davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

The problem over these lasts days me and my husband have been trying to do a settlement but it seems that they don't take it serious as they seem to take our personal financial problems as some kind of joke like for example when the supervisor asked my husband why did he wanted to help me with my debt and he responded because she's my wife the supervisor just did a quick mock laugh and obviously after telling the representative the situation that we are in and hearing him doing a quick mock laugh it just made us feel so bad and sad because we are going trough a hard time already and been treated like that by someone that is supposed to treat us with respect but instead get treated the way we got treated we just felt taken as a joke, Also I feel that the way and tone that they ask their questions is not very good as I could say and no other person should be treated like we where during that call, we've also made three calls before that one and one after that one that is a total of five calls that me and my husband have been trying to tell them to please remove me from the XX/XX/XXXX phone line and that I would like to speak to a domestic representative, I've made myself too clearly with them but for some reason they just say that they have done it and I feel that they they have just put a note on my file to speak in XXXX because when I called for the forth time we were told that they where not domestic and when my husband called last time to XXXX XXXX her direct number XXXX and asked her twice if she was a domestic representative she tried to cover herself saying that she was someone that could help me so my husband had to ask her like two or three times I don't remember how many to be honest and she said the same thing and them said that she was not domestic or as I remember can remember I've just been trying many times to get a settlement offer of {$450.00} to settle in full as a one time payment with someone serious that could really help us because I'm not sure if they're even saying the truth to me since I've caught them trying to lie to me and my husband or if the last deal is really the last because I know that they can go lower considering our situation and the fact that we feel not treated serious makes me feel unsecure to deal with Midland, also I don't know why I was put in the XXXX  line first of all, It may be because of my name but I want to make clear that I'm not soo good with XXXX.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (UT)

I have expressed several times my discomfort with the company that manages apple card because they do not solve the problem of underregistration that causes a decrease in me. credit report, after insisting several times to solve the problem generated by themselves due to an improper charge they made for the amount of XXXX dollars and without authorization they returned that money to my account, money that was not mine because in my account only had XXXX dollars, money that belonged to the bank and that XXXX bank paid virtually, in the following days XXXX bank returned that money so that my account can remain in the real balance, months have passed and my apple card account continues to reflect a value that was not the real one.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions
Consumer complaint received 2024-02-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (WI)

XX/XX/2024 {$1800.00} I call carrington mortgage To ask them to stop a payment on my account because XX/XX/XXXX XXXX XXXX Account will not release a payment for XX/XX/XXXX XXXX of {$1800.00} For my mortgage and it really upset at me. Because they put me as a bad negative So this time I wanted to make sure the money was getting too XXXX soon as possible. So they told me they had 3 ways. They can get the money soon as possible whiches XXXX XXXX XXXX wired Transfer So I did XXXX XXXX on XX/XX/2024 I get all my payment at the end of the month I'm very upset because I didn't need this to happen again this company have done ththis to me three time and I'm very set I don't get no help from this company at all I have been paying my mortgage every end of the month. Even pay late fees because my payments come at the end of the month. I can send you over every bank statement from the time that I moved into this home until now and you will see. Always paid at the end of the month. I'm just frustrated because they won't help me. But they keep dragging me my credit to the ground. I feel like they want me to stay with them. Because I want to transfer my mortgage to a company that really cares about their customers. Because this company really doesn't care about that customers at all they don't look for thing when u ask them to I just need to find a local company so I can leave this It's horrible company because there no help. I'm goingna send over everything that I receive. And I would like for you guys to do some investigations on this company because it's starting irritate me because nobody 's understanding the customersituation when they seize that I paid this mortgage every end of the month I'm trying to get this company to understand I'm paying my mortgage but they're not trying to help me so at this point I don't know what I want to do. I'm about ready to just file XXXX  XXXX and go back to XXXX. Because I don't like the way i'm being treated with this company
Consumer complaint received 2022-05-03
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 (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

