davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
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. (CT)

To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX  on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (TX)

Around XX/XX/XXXX I notified Ocwen Mortgage of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department of Veterans Affairs and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the Ocwen Mortgage reappeared on my XXXX  credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. XXXX responded with Ocwen said it was a factual debt. I have fought with Ocwen over this mortgage and all the XXXX day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX XXXX  credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!
Consumer complaint received 2016-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX XXXX XXXX XXXX XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!!
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CO)

I open a month to month membership with XXXX XXXX and after using it for a couple of months I chose to end my membership. Well months later I received calls and letters from aldous and associates stating I owe them {$300.00} for that month to month membership I tried contacting the gym and the gym would sent me back to aldous and associates. Eventually it got to the point where NOBODY was able to help the only thing left was to pay them because no one could take care of the matter. So now i was being forced to pay them an amount of money i didnt owe XXXX. I explained this to not only XXXX XXXX but also the collections agents but all the ever did for me was threatened me that if I didnt pay I was going to be sent to collections and that it would impact my credit score. So I started to make payments I could afford. Since I didnt pay their minimum ( {$100.00} per call with their agents ) I got put to collections on the credit bureaus causing my credit to drop by 35 points. I reached out once more to try to come up with a fair closing and all they did was tell me they couldnt do anything. This is by far the most unethical way to make money by XXXX XXXX and aldous and associates. Taking advantage of the power they have to break your credit score to force civilians to pay them what you DONT owe.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

TransUnion placed a fraud alert on my credit report without my authorization. I called to have them remove it, they asked me 2 security  questions to verify my identity which I answered correctly. Their supposed system said I answered incorrectly and now I have to send in all this paperwork to verify its me. This is so ridiculous.I emphatically deny asking for a fraud alert.They should not be allowed to do this without my permission.Please tell them to remove this immediately and to stop XXXX  around with my credit report.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

In early XXXX my mortgage servicing company was transferred from XXXX to Freedom Mortgage. On XX/XX/XXXX I called and requested a payoff amount to pay off the remainder of my mortgage. Freedom Mortgage would not give me a payoff amount unless I agreed to pay a {$30.00} request for payoff. I explained to Freedom Mortgage that my loan has no prepayment penalty so {$30.00} request was not in terms of my agreement. I then ask if I just sent in the balance with an adjustment for interest would that be acceptable. The lady indicated that I still had to pay {$30.00}. I refused to pay the {$30.00} and sent in the balance of loan plus 7 days interest. 
I have called almost daily since my bank ( XXXX ) sent the check on XX/XX/XXXX to Freedom Mortgage to see when it will be posted. Freedom Mortgage continues to say they do not have the check and in the meantime I am accruing interest. Since XX/XX/XXXX, XXXX has post mark my check 2 to 3 days before the XX/XX/XXXXof each month and Freedom Mortgage has applied balance on XX/XX/XXXX of each month. Now they have conveniently misplace my check while I continue to accrue interest. Per my calculations, I now owe additional interest because they have lost my check.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On  XXXX   XXXX ,    2017,  I was at the   XXXX   XXXX   in  XXXX ,  MD and I used m y ATM card to withdraw {$1500.00}. I have attached a copy of the receipt that was printed at t he casino th at night. The problem is that the machine only dispensed {$1100.00}. I immediately went to the customer service counter at  XXXX   XXXX , where I was told that they are not responsible for the machines that are on their premises. And my nightmare began.     I was given the name and phone number for the company that allegedly maintains and operates the ATM machine,  XXXX . The receipt states the terminal number and transaction number.  XXXX  also gave me the phone number  XXXX . I called  XXXX  at the toll-free number and I was immediately told that  XXXX  is not responsible for any dispensing errors. They said the only recourse is to talk to my bank,  Capital One.      First, I went to my branch of Capital  One  at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , Maryland  XXXX . I was told by the branch  manager  that I had to call their Claims Support Center. I called  Capital One  on  XXXX   XXXX  , 2017. T he claims representative at th e Claims Support Center at Capital One  took all the relevant information from me and told me they would investigate. I received a follow-up call on  XXXX   XXXX ,    2017, in forming me that I needed to fax a copy of my receipt. I did not have access to a fax machine and was trying to find a place to send a fax, but I just received the attached letter denying my claim.     I am at a complete loss about what is the next step I can take to address this consumer fraud and to receive reimbursement of the money that was taken from me by either   XXXX   XXXX   (  XXXX   ),  or  XXXX , or Capital One Bank. I have been unable to determine who is the ultimate regulatory agency that oversees these  XXXX  financial services companies and I have been unable to obtain a refund from any of these companies.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I originally had multiple loans serviced by AES. I have always paid on time and have never been delinquent. In XX/XX/XXXX all but one of my loans serviced by AES were transferred to XXXX. 

