davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
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: Experian Information Solutions Inc. (GA)

ON XX/XX/XXXX I PULLED ALL THREE OF MY CREDIT REPORTS AND NOTICED SOME ACCOUNTS, ONE ACCOUNT THAT IS LISTED IS FROM A COMPANY CALLED XXXX XXXX XXXX. I DISPUTED THE ACCOUNT. XXXX AND XXXX XXXX RESPONDED ON XX/XX/XXXX AND THE ACCOUT WAS DELETED DUE TO THE COMPANY NOT PROVIDING PROOF THE ACCOUNT BELONGED TO ME. EXPERIAN ON THE OTHER HAND RESPONDED BACK SAYING THE ACCOUNT WAS VERIFIED AND ACCURATE AS BELONGING TO ME. I ASKED FOR PROOF AND THEY DID NOT RESPOND TO ME. I AM REQUIRED BY FCRA TO REQUEST ANY KIND OF PROOF DURING A DISPUTE PROCESS. EXPERIAN FAILED TO SEND ME ANY INFORMATION. THE ACCOUNT THAT IS LISTED ON MY CREDIT REPORT DOES NOT BELONG TO ME.
Consumer complaint received 2020-12-13
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: Diversified Adjustment Service, Inc. (PA)

Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, Diversified Adjustments placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (IL)

current balance is XXXX ocwen is reporting XXXX which decreased my score 80 points and had a problem getting a job. The law states that the mortgage company needs to report within 60 days they also do not, they are 90 days ...
Consumer complaint received 2018-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC (MO)

On XX/XX/18 XXXX XXXX called one of my references and informed them i am behind in my payments and disclosed how much i owe them. The reference they called was a family member that had no right to know how much i owed or inform them of what type of loan i had with them.
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Residential Credit Opportunities Trust (OH)

I entered into a Covid forebearance plan with XXXX XXXX servicing in XXXX. The mortgage was then sold to XXXX XXXX XXXX and the forebearance plan continued until XXXX of XXXX when the plan reached the end of the allowed time. I reached out to XXXX to explore options for repayment of the forebearance and they informed me that the loan had been sold to Residential Credit Opportunities Trust VII-B at the end of XXXX and that I would have to contact them for options. This was the first time I had been made aware of the transfer of the mortgage to residential credit opportunities trust VII-b. I contacted them and asked what options were available to me for repayment of the forebearance and they told me that they were just the servicer of the loan and that they didnt have any options available to me. They said that they would foreword my request to the proper people and that they would be contacting me within 10 business days with my options for repayment. I was told that I would receive a phone call and an email with these options, I never received either. Ive tried to contact residential credit opportunities trust VII-b several times since then and they always put me through to the case manager where I always get their voicemail and they wont return any of my calls.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I have been blocked from using the full services of USAA banking online etc since XXXX. They have claimed it to associated from an Insurance underwriter blocking me when I supposedly was involved in a crime while insured with USAA. I have called, emailed, chatted on FB etc with them and they still will not figure this out. I am being discriminated by having a crime that I have completed my sentence/parole etc. This has also brought complications to my familys accounts as well. 

XX/XX/2018. USAA replied with the following. In your submission, you state that you have been blocked from using USAA online banking services. You contend that you were advised the restrictions originated from an insurance underwriter who blocked you because you were supposedly involved in a crime while insured with USAA. You add that you have tried communicating with USAA and this has not been figured out. You ask for USAA to restore full access or provide information to show how these processes are reviewed and implemented. Mr. XXXX, the USAA Federal Savings Bank is unable to address your inquiry about the restriction on your account as this pertains to an insurance product. The FSB was notified that the appropriate party reviewed and attempted to respond to you about this matter. If you have additional questions, we remain available to assist you. 

