davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Capital For Change, Inc. (CT)

Company is my second mortgage serviced by. 
Capital for change I made a payment of {$76.00} And was informed they could withdraw with automatic payment so the following month they withdraw the ongoing payment and keep placing miss payment for the same missed payment from the date it was missing yet taking the present month payment instead of just withdrawing the payment for the missed payment so they reported I missed 3 payment And I have since filed for bankruptcy and they never reported my discharge to credit reporting agency which its a burden to me and my family as Im since then when I see the missed payment I called and payed they said they will inform credit reporting company of the way their payment proceses payment not just keeps making it missed payment every other month when it was for a specific month The month they said they did not process was XXXX XXXX the XXXX then on for the same payment again XXXXXX/XX/XXXXXXXX the XXXX and XXXX XXXX XXXX yet they did Receive the payment for those months stated above. So its reported I missed 3 payment which is incorrect.
Consumer complaint received 2023-04-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Failure by Ally Bank to comply with my mother 's Power of Attorney. They are intentionally blocking access to all bank accounts and unnecessarily delaying funds from being managed. 

Despite numerous promises that a representative would call me, no one ever has. 

I always initiated all contact only to get non-specific timelines and kept on lenghty holds just to receive no answers. I don't even know if they ever plan on providing access. 

Other than initial email confirmation that they received my POA and other supporting documents, there was no further communication from them. 

Their initial email stated a 5-7 business day response, but that deadline has since past. 

Their non-compliance is costing money in lost interest by deterring me from moving funds to other higher paying financial institutions. 

This maybe the reason they are blocking access to the accounts. They know I intend to close them.
Consumer complaint received 2021-02-16
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. (TX)

NTB/CBNA is reporting a charge off that I have not authorized/no knowledge of. I have reported identity theft on numerous occasions, however they are adamant that the report is correct. The credit card was opened on XX/XX/2018 for a balance of {$700.00}. It is currently reporting a charged off balance of {$1000.00}. Due to this inaccurate information my credit profile is impacted negatively!
Consumer complaint received 2020-02-08
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: Experian Information Solutions Inc. (NJ)

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Consumer complaint received 2019-06-24
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. (CA)

I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of XXXX   placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of XXXX. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$XXXX}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after XXXX  years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both Experian & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to Experian & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from my credit report.
Consumer complaint received 2019-06-24
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. (CA)

I have contacted XXXX XXXX XXXX about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$940.00}. I disputed it with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & Transunion are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from my credit report.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I represent a homeowner selling her home as a short sale. I initiated a short sale in XXXX for my seller originally in XXXX. By the first of XXXX the short sale was rejected due to the loan being charged off. I called MR. Cooper ( 2nd lien ) and asked where the file went, and if they still were servicing it i wanted a lien release letter. They said they did not know if they were still servicing the file at that time or had released it to a different servicer. I continued to call to find out and asked the seller if she had received any mail regarding this charge off and she said she did not receive any information about the charge off. After calling for a month Mr. Cooper told me that they reversed the charge off and I could initiate the short sale again through XXXX which I did. I told the servicer that this file should be streamlined and escalated since they had wasted so much of our time and also that one of the borrowers had passed away so we should be able to streamline it. I completed all my tasks on time and an appraisal was ordered. I waited several weeks and emailed the manager regarding the status often during this process with little or no response. I decided to call the escalations department today to see what the hold up was and the agent apologized for the delays and would help resolve this. he sent the file to be assigned to a negotiator which should have been done weeks ago and then said that they would review it today so we could have our approval letter by next week on Wednesday. Later that same day the manager assigned to my file called me and said " We cant continue '' I asked why and he said that Mr Cooper isnt really servicing this loan and XXXX is ... I was shocked. I asked why am I now finding this out since I have had an active short sale being processed for three months now and he said they made a mistake. I told him that was not a mistake but was DECEPTIVE in every way! If Mr. Cooper told me over two months ago that they did reverse the charge off then why did you accept the short sale? He could not give me a straight answer. I told him I would be filing a complaint with the CFPB and he told me NOT to threaten him. I said I was not threatening him by filing a complaint. I asked why he had not replied to any of my emails I sent in XXXX and he said he is not a negotiator and doesnt reply to those emails. I said we did not even have a negotiator assigned to this file until today!! He said that if I threatened him with a complaint he would not be willing to help me resolve this issue. I Told him that he needed to send everything to the new servicer immediately and then call me tomorrow and let me know how soon we can get our approval since everything had already been completed. He said he MIGHT call me tomorrow but would not guarantee anything.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MI)

