davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, Equifax, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. I the original creditor, am submitting this complaint myself. Please do not disregard this complaint as done previously.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WI)

I have filed a complaint with CFPB, earlier ( Nos. XXXX & XXXX ) Upon the receipt of a letter, dated XX/XX/2022 from Discover Card Executive Office of Customer Advocacy requesting payments for unauthorized/unrecognized charges, I would like to upload additional documentation along with a copy of my letter to XXXX XXXX, XXXX Office of Customer Advocacy, Discover Card Corporation . As I have included details concerning several points worth of attention. Thanks. 

Regards, XXXX XXXX
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BMO Bank, N.A. (MN)

BMO Harris is inaccurately reporting information to the credit bureau on XXXX loans. My XXXX credit report, dated XX/XX/XXXX, indicates that I have scheduled payments that are past due. This is untrue. Further, it reports that both loans have 25 year terms, which I believe is also untrue. My XXXX BMO mortgage loans both matured on XX/XX/XXXX and no longer require regular scheduled payments and this is validated by my monthly Mortgage Statements from BMO Harris, which do not show any monthly amount as being due. It is true I have a balloon payment that is due and I will work with the bank to resolve it. However, what is being reported to the credit bureau is false and needs to be corrected.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

We are facing foreclosure on the home sale date of XX/XX/XXXXXXXX XXXX. Aside from many other problems recently we lost a family member to XXXX XXXX XXXX XXXX XXXX was a resident of this house for 16 year her name is on the deed of this house. 
In Order to postpone the sale date so that we pay off the loan here is what we did. 
XXXX. We sent Select Portfolio Servicing proof of where the funds may be coming from. 
XXXX. We also inform them XXXX XXXX left another property which is up for sale and we intend to use funds from that sale to pay off property at XXXX XXXX XXXX  XXXX which is set XX/XX/XXXXXXXX XXXX auction, that was XXXX XXXX last wish XXXX. We also sent them a pre-qualified letter from a Mortgage company that potentially is approved for {$530000.00} to buy this property for us. 
What SPS did not do : XXXX. Never offered a payoff amount XXXX. Did not offer forbearance option XXXX. Did not acknowledge receiving any of these documents This complaint against their so-called Ombudsman department according to the SPS Ombudsman supposed to help the consumer but sadly reality is something different. SPS is engaged in accruing underperforming mortgage from Banks only to foreclose them but many times they deceived the consumer led to them believe they are help them. The SPS Ombudsman Department is involved in fraudulent practice and we demand a thorough investigation of their activity.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Ive had a CHIME account for over a year now with no problems. Two weeks ago, they requested my driver 's license and a w-9 because the IRS couldn't verify my information. I gave it to them. They sent me this email 4 times. I complied. I then called CHIME to verify. I was told the emails didn't come from them. Two days ago, I got a notification that there was suspicious activity on my account, and to check my email for further action. It was the same email asking for my driver 's license and w-9. I have called five times, and they say i will get another email. All of the emails are the same. I have them all saved and can provide them if neccessary. I also let them know that i was recording the phone calls for my own purposes. I have a gentleman saying that they actually DID verify my information, and the reason they haven't unlocked my account is because the company is dealing with heavy workloads right now. I got notifications from XXXX and XXXX that my CHIME has been disconnected from both. I lost over XXXX dollars. This isn't right.
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (GA)

In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX, Georgia, to make an appointment for a recall transmission service of a XXXX XXXX XXXX. Recall transmission repairs have been done at this same dealership in the past. I was unable to drive the car and was given an appointment to drop the car off on XX/XX/XXXX, which I did. I immediately requested a loaner vehicle and was told one wasnt available. After, several weeks I was approved to receive a rental through XXXX but can not use that rental care company due to owing a balance. I had a similar issue in the past with XXXX, who immediately allowed me to rent a car through XXXX. 

I was eventually informed I could rent with another car rental company and receive reimbursement. However, I did not receive this information in writing, and it would incur thousands of dollars upfront with no clear standard on the rental process or when I will receive reimbursement. This is not feasible considering I am still paying the monthly note to Navy Federal Credit Union and the insurance while the car is inoperable. 


My most recent attempt to resolve this was on XX/XX/XXXX at the XXXX XXXX XXXX, where I was given the contact information to XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. I made two calls to XXXXXXXX XXXX XXXX. During the first call, I have informed XXXX at XXXX XXXX XXXX was instructed on how to approve a car rental through XXXX based on the extenuating services the manager would assist. I was told no case number could be provided because all rentals are handled on the dealership level. Following this call, I immediately texted the manager, XXXX, about this encounter and called XXXX XXXX XXXX and asked to speak to XXXX. I was informed there were no employees with that name. 

I again called XXXX Customer Service and was informed there was no record of my previous call. The representative attempted to contact XXXX XXXX XXXX and stated they could not reach anyone. I also called the XXXX XXXX XXXX XXXX XXXX and was instructed to file an online complaint. 