How is USAA Federal Savings Bank not able to address my inquiry about the restriction on my account as this pertains to an insurance product? USAA owns or is a parent company that owns the Insurance Company. When and how did the appropriate party reviewed and attempted to respond to me about this matter? Who is the appropriate party you speak of? Please show me or tell me how this was done. You say you are will to assist, ok. Who do I contact about flipping the main switch to allow me access to full online banking? Do you run background checks on all your customers? If not, I see that you are discriminating against me. How can we fix this?
Consumer complaint received 2018-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I CALLED TRANSUNION TONIGHT TO DISPUTE MY CHAPTER XXXX FROM XX/XX/2013 XXXX COUNTY, NEVADA AS ALWAYS WHEN YOU CALL TRANSUNION YOU ALWAYS GET SOMEONE O THE LINE WITH A THICK ACCENT SOUND AS IF THEY ARE MIDDLE EASTERN. I HAVE A HABIT OF RECORDING THE CALL FOR LEGAL PURPOSES. I RECORDED THIS CALL. I ADVISED THE REP. THAT I WANTED TO DISPUTE MY XX/XX/2013 BANKRUPTCY FROM CLARK COUNTY NEVADA I EXPLAINED TO THE REP 3 X WHY I WAS DISPUTING. AFTER 30 MIN OF TRYING TO GET HIM TO UNDERSTAND HE ADVISED ME OK MAAM I WILL SEND YOU A CREDIT REPORT, I ADVISED I DIDNT ASK FOR A CREDIT REPORT XXXX I WANT TO FILE FOR A DISPUTE I HAD TO HANG UP ON THE GUY BECAUSE HE WAS NOT UNDERSTANDING. TRANSUNION IS REPORTING THIS CHAPTER XXXX FROM XX/XX/2013 AND THE BANKRUPTCY HAS SEVERAL INACCURACIES THAT I AM DISPUTING, AND AT THIS TIME I WANT TRANSUNION TO FILE A DISPUTE FOR INACCURACIES. FILING DATE AND 2 CREDITORS LEFT OFF THAT IS NOW TRYING TO PLACE ME IN COLLECTIONS,
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2003 I contacted Comenity Bank to request a reduction in my interest rate. I was outsourced and they transferred me all over the place finally telling me that I had to put it in writing and giving me the address to send my request to : Customer Care, Comenity Ban, XXXX. XXXX XXXX, XXXX, Ohio XXXX. Today I received a response from them telling me to call Comenity Bank. I called and they were unable to verify my information, told me my birth date and the last four digits of my social didn't match. I asked for a supervisor and they transferred me to the collection department which couldn't help me as I wasn't in collection. I asked for a department to contact other than Customer Care as Customer Care didn't seem to understand the request and neither did anyone else at Comenity. They suggested that I apply for a hardship, which is not what I wanted to do. At this point I would simply like to be able to contact someone at Comenity that can stop " customer service '' from giving customers the run around, while I shop for a bank to transfer this card and a card that has apparently been sold to them by XXXX to another account.
Consumer complaint received 2018-04-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Community Lending of America, Inc. (KS)

On XX/XX/2018, I was informed by the Director of Mortgage Operations that I would received a refund of {$500.00} after my mortgage closing. On XX/XX/2018 I received a check in the mail for {$450.00}. After contacting the Director of  Mortgage Operations, I was informed that I would not be refunded the additional {$58.00} because of the type of loan I received.
Consumer complaint received 2018-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore Loan Management Services bought our mortgage from XXXX XXXX. They added a fraudulent " fee '' onto our XX/XX/XXXX mortgage payment even though we have never been late and we overpay. We paid the fee so that we would not have a bad mark on our credit, but we called right away to have them take it off, because they had assured us over and over they would charge NO FEES during the first 60 days after they had bought out our loan from XXXX XXXX. We only paid it to make sure we had no amount on our bill " past due. '' We called several times, and they kept lying and saying the charges came from XXXX XXXX, and then from our XXXX XXXX XXXX accounts. Those were lies. We had to do the legwork and contact both banks, who told us Rushmore 's claim was ridiculous. They would charge us themselves if we had a fee. FINALLY we spoke to a supervisor at XXXX who admitted the fee was a mistake HE had added and SAID it would be taken off. When our XXXX bill arrived this week, the fee was NOT credited back to our account!!! PLUS a new {$25.00} fee was added to the XXXX bill with NO explanation or reason!! I believe someone is fraudulently charging us and collecting the money on the side. When we called, the automatic recording that states how much we owe gave us a total withOUT the fee even though it appears on our statement! And where is our credit for the fee we already paid that we should not have owed?
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I checked my report for accuracy and saw an account for XXXX XXXX XXXX from XXXX XXXX XXXX in the amount of {$750.00}. I have no idea where this account originated from. XXXX agreed to delete the account from my reports.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had a charge-off account with XXXX XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with XXXX. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