My automatic payment was already processing to AES which included the payment to loans now serviced by XXXX. Before they were due in XXXX, I emailed AES on XX/XX/XXXX to request {$720.00} of the {$800.00} payment forwarded to XXXX to cover the loans they are now in charge of. I recieved the following confirmation from AES : " Thank you for contacting American Education Services ( AES ). A request has been submitted to have only {$720.00} of the {$800.00} payment forwarded to XXXX. Please allow up to ten business days for this request to be processed. '' As of XX/XX/XXXX, no payment has been forwarded from AES to XXXX, and we are well past the 10 business day timeline they committed to in XX/XX/XXXX. I have been in contact with Navient multiple times to explain the situation throughout XX/XX/XXXX and they have our conversations documented ( so do I ). I am now trying to pay just my XXXX loans for XX/XX/XXXX but they won't allow me to pay unless I pay both XXXX an XX/XX/XXXX, which is a substantial amount for me. I don't know what to do.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MS)

I have had my Discover card since XXXX and I have never been late ; I got this card for the sole purpose to rebuild my credit. I want you to know that I understand my financial obligations, and if it weren't for COVID-19 I'd still have an excellent payment history. I am applying for a mortgage loan and it's come to my attention that the missed payment on my credit report is hurting my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a good will adjustment to remove the late payment on XX/XX/XXXX. Even if your company doesn't believe in good will adjustment according to Coronavirus Aid, Relief, and Economic Security ( Cares ) Act the late payment can be removed from my credit report especially since you have already refunded the late fee. My account is current and has been every since XX/XX/XXXX. Thank you for your consideration, and I hope you'll approve my request.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC (IL)

This account ATG Credit ( XXXX XXXX XXXX ) has been in dispute since XX/XX/XXXX. ATG Credit has been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. When I first disputed this account I noticed the dates of last activity was different for each bureau they stated XX/XX/XXXX for XXXX and XXXX XX/XX/XXXX and XXXX  shows a date of XX/XX/XXXX I sent a written response and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. 

Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last activity on the account this time XXXX reports XXXX XXXX XX/XX/XXXX and XXXX  is XX/XX/XXXX. As well they are still missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

I have been banking as a " Private Banking '' Chase customer for 34 years. I convinced my new husband to move his accounts there as well. 
I was out of town and got a text asking if I made a transfer for {$4000.00}. I didn't so I said no. 

I then got a call a while later asking if i made a transfer from a certain account.That was not my account but apparently my husbands sole owned account. I told the fraud department to call him not me. They should never have called me because my info is not aligned to that account only joint accounts. 

They didnt call him; denied the transfer and froze him out of all the accounts. 

They refuse to acknowledge or fix the problem. 
They wont even put in writing the situation. 

I can not be legal to call someone that is not aligned with an account and then freeze the account because they won't call the actual owner. 
I have tried to get this fixed but they said they did nothing wrong and will not change anything, I am writing but the name on the account is XXXX XXXX XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MiraMed Revenue Group LLC (LA)

On XX/XX/XXXX, I reviewed my credit report and saw there was some medical debt from Merimed Revenue Group that I was unaware of. I have not received any correspondence on this debt so I am u sure if it is valid and have not had the opportunity to pay it if in fact it is. There are four accounts which have the same amount twice. Two for {$80.00} on date XX/XX/XXXX and two for {$180.00} on XX/XX/XXXX. I was advised I could pay the debt and it would show {$0.00} but would not be removed from my credit.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.
Consumer complaint received 2018-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (AL)

My student loan was defaulted due to a long period of unemployment, but recently I've managed to get back on my feet and begin working on getting all of my finances in order. I have 3 separate federal loans which were in a defaulted status and fortunately I was approved to consolidate those loans on XX/XX/XXXX. Two of the federal loans are being serviced by XXXX and the 3rd loan ( Perkins ) is serviced through Heartland ECSI. I was told by XXXX that the date my Consolidation was approved on XX/XX/XXXX. Those two loans were then automatically taken out of default and put into repayment on the National Student Loan Data System ( NSLD ). My 3rd loan with Heartland ECSI was also paid in full on XX/XX/XXXX, but remains on the National Student Loan Data System ( NSLD ) in a default status despite being paid in full. I have reached out to Heartland ECSI several times requesting that this information be updated, but I continue to get the runaround. It's pertinent that my information be updated immediately in the National Student Loan Data System ( NSLD ) because it could negatively impact my employment as in I could be terminated. My accounts with XXXX has been updated in National Student Loan Data System ( NSLD ) twice since XX/XX/XXXX, while Heartland ESCI has done nothing to bring my balance current. They continue to tell me that they aren't sure how soon it will be updated and they've gone as far as to tell me that it could take weeks. That simply won't do. Please assist in getting this rectified. Thanks.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My savings account was taken over as someone took my debit card and started to drain my account started XX/XX/23 I immediately called capital one disputed the charges and about freezing my account all they said was there is a flag and no money will be taken out. Money was still being taken from my accounts and capital one did not notify me about any withdrawals as i have alerts set up for it. There were multiple withdrawals of multiple increments of more than XXXX + when capital one has {$1000.00} withdrawal limits! Capital one has closed my accounts and this has not been resolved
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Equifax told me to send my information to them to verify who I am I have faxed my information as well as mailed it to them and still, they are telling me to send them the same information I have trying for the past XXXX years with them I am at the end of my rope I don't know what else to do please, please help me I don't know who else to turn too.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I realized there was a debt on my credit from XXXX. I have never had a phone with XXXX or any services with XXXX. My father has the same name as me and he does have XXXX. I think the debt may belong to him.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX  XXXX XX/XX/XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX