called them to find out how to send a payment and the Fay said they had to receive the modification from XXXX so not to make a payment at that time. The next month comes and they ( Fay Servicing ) send us out a hardship package. Then they denied us. Fay Servicing will not honor our loan modification we had arranged with XXXX and now they want to foreclose on our home.
Consumer complaint received 2018-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im a veteran who attend the school in XX/XX/XXXX-XX/XX/XXXX. I used my post XXXX GI Bill with all my expenses covered through it yet somehow I have an outstanding Stafford loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the GI Bill works. Please help.
Consumer complaint received 2018-12-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I started with XXXX XXXX from XXXX XXXX who pre-approved me for a VA loan after he ran my credit and took all my information including my income, etc. and said he could do a VA loan for me up {$160000.00}. This was in XXXX of 2018. On XX/XX/2018, I found a brand new home for myself and my family and I signed a contract. We were to close on the home XX/XX/2018. Mr. XXXX assured us this loan would go through and everything was on track but as the days passed there was little to no contact from him.I began to get more and more weary of him especially when I was getting paperwork from Carrington Mortgage. It had looked liked he brought it another mortgage company without me being aware of this. I still was not able to get in touch with him nor was my realtor or the title company.But I was signing all paperwork that I was sent and giving all the necessary information needed to proceed with the loan. Then when I finally did hear from Mr. XXXX, he told me that the loan was to be postponed to XX/XX/18 because he had not ordered the VA appraisal yet. Our realtor, the builder, the title ; company was all waiting for Mr. XXXX to order the appraisal and give final approval of out loan so that the final closing date of XX/XX/2018 could be set and then the call came in to our realtor NOT to us that our loan was in fact denied. NO explanation was ever given to anyone especially us and we were never called, never sent a letter or anything!! Never use XXXX XXXX or Carrington Mortgate. EVER. Now weeks before XXXX my family was all packed up with no home to go to.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/2023, I submitted a claim to Bank of America concerning fruad on my debit card. my debit card was used without my authorization or knowledge on several occasions and I proceeded to submit a claim on the phone with Bank of America. I provided all information asked of me and all information that I knew. I recently had to contact the consumer finance protection agency due to Bank of America, disregarding a claim, and in turn ruling against me. After getting representation from the CFPB, Bank of America immediately realized it's fault, and I was provided the money from that claim. This is typical of Bank of America, not doing the research it entails in order to provide their customers with the best service. This is an exact situation like the last, and now I just found out that the dispute was closed and the money withdrawn from my account. I am now in the negative with my rent due, and absolutely no answers to what or why they close the claim. They never reached out to me to provide any other information and just went ahead and closed the claim like they did the last. THIS IS COMPLETELY UNACCEPTABLE. AND NOW I AM HAVING MY LIVELIHOOD PUT OUT ON THE LINE DUE TO BANK OF AMERICA REVERSING THIS CLAIM. I HAVE PROVIDED SCREENSHOTS OF THE DEBITS AND THE CLAIM NUMBER. Please I need someone from Bank of America to re-open this claim and re-search it again as I do not have the means to pay my rent now. I need this credit immediately and I need an actual investigation on the claim and not just somebody passing it by like they did before. Attached are screenshots of the reversed debits on my account in the claim ID number. Please re-open this claim immediately and provide provisional credit as this investigation and ensues!!
Consumer complaint received 2020-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (FL)

I spoke with XXXX from Allied Collection Services , Inc. twice on the phone after receiving an email for a debt originating from XXXX. I am not convinced that I owe this, which I told XXXX. I was also concerned that I had not received a hard copy of the account by Allied Collection Services , Inc . I told XXXX that if Im responsible for the debt I will gladly pay it but I did not think it was appropriate that I was not mailed a statement. I confirmed my address with XXXX to find that it was incorrect. My apartment number was wrong. When we realized this, I thought that they would send a statement right away. He still refused, stating that they had already mailed one on XX/XX/XXXX, even though he had just identified an incorrect mailing address. This reluctance on their part has caused me to feel suspicious about the legitimacy of the dollar amount in question. I am ready to resolve this quickly, Im not sure why XXXX and Allied Collection Services would choose to operate this way.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY (GA)

The company left a voicemail on my wife 's phone threatening to show up to my home or job. When I called they threatened me with garnishment and judgment. This is the first time we have heard from this company. We have not recieved any Initial Demand Letters.
Consumer complaint received 2020-08-02
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. (NY)

After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote TransUnion about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL ACCOUNTS.
Consumer complaint received 2020-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested. Remove the following accounts from my credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2022-11-30
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

XX/XX/2018 To Whom it Concerns, My Capital One credit card statement of XX/XX/2018 is incorrect by {$1600.00} plus interest! I contacted customer service in regards to this on XX/XX/2018. I did this when I made a {$500.00} payment on the account. The customer service representative XXXX ( XXXX ) said she would forward the information to the department that would correct the improper balance. She concured that the balance was improper. She could see that instead of a payment being reversed back to the account just one time it was incorrectly reversed two times back to the account. This was due to two different card numbers because I reported lost stolen and fraudulent payment made on my account. The same single account. I have never made a payment online!!!! I have only made all my payments from the same checking account. My phone was hacked!!! I reported right away and changed my password on my online account. I have had this credit card for several years now and I have always been responsible and obedient to terms and conditions. I also have no criminal record. I also have worked for a credit card company. I was told by the customer service representative that this statement would be corrected. She also did not inform me that I was supposed to write to capital one to report error in billing. Conversation was recorded and I spent 2 hours on the phone that day with the company. I was lied to by Capital Ones customer service representative and I was not informed proper on how to dispute the error in the billing. I want this corrected this is simple reading and math to correct this billing. I want all my interest for this mistake credited back for XXXX, XXXX, and XXXX statements. I have attached the statements of XXXX and XXXX. I also have enclosed a spreadsheet showing the improper calculation of statement. Please do the simple reading and simple math. I should not have to hire a professional accountant for a witness and an attorney to get this straightened out. This is horrible! 


Sincerely, XXXX XXXX XXXX