Experian is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

XXXX is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

XXXX seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I checked my reports for accuracy and I saw a very old account for XXXX XXXX  for {$650.00} that was opened in XXXX still reporting almost XXXX years later. The credit reporting time limit of XXXX years from the date of last activity is defined by the Fair Credit Reporting Act. The XXXX year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my reports for accuracy and I saw a very old account for XXXX XXXX for {$650.00} that was opened in XXXX still reporting almost seven years later. The credit reporting time limit of 7 years from the date of last activity is defined by the Fair Credit Reporting Act. The seven year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

After changing to a commissioned based job from salary, I fell behind in this payment. The new company was the right choice as now I earn 3 times the income however, it cost me some missed payments. When I began to earn a better living I was able to catch up on missed payments. I called and explained my situation with a customer service representative and I was told they understood and were willing to help me remove my 4 missed payments if I brought the account current. I  was not quite ready financially but I thought it was generous terms and worth forgoing other financial responsibilities to get caught up so I paid it up to date. Unfortunately, the reported missed payments were never removed and when I call they claim they never agreed to such terms.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear cfpb I have requested all my complaint documents and attachments sent with the company responses to be sent to me asap via certified preferably due to my identity theft XXXX XXXX XXXX XXXX nc XXXX XXXX Fax XXXX Asap. I received the bank of America file but the redacted XXXX file was not in there please check and recopy only the XXXX redacted signature card submitted by XXXX XXXX from bank of America regulatory. 
Please confirm via email when they are being sent Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-09
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. (NC)

In XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. Equifax said they take a while to update. Do after waiting a year I disputed it again. Once XXXX XXXX XXXX  was contacted they did another unauthorized hard inquiry last week. I call Equifax and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.
Consumer complaint received 2019-08-26
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. (MO)

I'm holding the credit reporting agencies accountable for the emotional distress that I've been put thru dealing with this same issue. I've demanded physical documentation/ vertification via this account inwhich you constantly reporting but never once provided any sort of documentation inspite of my many attempts to do so. You nor your companies have abided by the consumer laws of the FCRA. Either provide me with physical certified documentation of the account known as XXXX XXXX, or remove / block immediately.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau (FL)

This was the subject of a prior complaint which was responded to and for which company did not do what it said it would do in effectively removing collection from credit report. I called the CFPB with feedback about the company 's non-compliance and the representative said to go ahead and file yet another complaint against MBB. 
Rather then recount facts, see below and please consider as a resubmission for same : XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action YOUR COMPLAINT Medical Business Bureau, XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a diagnostic test ordered same-day STAT by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act. 
STATUS Sent to company on XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested that the account be deleted from the consumer 's credit file and are checking with XXXX XXXX XXXX regarding the payment. Medical Business Bureau has not purchased the account.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have tried to remove old addresses, old name variations, and other information from my credit profile but the bureau doesnt remove the data. Per FCRA Section 623 ( a ) ( 1 ) ( C ) A Credit Bureau can not report information the consumer has told them is inaccurate. All old addresses and information needs to be removed from my credit profile due to being inaccurate.
Consumer complaint received 2018-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

After I paid in full my mortgage with dtech financial I requested the refund of my scrow account. The mortgage was paid in full on XX/XX/2018 and XXXX confirmed on XX/XX/2018 that a check of {$2800.00} dollars was issued already. Three weeks later the check was not received and I contacted again dtech customer service for an update. I was told that they have no control over USPS as the check was mailed already. They offered the possibility of making a direct deposit if within a week the check was not delivered. A week later I called again and at this time I was told that dtech does not make any direct deposits to reimburse scrow balances. I was ensured that a new check was going to be issued and delivered within 5 to 10 business days. Today I have been told that the check has not been issued yet. This situation is unacceptable from a financial institution who will not hesitate to charge you fees if you do not pay your morgage on time. However they have the luxury to play with customers money and blame the postal office when the checks mysteriously disappear.
Consumer complaint received 2019-08-26
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)

I'm holding the credit reporting agencies accountable for the emotional distress that I've been put thru dealing with this same issue. I've demanded physical documentation/ vertification via this account inwhich you constantly reporting but never once provided any sort of documentation inspite of my many attempts to do so. You nor your companies have abided by the consumer laws of the FCRA. Either provide me with physical certified documentation of the account known as XXXX XXXX, or remove / block immediately.