I would also like to make it known I am a Registered Nurse and frontline worker and must travel from XXXX XXXX to XXXX to work, at least 40 miles one way. This hardship has created tension at my workplace because I can not take any time off due to the pandemic. There is also tension in my relationships as I beg for rides and provide them cash, increasing my debts. Since it has been almost three months with no anticipated end date due to the needed transmission module, the suitable option would be Navy Federal releasing me from this loan with no debt owed.
Consumer complaint received 2022-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants & Medical Credit at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$2400.00} and a second account in the amount of {$570.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... .....
Consumer complaint received 2022-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

I have sent them paperwork to prove that this account is not mine and they still try to attack me for this payment. Claim it was sold to another company but was charged off. I am confused. I asked them for paperwork like doc notes, my social security, something. they gave me a letter with info that was sold to them.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MD)

So I had an old credit card debt that turned into collections when I wasn't the brightest when it came to credit or paying stuff off. I asked the bank what my options were because I was going through a tough time and somehow a {$300.00} limit turned into a {$680.00} collections bill with no explanation and years of interest added on. Shortly after in the coming months they then contacted an old work place in which 2 people other than me answered the phone. One of which was my brother and another employee who has no relationship to me now found out information about me and that I owed debt to a collections agency. I got into a big family XXXX  because of it and ever since I've been traumatized by this experience. I get a text from my baby cousin who was around XXXX at the time saying someone called him during school hours asking information or whereabouts on me because I owe someone money he was scared and hung up the phone. Now they said they served me papers but unfortunately for them I don't live with my parents and haven't for awhile. I'm trying to find a lawyer now because they issued a writ of garnishment for my employer.
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TN)

I sent a letter to Caine & Weiner requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Caine & Weiner is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

SPS Servicing has been awful. I had my loan transferred to them and they have not applied payments to my account and consistently raise payments and increase escrow as well as homeowners insurance. They even deducted more money in one check I wrote electronically. They also are not applying my payments when I have deposited checks shown!
Consumer complaint received 2023-06-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NY)

Closed on home XX/XX/21 with Roundpoint Mortgage. 
XXXX ( XXXX XXXX ) did not lock rate at 2.875 as he was supposed to and then tried to lock in 3.00 % which I did not agree with and he refused to honor the 2.875 % I had to beg to speak with his supervisor ( XXXX XXXX ) who then agreed to the 2.875 % rate. 
However, they did not inform me that I would be charged for the rate. 
They added an additional {$4200.00} ( 0.78 % ) onto the closing costs the day of closing. 
This is illegal, they were supposed to inform me they would be charging for the rate and provide the disclosure at leat 3 business days before closing - not the day of.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I Have been trying to get All three Credit reports for 3 years now and Excuses have been made and access denied. 
Now my identity has been Stolen. I reported identity theft for Myself and my dead granparents. I have the report numbers. I reported it to. FTC and to the Fbi. I was part of an equifax data breach of my grandmothers in 2017. Now i got part access to one report. A Manager from equifax used my informatiom and allowed someone to open accounts in my name and Withdraw and transfer money. XXXX XXXX XXXX at Equifax. The Managers should be monitored and checked. Now that they are done collecting and transferring money and spending accounts in my name i Can access part of one report. Nebraska XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and a few other. I couldnt have access but someone else could?
Consumer complaint received 2022-01-23
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. (MD)

XXXX XXXX XXXX is in violation of Section 602 15 USC 1681 ( a ) accuracy and fairness on credit reporting. I demand you remove all the accounts attached in the documents below immediately. Pursuant to 15 USC 1681n section 616 of the Fair Credit Reporting Act any damages can demand remedy fro {$100.00} to {$1000.00} for each violation.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I called Transunion to followup on a letter I sent XX/XX/XXXX ... about fraudulent inquiries on my credit report. I did not approve these inquiries to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized. I have reported the theft of my identity to the FTC. Please review the enclosed copies of the identity theft report regarding this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.
Consumer complaint received 2022-01-23
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX is in violation of Section 602 15 USC 1681 ( a ) accuracy and fairness on credit reporting. I demand you remove all the accounts attached in the documents below immediately. Pursuant to 15 USC 1681n section 616 of the Fair Credit Reporting Act any damages can demand remedy fro {$100.00} to {$1000.00} for each violation.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a capital one credit card. I have not used in one year. The fees are over {$80.00} per month I pay {$100.00} and my balance keeps going up. I called them in XX/XX/2018 they said I qualified for {$74.00} per month to pay off my card. They put me on hold and hung up. When I called back they said I no longer qualified because the call was not completed. I reached out to cfpb XX/XX/2018. Capital One called me after this complaint # XXXX and agreed to close my account and offer me the {$74.00} per month payment and 7.4 % interest from what I have now around 23 % interest. I called four times as they said I would receive agreement in mail. I do not feel comfortable in making a payment until I recieve agreement. Last week I called capital one again and was told it will take effect in XX/XX/XXXX and paperwork would arrive in XX/XX/XXXX. I am attaching paperwork I received XX/XX/XXXX which is not an agreement but a letter stating what I owe. I need to resolve this and get rid of this debt, capital one is giving me the run-a-round and totally causing undue stress to me. This is unacceptable.
Consumer complaint received 2022-02-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For months now I have been trying to get XXXX to remove and acknowledge their derogatory comments on my credit file. XXXX wants consumers in debt. Prior to my paying off my auto loan and paying down my credit cards these comments were never displayed on my file. " All of a sudden '' as I have paid off nearly all debt, my score has dropped from XXXX with debt to XXXX with no debt. XXXX continues to ignore my request to justify why they are reporting such things. They also fail to amend my old statement add my new consumer statement to my file as requested. Balances on my file are also incorrect but my statement needs to be added seeing XXXX fails to explain their reporting.
Consumer complaint received 2022-01-23
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)

So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX per month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX points in one fell swoop? From XXXX to XXXX? 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.