We check our balance on XX/XX/XXXX and it had {$240.00} on the account we made some food transactions that were deducted. We checked the balance same day and made a deposit for {$300.00} on XX/XX/XXXX. We have attached our deposit slip. After that deposit we made a payment for car payment.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX, my mortgage bank : XXXX sent me a written notice informing me that they have transferred my mortgage account which I have had with them since XXXX, to another bank : XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX provided me with a XXXX new account number : XXXX for me to use in my upcoming dealings with XXXX and to pay my next month 's mortgage. About a week ago, I received a notice from XXXX, a credit score maintenance entity, informing me that EQUIFAX has reduced my credit score. Upon my follow up with EQUIFAX, I found out that they listed my mortgage with XXXX as fully paid and therefore the mortgage account as a closed account, and according to EQUIFAX, such event resulted in lowering my credit score by 6 points! 
I contacted EQUIFAX right away and supplied them with all information showing I never paid off my mortgage and XXXX transfer of my mortgage account to another loan servicing entity ; I also provided them with the new account number of XXXX ( XXXX ). Im yet to know the result of EQUIFAXs follow up investigation. 
Since I have never paid off my mortgage, the mortgage account could not possibly had been closed as claimed by EQUIFAX, and as such EQUIFAX must correct its incorrect records to reflect the internal transfer made by XXXX   which I had nothing do with, and which according to EQUIFAX, affects my credit score negatively.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Well this is the second time Im complain with CFPB, I definitely I need help Bank of America closed my business account in XXXX XXXX, with out email me any notice, the its hold the funds from my account, me end my family its going true very touch time right now, I call more then XXXX times to Bank of America, I went to Bank of America branch more the XXXX times the never gave me my money back, this its not legal hold customer money for over 7 months, the should pay for all the medical condition my wife is going true, she lost her job not corrent work, end the just dont care, Im going need find attorney to help us if CFPB can not please help us
Consumer complaint received 2022-05-03
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. (PA)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XXXX- XXXX ; XXXX 2.XXXX XXXX- XXXX 3. XXXX- XXXX 4. XXXX XXXX  XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX 7. XXXX  XXXX 8. XXXX ; XXXX ; XXXX 9. XXXX XXXX 10. XXXX- XXXX 11. XXXX XXXX  XXXX 12. XXXX XXXX 13. XXXX 14. XXXX 15. XXXX XXXX  XXXX
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NY)

On XX/XX/XXXX I submitted a SAVE application, to date it has yet to be processed. During this time MOHELA has been reporting interest to the credit bureaus although there is 0 % interest accrued while in administrative forbearance. I contacted the company via telephone on XX/XX/XXXX after being notified by my credit monitoring company that there was an increase in my loan balance due to the interest being applied. The representative apologized and said she'd have to transfer me to the Department that handles credit corrections. I was never able to speak with a representative and the issue was never fixed. I can still see the interest reported on my credit report. 

I strongly believe MOHELA is purposely dragging its feet on processing SAVE applications so they can charge additional interest to accounts. Four months has already passed and there has been no progress on my application.
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio recovery continues to report a fraudulent account on my credit report and continues its refusal to correct this matter. I have made a previous complaint with the CFPB complaint number XXXX and provided supporting documents regarding my claim along with proof of delivery via USPS certified mail. The attachments include my letter to Portfolio recovery disputing the alleged debt along with a copy of a completed FTC ID theft report and police report. Portfolio recovery responded to my complaint by denying any receipt of a completed FTC fraud Affidavit and police report even after providing delivery confirmation. Portfolio recovery also denied changing the account number for purpose of deceiving the credit bureau into reporting a blocked collection account, yet the collection is still being reported on my credit bureau report with a different account number other than the original disputed account number which was blocked on my credit report per [ 15 U.S.C. 1681c2 ]. 

THIS COMPLAINT INCLUDES ATTACHED COPIES OF MY FTC FRAUD AFFIDAVIT AND POLICE REPORT ALONG WITH THE DISPUTE LETTER TO PORTFOLIO RECOVERY AND PROOF OF DELIVERY VIA USPS CERTIFIED MAIL ARTICLE # XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery is not being truthful in its response to my previous complaint and did infact receive these items and sign for them. Please review attachments to verify my claim before accepting portfolio recovery 's denial
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I have requested that Experian and XXXX remove an account that XXXX had removed from my credit report, and Experian and XXXX did not respond and/or they claimed the account will remain on my report. I asked Experian and XXXX for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2020 I discovered a fraudulent account in my name issued by Wells Fargo. I have notified Wells Fargo of this fraudulent account and submitted Identity Theft documents
Consumer complaint received 2018-10-14
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. (MO)

The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}
Consumer complaint received 2018-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (WA)

In XX/XX/2015 I attended a continued education program through my union and got hurt while I was there so I visited the hospital and got looked at. The hospital ( MARYLAND XXXX XXXX ) gave me the bill and I gave them my current XXXX XXXX insurance number which was up to date which then my insurance took care of it. This debt collection has been showing up in my credit reports for the past 3 years and and is causing financial hardship.
Consumer complaint received 2021-03-05
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. (TX)

There are two late payments listed on a XXXX XXXX XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2021-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I got approved for a refinance auto loan at USAA in the amount of approximately {$56000.00} at APR of 0.48 % however the loan was done in my old name even though I sent the document of my name change to USAA several weeks ago and they have not updated it. Now my loan may likely be canceled and I will not be able to receive the refinance loan even though the error was done at the institution. The car title and loan at the other institution is in my new name as all my other documents however USAA either refused to approve my name change or drop the ball and I am very disappointed.
Consumer complaint received 2018-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

XXXX XXXX is not responding to my inquiries regarding Public Service Loan Forgiveness. I have twice submitted documentation regarding my public service employment via upload on their website. I waited for several months to hear something, requested a response, and was told I needed to wait some more. Meanwhile, qualifying payments are not being credited to my account, delaying my ultimate loan forgiveness.
Consumer complaint received 2018-10-14
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: WHEELS FINANCIAL GROUP, LLC. (CA)

XXXX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

XXXX states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. XXXX refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I pulled my credit report and an account to XXXX XXXX XXXX is showing past late payments in my credit history. I sent a letter to all XXXX major credit reporting agencies to dispute the accuracy of the account and asked them to provide proof of the late payments that are being reported in XXXX. These letters were sent via certified mail on XX/XX/XXXX and to date I have not been provided with the information requested nor has the item been removed from my credit report.
Consumer complaint received 2018-10-14
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. (CA)

Equifax credit reporting agency will not remove inaccurate accounts from my credit report that I have filed identity theft for and disputed. XXXX XXXX XXXX, XXXX is listed three times on my credit report. 1. XXXX XXXX XXXX, XXXX for {$390.00} - 2. XXXX XXXX {$620.00} - 3. XXXX XXXX XXXX XXXX  {$620.00}. Two of these account have the same account number, amount and the same information. 

The other two major credit reporting bureaus have removed these accounts and updated my credit file, but Equifax still shows these three accounts and it is affecting my livelihood. I am in the process of purchasing a home and have been denied twice, due to Equifaxes incorrect reporting errors. 

On XX/XX/2018 I informed Equifax once again that I am a victim of identity theft and faxed them a copy of my Drivers License, Social Security Card, a current bill with my name on it and my FTC Identity Theft Report. I placed a security freeze on my credit report and took all the necessary steps that I was advised to do take by the FTC Federal Trade Commission.
Consumer complaint received 2018-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (WA)

This company XXXX XXXX XXXX Account # XXXX Is reporting inaccurate information on my credit report which I do not recognize. They are reporting that I owe {$490.00} from XX/XX/2018. 

Please reinvestigate this company from top to bottom or remove this negative item from my credit report as soon as possible. It has ruined my credit score.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MD)

On XXXX XX/XX/XXXX, I received a letter from Innovis ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) dated XXXX XX/XX/XXXX. 
" Per your request a Security Freeze is in place on your Innovis Credit Report. We are writing to inform you that the following information was recently added to your Innovis Credit Report -The Birth Date XX/XX/XXXX was added on XX/XX/XXXX I do not have a relationship with Innovis XXXX 
I did not request a security freeze I did not add a birthdate. 
In order to challenge this information, Innovis wants copies of my Social Security Card ( I have been told to never provide a copy of my SSN ), Driver 's license, address history, and the PIN code from the freeze. Since I didn't initiate the freeze, I don't have the PIN. 

I am the recent victim of identity fraud and severely limit the distribution of my information.