davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Through my XXXX XXXX mobile app. I received an offer to refinance my existing XXXX XXXX XXXX loan for a lower interest loan with Pentagon Federal Credit Union AKA PFCU. When I called the number I was rerouted to a third party broker who sounded like a child and very unprofessional. He asked for alit of information which I provided ... and he seemed to know specific details of my account with XXXX XXXX. I also told him that I didn't want another hard inquiry on my bureau and that I needed to know the likelihood of approval. He stated nearly 100 %! I was denied and now have a hard inquiry on my record. When I called back to inquire of this situation... .no calls back and no address or info online of this person or his alignment with PFCU. I believe this person has my credit information and is not legitimate broker.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Receivable Management Services LLC (NJ)

I was never notified that my debt was going to collections. I was never sent a letter, a phone call, or a email informing my debt was going to collections. I was on a payment plan for this debt and stopped receiving notifications. The only reason I was notified of this {$920.00} dollar debt was I received a notification on my credit report. When i contacted the debt collector they did not have my phone number or address on file.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (AL)

XXXX XXXX XXXX XXXX$65000.00} was showing my balance but my incorrect.Call and they states that my account balance was {$0.00} then when I called back they said the account was closed. 

Penfed Displaying account balances inaccurately on many occassions and closed my checking account for reasons not lawful. Made transfers to another institution and it stated the funds were being transferred on that day but later it should another date and on that date XXXX it didnt show up. 

XXXX XXXX XXXX XXXX I was blocked from paying rent using the online portal and now only 2 of my balances have shown up. My balances are not being displayed. And attempts to login hae been denied on many occassions. 

XXXX XXXX XXXX approved for a mortgage and deposit account and then rejected from using services. 

XXXX XXXX approved for a real estate deelopment loan and because of inaccurate information listed in the XXXX XXXX XXXX I was later denied forcing my companies into fiancial hardship. 

XXXX XXXX I did not receive the correct amount mandated by the XXXX XXXX XXXX XXXX. Now my accounts are not showing accurate balances.The also hae denied my the ability to dispute transactions. 


XXXX XXXX XXXX has prevented me from applying for a real estate loan because XXXX XXXX XXXX all of their funds '' XXXX XXXX  approved and denied me for an auto loan but then denied it because of inaccurate information listed in XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -Untitled { XXXX XXXX XXXX } XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2018-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX XXXX - Collector Thursday, XX/XX/XXXX - initial call XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I have received follow up calls every week day since, even though in the original call I told them I would call back myself when I had any new information for them. I am being harassed and want it to stop immediately.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MI)

Without my knowledge prior to it happening our mortgage was sold and is no longer under federal backing ( XXXX XXXX or XXXX XXXX ). I didnt know this had taken place until I tried to get help because of Covid! When I called Fayeservicing told me they couldnt help me because 1 ) I missed the deadline this was XX/XX/XXXX! 2 ) I wasnt backed by XXXX XXXX any longer! When I asked them to tell me when this took place they refused! I said I didnt give permission for them to take the XXXX  XXXX backing away and they informed it was one of the lines I initialed when we refinanced! I would never have initialed giving my permission knowingly because I liked knowing we were backed by Federal government! This needs to be clearly stated! 
Next complaint : we have filed twice to get loan assistance and were told we dont make enough money to get approval! Exactly why we asked for help! We have been paying on this loan since XXXX! When I called about a week and a half ago XX/XX/XXXX to see what had happened that is when I was informed we werent eligible! She told me we could still make payment arrangements so not to worry! I told her I didnt know how because we didnt enough money to pay one I didnt know how to send extra! I told her I did currently have enough for one payment and she asked me how saying something about me not reporting all my income! I told her my daughter gave me money! She didnt accept the money! I wouldnt be behind 3 payments if she would have! Last Friday I found out that my husband would likely be eligible for XXXX so this gave me hope I could make the payment with extra! So today XX/XX/XXXX I talked to XXXX I told him I was calling to make payment arrangements! XXXX told me I couldnt because it was too late! No one in my previous conversations told me about a deadline! Non of my letters have a deadline or even the suggestion that we could make payment arrangements! How am I supposed to know? There is nothing fair about how this company does business! I have asked on multiple occasions was there any assistance for veterans because my husband is a veteran! They said no! I told them I am XXXX since XX/XX/XXXX partially Covid related, nothing they can do! So because we are not backed by HUD they wont help us! I asked if I could make one payment because the we wouldnt be behind 90 days and would be eligible to make payment arrangements! XXXX refused to accept anything except for 3 full payments which would be {$2000.00}. So now we go into foreclosure because they refuse to do anything to help us at all! Next, I asked them to send the demand letter and eligibility letter certified mail and XXXX said they dont do that! I was complaining about not getting them!
Consumer complaint received 2018-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I sent a debt validation letter for SPS to respond to on XX/XX/2018. SPS refused to respond to the letter, and they put my house in foreclosure. CFPB and the federal law states that the lender must respond to the debt validation within 30 days of receiving the letter. I want SPS to follow the law and respond to this letter. The letter was via certified mail and I have a return receipt of the letter. Please send this letter to SPS and please give me a response back as soon as possible.
Consumer complaint received 2021-02-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Yamaha Motor Finance Corporation USA (FL)

Paid off loan on XXXX  XXXX XXXX year ago, XX/XX/2020, and have still not received the electronic payoff, and my title under Florida Law within 10-days.
Consumer complaint received 2022-08-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (TX)

My loan closed with Cadence Bank originally in XXXX. Bank merged with BanCorp South and they are now handling my servicing. 
on my XXXX statement, it shows my on time payment, an addl principal reduction and a " fee collection '' for {$30.00}. 

Between XXXX and XXXX, i have called 6 times. Bancorp has told me twice that i have a " return item fee '' but when i tell them i have every transaction showing on time & cleared payments back to XX/XX/XXXX, they back pedal and say they dont know. They then transfer me to Cadence. Cadence doesn't know either. 

I have left messages with no reply. I just want a real explanation for the fee, an apology for a mistake or they need to refund my money for my time and trouble.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting and XXXX  Accounts : XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acc # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXXXXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. It Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I reported identity theft and supplied a police report XX/XX/XXXX to Experian. They removed the account back in XX/XX/XXXX and placed it back on my report in XX/XX/XXXX but they didn't notify me in 5 days of the reinsertion per FCRA 611 ( 15 USC 1681 ) I spoke with a rep today XX/XX/XXXX & advised her of what happened she states they sent me notification within 5 days but when I asked her to supply the letter with the XX/XX/XXXX date on it she said she cant supply that and she can only give me a letter of what was sent with todays date on it. 

Im upset that these credit reporting agencies use these type tactics to get over on consumers and are able to do what they want. It's already alot that someone stole my identity then I have to go back & forth with the bureaus to follow the law.
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Ireceived a letter from Bank of America telling me they had detected suspicious activity on my credit card. Charges totaled over {$9000.00}. I learned from them that my address had been changed and my daughter added on my account as an authorized user. As I rarely used this credit card, I never received a bill, nor did I ever do any banking on line. smy complaint is that Bank of America never alerted me or inquired about the address change or additional user on my account. After filing 2 claims that were denied, they told me I needed to file a Police Report against my daughter to make a difference in filing another claim. I struggled with that decision... but filed the Police Report, but it was denied again. We are now at ages XXXX and XXXX having to take a Home Equity loan to repay this debt cause it is putting such a strain on our monthly income of XXXX. Bank of America definitely bears some responsibility for this fraud on my credit card. The fraud charges were done on XX/XX/2021. Claim denials on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 all say their research included my account history and/or the monthly account statements we sent you ... ... ... I NEVER received any monthly account statements and, again, hardly ever used this credit card. Thank you for any help or consideration.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (IL)

I mailed a letter asking for the company to validate, not verify the account they are reporting on my credit report. I mailed this letter on XX/XX/XXXX with cerified mail and return receipt. I never recieved my receipt, the post office claimed it could have fallen off in transit. They were able to get me the necessary documentation from the return receipt. I have a printed copy of the name and signature of the individual who signed for the letter. It was recieved on XX/XX/2019. The 30 day mark was on XX/XX/2019. I have not received a response from the company nor have I received any indication that they were working to validate this was truly my debt.
Consumer complaint received 2018-03-09
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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CO)

