davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NY)

I have complained about Ally in the past because they had reported my account as delinquent with a balance when the actually lease of 39 month was all paid on time, during the return process the account was charges unreasonable and excessive fees associated with wear and tear which i disagreed with, So when I initally complained they amended the reporting from delinquent to a charge off. I complained again for the false information called a charge off and they responded the following answer : " notice dated XX/XX/2018, was mailed to your address of record indicating a balance due of {$1600.00} and our intent to report negative credit information regarding the status of your account should payment not be remitted in 10 days. When we did not receive the full payment of your outstanding balance by the required date, your account was charged off, and we furnished that information to the credit reporting agencies. 
Based on a review of your account, we believe Ally is furnishing accurate and complete information of our credit experience with you on this account. Therefore, we will not request the credit reporting agencies remove this information from your credit file. 

When in fact I have discovered new evidence dated XX/XX/2018 which a payoff letter attesting that all fees and charges were paid in full.
Consumer complaint received 2019-08-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Vericred Solutions LLC (CA)

This is regarding a {$250.00} payday loan I took out a long time ago from XXXX XXXX XXXX back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called VeriCred Solution and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the XXXX using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XX/XX/XXXX Received alert notice someone attempting to take out {$1000.00} from my XXXX. Call back and stopped active since I did not authorize that transaction. While speaking with dept noted a {$4800.00} check written on my acct XXXX and {$1800.00} on my daughter 's account ( that was cleared and returned ). Asked them to stop that check because it was a fraud, I never authorize that check. I was told that they can not do anything it is in the system. I can now file a claim when the {$4800.00} is taken out of my acct. 
XX/XX/XXXX the bank went ahead a clarr the check and give the person the money {$4800.00} out of my banc acc XXXX continue to ask the bank for my money, my online banking was closed. Left open was the acct that was missing money. And now all my bills I previously sent out started bouncing and returning.by XX/XX/XXXX the bank is sending me letters demanding their money for bounce check and overdraft. I'm negative XXXX. 
XX/XX/XXXX called again filed another claim for another XXXX $ again taken out of my acct with yet another check taken out on my bank acct fraudulently. Claim # XXXX I was told this was to be expedited XX/XX/XXXX and XX/XX/XXXX called to see status since I Am now blocked from online banking. No change again my acct cont to be compromised and the still researching. 
XX/XX/XXXX called again now a NCS block was placed in my account. Also told me ai have to put {$700.00} in my account to cover overdraft since that is what I owe. Now returned money of XXXX $ from my gas and XXXX from XXXX. Was returned and credit to my acct. Made formal complaint to banking Claim XXXX XX/XX/XXXX called again and was told that my request was refused. Again while speaking to the costumer svr He mention that it was {$10000.00} to which I corrected him. We now learned that the claim was file twice. One for the {$4800.00} and one for XXXX. I was denied my money back. Citizen owe my XXXX XXXX credited to my acct and all overdraft and fees they attached to my acct. 
This has cost me hardship, I am now late with and agreement that I have finally able to work out with my light and gas. I had a vacation starting onXXXX XXXX that I may not go with no extra money I had in my acct to spend. This has ruined my plans significant. More angry that Citizen was aware of the fraud and continued to allow this to happen. I had no bank check associated to these bank acct, how did the accept checks. 
Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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: AMERICAN EXPRESS COMPANY (CT)

On XXXX there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. XXXX XXXX illegally and negligenntly simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (MI)

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance {$73000.00} ; XXXX XXXX XXXXXXXX Balance {$20000.00} ; XXXX XXXX Balance {$17000.00} ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Bankruptcy XXXX Dismissed ; XXXX XXXX Balance {$17000.00}
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

My credit score keeps dropping even after all 10 inquiries were removed after being on my report for 2 years. I pay my creditors on time, in full every month. My score should be in the high XXXX 's. 
Thank You Kindly!
Consumer complaint received 2019-05-24
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. (WA)

I got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX of Washington but I know nothing about this debt and have never done business with them.
Consumer complaint received 2020-02-16
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: Colony Brands, Inc. (MA)

XXXX XXXX claims that I included the account that appears on my credit report in ch XXXX bankruptcy, first of all that is not the proper way of verifying an account, I asked this company to provide me with the original contract bearing my signature. I dont want to hear what they have to say about a ch XXXX bankruptcy, this account was opened in XX/XX/2013, and it is being reported as XXXX XXXX. As it is required by law and by the FCRA also, I demand to see the original contract that shows my signature in wet ink, where is says that I opened this account and that I ever had a contractual obligation with this company. If this documentation is not available, I demand that this company tells the credit bureaus to delete the account from my credit reports. By law my signature is required for every account that is showing on my credit report and I demand to see the documentation.
Consumer complaint received 2019-10-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (LA)

On Monday, XX/XX/2019 I received a sales letter from Village Capital and Investment, LLC. The letter was designed to mislead me, a veteran, into accepting an IRRR loan. 