XXXX is trying to report a collection on my XXXX and XXXX Credit Report for a XXXX XXXX 's credit card that fell off my report a few years ago when it was well over 7 years old. Due to my FCRA rights reporting this debt again as a collection when it is past the amount of years it is allowed to be on my report violated my FCRA right directly. This debt is past the statute of limitations and I am tired of being harrassed illegally about it including the debt collector contacting third parties and discussing private details with the over a debt that is literally 11 years old.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I made a payment to my credit of {$350.00} during this phone call the agent offered me a due date change from the XXXX to the XXXX which would give more time in my cycle to pay the bill. I asked if my balance would report on the XXXX of XXXX the representative advised that yes it would report however she failed to advise me that the new cycle would change the reporting date to the XXXX of the month on XX/XX/2021 I contacted XXXX XXXX  again in reference to the reporting I spoke with 2 reps they both advised me because I had great payment history my payments post immediately and my account would report at XXXX On XX/XX/2021 I received not only an alert from Experian that my score had dropped 21 points but ALSO my lender to tell me that I can not close on my newly built home because my FICO 2 also dropped to XXXX I immediately contacted XXXX XXXX and they escalated to several managers I had been speaking with a manager by the name of XXXX who advised me to make yet another payment of {$500.00} and she would do a courtesy correction to the report on XX/XX/XXXX I advised there should be no courtesy as if I was advised correctly we would not be having this conversation I spoke with another rep who advised that whenever they offer a due date change they have to disclose the cycle changing and if the cycle is soon they have to advise this information Here it is day 5 and no resolutions from XXXX  each agent says something totally different I am unable to speak with upper manager or the credit reporting department to file a formal complaint I am due to close on home I have a sales contract if needed and I can not close on XX/XX/2021 because of this
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (VA)

On XXXX/XXXX/17 I Disputed both accounts # XXXX and XXXX in which ERC received on XXXX/XXXX/17 and they did not list account # XXXX in dispute! They also responded to the dispute of account number XXXX on XXXX/XXXX/17 which is well over the time allowed! In regards to both account numbers ERC sent out alleged Bill statements which is incomplete, and has no break down of inaccurate amounts, They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have I ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! 
SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open, AND Account type WHICH list [ collection-non specific ] W/XXXX AND list [ Other ] W/XXXX Similarly, telephones are often used for business purposes. This includes cell phones, and even land lines that are located in residences, which might be used for home businesses. To identify whether a debt was incurred, the starting point would be looking at the charges reflected on the monthly phone bills. If the bills can be obtained, the charges will not be self-explanatory. Once again, the debtor would need to be deposed in order to determine if each of the charges is properly characterized as business or personal. 
While some unpaid obligations will always qualify as a debt under the XXXX, many will not. Collectors should examine each case individually to determine whether a debt was incurred and whether the Act applies. 
DOES NOT QUALIFY TO FALL UNDER DEBT as stated under XXXX.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One is reporting my business credit card as being 30 days past due to the Credit Bureaus for a mistake made after I closed a personal credit card account held with them which was paid off. Evidence shows that I was enrolled in their Auto-pay system to avoid late payments. My Auto-pay profile was cancelled by Capital One for the wrong account which caused my account to go past 30 days and evidence shows my payments were being made on-time until the mistake was made but they are refusing to correct their mistake. There was no reason for me to personally cancel my Auto-pay profile.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I enrolled my Lowe 's credit card ( issued by Synchrony Bank ) into Auto Pay on XX/XX/19. I had a payment due on XX/XX/19. My account was never deducted the auto pay amount and I was charged a fee. I checked the day of the due date and the website indicated that my auto pay was " on ''. When I called customer service, they indicated that it can take a cycle or two to have this feature activate. However, as I mentioned, the online portal indicated that this was actually " ON. '' I was reimbursed the late fee, but I feel that this is a deceptive practice by the bank. Their online account portal should accurately reflect the current state of auto pay to eliminate confusion.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

SINCE XXXX I BEEN FORMALLY REQUESTED TO BE CONSIDER FOR A LOAN MODIFICATION AN EVER EVER BEEN HELP AT ALL I BEEN REJECTED, TOTALLY IGNORED AND THE COMPANY MISLEADING THE INFORMATION MANIPULATE THE US POST OFFICE WITH THE BACK DATED NOTICE AND SOLD MY HOME WITH OUT TAKE AL LOOK OF MY APPLICATION, DO NOT RESPONSE MY PHONE CALLS AND FINALLY THEY SOLD MY HOME ON XX/XX/XXXX AND I HAVEN'T BEEN ABLE TO CONTACT THEM AT ALL AND I HAD SOME CALLS FROM THEM WITH TREATS, PRETENDING THAT THEY DO NOT UNDERSTAND ME OR THEY DO NOT HEAR THE CONTACT IS NOT CLEAR I A A SENIOR XXXX AN I DO NOT HAVE ANY WHERE TO GO IF THERE IS ANYTHING THAT YOU CAN DO TO HELP ME AND MY FIANCE XXXX XXXX SHE IS SENIOR AN XXXX TOO
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC (KY)