Began sending letters in XX/XX/2017 to dispute items I believe are not in compliance with the provisions of FCRA and the FDCPA. The accounts in question are XXXX XXXX XXXX and American Medical Collections.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

To whom it may concern, I am in arrears with my mortgage in the amount of {$53000.00} as of XX/XX/XXXX due to Covid-19. I am a XXXX XXXX XXXX and my husband passed away of XXXX on XX/XX/XXXX. Because of the lock down and being XXXX XXXX I had to close my business for a year until there was some sort on normalcy in society again. I kept in touch with the mortgage company quite frequently and I was placed on a forbearance to protect my home from foreclosure with no supplemental income. I began reaching out to PHH at the end of the forbearance and I was told I didnt have to worry about anything the past due amount would be deferred to the back of the loan. Now that the forbearance is officially over and I am trying to start making my payments again. Im told I do not qualify for the deferment nor a loan modification and I need to come up with {$53000.00} to bring my loan current or accept a repayment plan of a ballooned monthly payment I can not afford. My business is not where it used to be pre Covid and I dont understand why the mortgage company would let you go into a disastrous delinquency knowing they are not going to help you in the end. Its not my fault Covid occurred and I lost my husband in the process now the mortgage company is trying to take my home and put me in the streets. Call after call I was assured I would get assistance and there was no need to worry now they have turn their back on me and is demanding I pay a lump some that they knew I couldnt pay. Can someone please help me to ensure they are not doing this to innocent homeowners in a situation that was beyond our control? Thanks in advance for your help it is greatly appreciated. 

Yours Respectfully XXXX XXXX
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (AZ)

Early 2020, I was affected by XXXX XXXX Pandemic. Lost job, home, and was living out of car. With no income, multiple accounts became deliquent/past due. Without a means to contact any company, I was unable to call lenders/creditors to inform them of my situation and request accomedations. Late fees stacked up, accounts were charged off or closed. 
XXXX to late 2020, I was able to get into an apartment and start bringing accounts up to current. I tried reasoning with each the respective lender/creditor to no avail. 
Eventually, in an attempt to repair my credit and undo what had been done, I fell victim to XXXX XXXX. For 2 years I waited with baited breath for them to do nothing. After a recomendation from a realtor, I utilised another credit repair company, XXXX XXXX. They made minor improvements in the beginining but then nothing for another year. 
I've attempted to handle things myself but things have become much worse. After my most recent direct dispute with the XXXX major credit bureaus a lot has changed ( and not for the better ). Multiple accounts retain the missing payments ( from when I was affect by covid ) AND now positive payment history ( before and after the negative history ) has been removed. 
I thought the CARES act could help me as it did for others but, I'm at a complete loss for words and have no idea what to do now. 
The XXXX outbreak led me to losing everything. I tried my best to get back up on my feet but have been stunted. I was financially crippled and struggled. It took until this past XXXX for me to finally have some semblance of freedom from debt but my credit score still suffers.
Consumer complaint received 2021-12-06
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. ()

Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

On XX/XX/XXXX, I was notified that my student loans were forgiven. I reached out to Mohela in XXXX and XX/XX/XXXX to ask when my credit report would be updated with the information. I received XXXX notice that the information would be updated and in XX/XX/XXXX it was not updated as I received a message stating that they would respond to the message that I submitted on XX/XX/XXXX. There has been no update. When I disputed this with XXXX, I only got an update with the old balance and nothing reflecting that the loans are paid in full. This has been going on for seven months.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I settled a collection with Credit Collect Services. Credit Collect Services received the funds on XX/XX/2021 and it's reported on my XXXX credit report that I owed {$0.00} balance. XXXXredit Collect Services continues each month reporting to XXXX that account is in dispute which has been settled. Please have the account removed or stop reporting this the account is in dispute. I contacted XXXX each month starting in XX/XX/2021 to remove the comments but the remakes keep reappear each by Credit Collect Services.
Consumer complaint received 2021-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have sent 3 letters about removing negative accounts from my credit report. It has been 45 days sense first letter was sent out certified mail demanding Reinvestigation of negative accounts. I still have not received a response by law these accounts must be removed immediately. It has affected my ability to obtain credit at this time. And this has caused me financial hardship