I shared my information with them. I agreed to nothing. I was told I would be contacted the following day. I did a XXXX search and ran across this article. I am contacting to say that this company is still trying to swindle myself and fellow veterans. 

Please put a stop to this company. If I have any other complaints due to them now having my information and using it against my will what can I do in that situation? 

Thank you in advance for promptly answering my question. Have a blessed day!
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (CO)

Round Point mortgage servicing refuses to acknowledge two inaccurate late payment marks on my credit report. I have been trying to get information and resolution for over a month. I have filed disputes with all three bureaus as well. Most recently I spoke with XXXX and was bounced around a call center for an hour. Still, nobody is able to help me. This is fraud on the part of Roundpoint mortgage servicing, and some quick research shows that they are a cut rate institution, and I am not alone in my complaint. 

I am under contract on a home, and their inaccurate and disingenuous practices are preventing me from obtaining a loan.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

There was a previous reporting on my credit report from tropical financial credit union which was resolved and should have been deleted. When I disputed the item it was then placed back on my credit and I lost almost XXXX points on my credit. Please get this item removed from my credit history
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity Properties Inc. (OH)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX XXXX, Attorney General, and FTC
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I purchased my home XX/XX/XXXX. Since my purchase, my loan has been sold twice, first to XXXX XXXX XXXX & this last time to Carrrington Mortgage. Looking through the paperwork that I received in regards to the sale I think Carrington Mortgage purchased my loan XX/XX/XXXX but my first letter of contact from them was XX/XX/XXXX. While XXXX owned my loan they pulled my mortgage payment from my checking account twice a month, the XXXX & XXXX for the amount of {$1300.00}. My last payment made was XX/XX/XXXX made to XXXX. I assumed that Carrington would continue to honor the payment arrangements. When next payment came up on XXXX XXXX no payment was removed. I waited a few days assuming that things might be a slow because of the sale. I finally called Carrington regarding the payment not being pulled & was informed that I need to re-apply for this service and that because I was behind on the mortgage they would not consider me until I was caught up. When I inquired about being behind they told me that because they had yet to receive the XXXX XXXX payment I was now overdue ( XXXX pulled this payment on XXXX XXXX and Carrington took over loan on XXXX XXXX ). I was also informed that I had an escrow shortage and that my payment was going to increase. As of XXXX XXXX I will be a little over $ XXXX late on my mortgage. I have cashiers checks for XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX but I 'm not allowed to make these payments because Carrington does not accept partial payments ( XXXX XXXX is still missing according to their records ). We are risking our credit and losing our home, but would like to see Carrington continue to honor the same terms of our loan that was established with XXXX. We would also like to see them take the partial payment XXXX pulled and apply it to XX/XX/XXXX. When that payment is applied we could then catch up on our loan with the cashiers checks that we have.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I have contacted Equifax on numerous occasions and had the landlord contact them to state that the judgement listed on my credit report needs to be deleted. It was not a judgement, it was where I went to court because I withheld rent until repairs were made. I was awarded XXXX and paid the rent as determined by the judge. The way that it is listed on my credit report makes it appear as though they took me to court for not paying rent.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Went to  XXXX  ATMs to make a cash deposit but it says it was unavailable. Made a transfer online as a last resort yest, yet got hit with a {$35.00} overdraft. This is definitely a sca m, Wells Fargo  finds a way to charge {$35.00} even when deposit is made the same day but they change the date to make it post next day.  Wells Fargo  does n't give you advance notice so you can cover your account before you get hit with the {$35.00}. They do whatever it takes to overwidraw your account including removing pending transactions and posting them once your account is under the pending amount without a notice to cover it that day. I posted examples on social media and I will post some more very soon
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (MO)

XX/XX/2017 reported on my profile for a medical debt that I have or had no idea about. I have disputed and had investigated by XXXX   and XXXX which ended up not finding the valid so it was deleted from my profile, however Equifax has yet to remove/delete. They are still listing the debt which is impacting my profile after it has been found not valid.
Consumer complaint received 2024-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc. (CO)

I had a partial claim through XXXX  XXXX XXXX when I was sold to Servis One Inc dab BSI Financial which BSI said they didnt get the partial claim until XX/XX/XXXX they bought my mortgage on the XXXX of XX/XX/XXXX. They drug it out with new modification offer in XX/XX/XXXX. They offered to take XXXX off principal which would lower my payment as well as paying up my behind payments with a new partial claim never honored the partial claim I approved through XXXX  XXXX and the fha. It was verbal when I received the documents they took the XXXX off and added it to the partial claim so it would not be the XXXX it would then be XXXX it was deceptive. I declined the offer. They drug the loan modification out til XXXX had a signed promissory note through the fha and XXXX they didnt help me.i was in forbearance. They took me out of forbearance no letter telling me I was out of forbearance. The final partial claim we signed was for XXXX. Felt we had no chose. Then they received XXXX dollars allegedly from the fha . When in reality Servis One Inc. is the lender and services of the XXXX partialclaim. Also they sent a curtailed payment of the difference and said they paid it back to the government when it was them all along but they said me and my husband paid that payment. Said the government gave them too much but only after I called them on it. They are doing the same thing cfpb took them to court for in XXXX. Im in loan modification now I applied in XX/XX/XXXX. And here we are in XX/XX/XXXX still no answer Im under the impression that it was to be done in 30 days with some solution. It isnt happening and they sent me an intent to foreclose and the prior to intent to foreclose were done on the same day. I was also understanding that they cant foreclose while in loan modification. Its not fair they keep upping my mortgage payment and making it hard to make payments.charged me home inspections 1 a month and 3 times a month at times I first time I saw A home inspector was last week ever.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022 from XXXX XXXX XXXX account number XXXX. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

On XX/XX/2022 I submitted to Equifax an application I received from their website to place credit freezes on my XXXX  XXXX childrens ' accounts. The application and an FAQ on Equifax 's website directed me to submit the form via mail and to include supporting documents with the application, which included copies of birth certificates and social security cards for myself and each of my XXXX  children, which I did include. I sent this information via certified mail on XX/XX/XXXX and per the USPS it was received by Equifax on XX/XX/XXXX. 

On XX/XX/XXXX, I received letters ( one for each child ) from Equifax telling me that they were unable to process my requests to place the freezes. The letter does not say why they were unable to process the request. The letter asks that I submit additional information. I had in my original application supplied the required documentation. Both the application and the FAQ from Equifax website clearly state that the information I originally provided was sufficient ( birth certificate and social security cards ). 

I attempted to resolve the issue by calling the Equifax phone number provided in the letter. My first call was not resolved because the agent I initially spoke to was transferring me to a supervisor, who did not pick up the line. I was on that call for 30 minutes. My second call also was not resolved when the initial agent was to transfer me to a supervisor and also call was not picked up. That was a 20 minute call. The third call I made the initial agent refused to transfer me to a supervisor. Another 20 minute call with no resolution. In all cases the agent only referred me to the letter I received in the mail and instructed me to submit more information. In all cases the three agents had heavy foreign accents and did not seem to comprehend the issue or questions I was asking, why I asked for a supervisor each time. 

Is Equifax intentionally misleading in their information on their website, by not providing clearer instructions? Why is this process so difficult when it is so important to protect my childrens identity? Is Equifax more incented if there is future fraud on my childrens accounts versus protecting them now? Should I be comfortable providing personally identifying information to overseas customer service agents?
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTIONS UNLIMITED OF TEXAS INC (CA)

On XX/XX/2019, I noticed a new collection showing on my XXXX credit report. I called them to find out what it was for, and they stated it was a water bill for a home in texas. I did live in XXXX XXXX Texas so I did recall the bill, but never received proper notice of this debt. 

I asked what address they sent the notice to and ironically they sent it to the same address the services were provided, which of course I never received because it moved to California. I agreed to pay the debt and they agreed to remove the account from my credit report. This was in XX/XX/2019. 

Well as of XX/XX/2019 they never updated my credit report and it still showed that I owed the balance. They never even updated it. I disputed it with XXXX   and XXXX verified the account as accurate but updated the account as if I paid it in XX/XX/2019, instead of XX/XX/2019. I argued with XXXX that this should be deleted and they told me to take it up with the creditor. 

I called Collections Unlimited 7 times on XX/XX/2019 and everytime I pressed " 0 '' for the operator I kept getting looped back to the main menu. I was never able to get a live person on the phone, so I have no choice but to ask the CFPB for help in resolving this matter.