Lloyd and McDaniels law firm apparently sued me for a debt in XXXX. The original debt they said was through XXXX computers and then XXXX XXXX. They wouldnt tell me how old the debt ( original ) was from XXXX but if this action took place in XXXX from the 3rd collector and its 4 years old Im going to guess it was at least 10-15 years old because Ive not even owned a XXXX in that long. My wages were garnished this past payday which was XX/XX/XXXX and I had no idea that was even going to happen. I called the number on the paper that my Human Resources got for me from the payroll department. They said they were not releasing the garnish. I make {$300.00} every 2 weeks if that and I am a single mother. This puts a hardship on me trying to take care of my daughter. I am finally getting a few more hours at work then it takes out the extra I would have had from a garnishment I didnt know about. If I was served in XXXX I dont remember that was 4 years ago and also was going through a divorce at same time. I was never sent a letter letting me know it was coming out now. I am working more hours for the same pay and missing out on time with my daughter. I need this garnishment stopped because I dont know what Ill do if its not. The debt is for {$4500.00} XXXX cant pay that.
Consumer complaint received 2019-06-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I submitted application for loan modification and was first offered a flex mod and then for some reason it was takin back i was told by the investor and said because I have already received several modifications which are not at all true I tried to explain that and it wasn't even taken into consideration just told me that I could make a reinstatement payment of {$24000.00} I do not have this kind of money but I do work 2 jobs so that I can keep my home the reason for my hardship is the death of my husband and financial loss this is why I requested a modification
Consumer complaint received 2019-04-18
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. (FL)

I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

XXXX
- ONLINE INFORMATION XXXX XXXX XXXX XXXX  


XXXX
- XXXX XXXX XXXX XXXX Collection services XXXX
-  XXXX XXXX XXXX XXXX
Collection services
XXXX


EXPERIAN
- XXXX XXXX XXXX Other Collection Agencies XXXX
- XXXX XXXX XXXX XXXX XXXX  
Collections  non specific XXXX
Consumer complaint received 2020-02-08
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. (FL)

I don't have a XXXX credit card and this what they are trying to say this one is XXXX account on your TransUnion credit report. 

I tried to dispute this with transunion but they still are showing this on my report and it has affected my credit.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I have various credit cards serviced by Synchrony Bank, Qcard, PayPal, Wall Mart, Sam 's Club Master card. It took me a while to figure this company out but what they do is " forget '' to send a bill for a month and then in the next billing cycle you have late fees added on, then the next day you get a letter reducing your credit limit. I had been in excellent standing with these credit cards for years until Synchrony bank took over the accounts. There are so many people complaining on XXXX and people I know personally who are having the same issue. Something needs to be done. They also call you 5 times a day and all day Sunday if you " missed '' a payment. I had never missed a payment until these crooks took over. Please look into their practices.
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Dear CFPB customer service representative, I am writing to your office in regards to a 30 year FHA mortgage loan that I have been paying for the last XXXX years. My principal Complaint/Concern is that this loans MIP/PMI is still being charged even though the FHA loan criteria terms have been all met since XX/XX/XXXX. 
I need confirmation from the pertinent agency/department in regards to my LOAN # XXXX, which is an FHA loan, originated by XXXX XXXX in XX/XX/XXXX, then Sold to Nationstar, and now being serviced by Mr. Cooper. I have been paying PMI/MIP. for the last 5 years and 11 months. My understanding was that XX/XX/XXXX was the 5 year maturity date of the FHA pmi. And so, I am hereby requesting a formal review and ensuing confirmation that this PMI/MIP will no longer have to be paidAGAIN!. Previously when I called, I was told by NATIONSTAR ( My loan servicer at the time ) that the PMI/MIP will automatically be stopped at the 5 year anniversary. However, it hasnt been stopped as of yet. I want and need confirmation IN WRITING of such transaction so as to have the pertinent documentation on file for future reference. I am considering court action due to the corrupt bait and switch tactics employed by FHA in connection with the mortgage companyillegal and designed to saddle the homeowner with a PMI/MIP for much longer than necessary/stated. Point of fact, I met all of the criteria stated by the FHA regulation. However, I was not cleared of the PMI because of a catch 20/20. Meaning that the total amount due in 5 years will NEVER equal the 78 % LTV ratio. And, it is oddly designed to do that-on purpose. The 78 % LTV Ratio can NOT be achieved under the current terms due to the fact that the current value of the house is NOT taken into account, therefore the equity available does not count. That in turn means that NOBODY who borrowed under those terms will have enough equity to be free of the PMI. Therefore, we are stuck with the PMI for much longer than the XXXX years stated on the FHA criteriathat is unless I pay down an extra {$20.00} thousand-plus-dollars, which I can not afford to do. That is why the FHA rules are a well-designed scheme to saddle homeowners like myself with a PMI for longer than stated on the contract. What a horrible thing to do to consumers! I wonder if senators XXXX XXXX, XXXX XXXX and XXXX XXXX who are consumer advocates approve of this? My goal is to get consumer advocates involved as well as the CFPB officers to look at this scheme under scrutiny and hopefully abolish such predatory practices on hard-working, tax paying, American consumers. 
I have further documents/proof from XXXX XXXX, Nationstar and Mr. Cooper available upon request. 
I thank you all in advance for your help and support in this most important matter. 

In perpetuity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX