davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I bought a car. I started an allotment for the car. I went to the hospital for treatment. The allotment wasn't processed in a timely manner ( which was later identified and rectified after research ). USAA said they sent letters to my home about my account. I wasn't there and never received them. They had my phone number and never called. They misspoke once and said they did call but I pulled phone records and proved that they didn't. They later apologized and I asked for my account to be corrected because they never called. I tried to correct my credit and was unable to. For years I have tried to correct it as it interfered with my clearance. It was corrected for 1 month then reappeared. The representative called me when I called the CEO office and was rude. She said it will not be removed and that I should stop putting in complaints. I was in fear of USAA retaliating so I stopped but it wasn't right. I called the CEO office and once again Mr XXXX said he didn't see removing it as a problem. Well I guess I was. The representative called me and said I should stop as the credit report will not change. I went to register my vehicle in XX/XX/2018. I had 39 days to get the registration completed. I received all kind of nasty letters from Georgia saying I was in jeopardy of committing fraud and my plates revoked. I called USAA in panic XXXX XXXX and XXXX. I was promised each time they were working on it. Registration takes 30 days. It was an electronic title. USAA refused to take responsibility that they messed up. Didn't monitor the transaction or needed actions. They did apologize those. My issue is that why when I made a mistake of trusting my actions ( the allotment ) I corrected it from a hospital bed nd no phone call from USAA, I get 3 years of unfair reporting. But when USAA makes the mistake of not obtaining my title in a timely manner due to oversight and negligence, I get the residual and backlash. No one dings them for this mishap. I think in good faith they should remove that blemish and this time for good as it was not done intentionally and could have been rectified sooner had they simply called me. They had 2 other ways to contact me. The bottomline is it wasn't done on purpose. I have never been late on ANY vehicle I have ever financed through them. We almost had another problem when they went in the account and tried to debit the payment BEFORE the due date. of course the allotment wasn't there and they said well we will only try and debit once. But why before the agreement/due date. That causes problems. I'm glad I monitored that transaction. I just want it removed
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

The XXXX family applied for a loan modification on XXXX. They called in multiple times for updates and each time they called in they were told the package was in review and nothing was being requested. On XXXX we called in and spoke to XXXX in Loss Mitigation and she said there was NO package in review nothing was ever received and that my home would be going to sale. I have the email trail showing this info was sent in, ( Please see attached ) and that my file was being reviwed There is no excuse as to why this has happened. My sale date is set for XXXX. 
The inability of XXXX XXXX/Loan Care to receive a simple Email/facsimile or simply maintain a file is inexcusable. Not only did I timely send the information, but a successful confirmation was kept as a record. The number of times that I spoke with XXXX XXXX/Loan Care to check status of my file should extinguish any opportunity to excuse their behavior. 
Between the misplacement of our financial documents and the poor communication from XXXX XXXX/Loan Care, it is clear that they simply do not want to review our file for a possible work-out solution. 

The events described above are just a sample of the practices that are taking place at XXXX XXXX/Loan Care. They appear to be more interested in foreclosing on my home and fire selling it at auction to make a profit. It appears that their lack of participation in a meaningful modification review of our file indicates a preference to profit directly from our hardships. 

We are demanding our file be properly reviewed or we will file a complaint in civil court with the following causes of action- Negligence, Fraud, violation of California Business and professions code 17200, intentional infliction of emotional distress, and promissory estoppel. 
My family has been discriminated on based on our race, ethnicity, language and national origin. We will name XXXX XXXX, XXXX XXXX, and XXXX XXXX as defendants in this civil matter.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AZ)

in XXXX of XXXX, XXXX XXXX sold our Mortgage to Fay servicing. The XXXX payment was sent to XXXX XXXX. XXXX XXXX sent a letter to us advising that Fay servicing was the new lender and the payment was forwarded on to them. Fay servicing is unable, and unwilling to locate that XXXX payment. Starting in XXXX of XXXX, I began trying to work with Fay servicing to get this corrected. I provided them copies of the XXXX letter and front and back copies of the check that was sent for the payment. After 6 months of trying to get this resolved i was informed by Fay servicing that I needed to contact XXXX XXXX  and see how the funds were sent to them and get the conformation information.. Even though we have provided proof that the payment was made, fay servicing is reporting late payments on our credit report. 

After a conference call today with XXXX XXXX  and Fay servicing, Fay servicing stated that the onus is on them to research and locate the payment, and that until chase proves that they payment was sent, they were going to continue to report late payments to my credit score. This is now 7 months or trying to get this resolved.
Consumer complaint received 2019-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

On multiple days I received calls from Navient I was late on my payment due XX/XX/2019. According to my back statement Navient electronically cashed my check # XXXX for {$150.00} on XX/XX/2019. A call to customer service resulted in no assistance and a strong arm approach to make a new payment until the issue could be rectified. According to the rep the check was sent to the wrong address and not applied to my account, he further told me I had received a refund for the amount. Neither statement was true, my loan was paid 15 days early and not credited to my account.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I obtained from Synchrony Bank the Banana Republic Credit Card on approximately XX/XX/2019. I have been using my account and have already made payments on my account. On Wednesday XX/XX/19 my account was abruptly closed by Synchorny Bank. I contacted the bank and the representatives are unable to provide me any explanation. I spoke with Account Manager XXXX with reference # XXXX. She stated that I must wait 10-14 days to find out why my account was closed with a letter in the mail.
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allied International Credit Corp., (US) (IL)

Allied Intl. Credit XXXX keeps calling my home number. No one at this number owes a debt to Allied Intl.  Credit. I emailed Allied Intl. Credit to let them know they have a wrong number and for them to stop calling and I a reply wanting more personal info from me! I need these calls to stop. They have called me 3 times since I received their return email on XX/XX/XXXX.
Consumer complaint received 2019-07-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed the balance of a XXXX XXXX on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by law.
Consumer complaint received 2019-02-09
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. (FL)

The results of me trying to inquire on my credit I come to find out that my personal information including my Social Security number has been compromised to open up Fraudulent accounts I was advised by the credit bureaus to Submit this form I hope that by doing so it will bring it to a end
Consumer complaint received 2021-04-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

1I have been trying to resolve a matter with the credit bureaus about some issues on my report. On my report there are 7 accounts that are past the 7 years stats they are as listed. 

XXXX XXXX XXXX XXXX Co {$96.00} XXXX XXXX Co {$310.00} XXXX XXXX Co {$140.00} XXXX XXXX Co {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on all three credit Bureaus. I want them remove
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

Payment due on XXXX. Called XXXX to pay. XXXX was a Saturday, XXXX a sunday, XXXX a bank holiday. 

Want late fee waived or will sue simply on principle. 

For a company whose stock price doubled during covid I find it disgusting they won't wave a late fee when it's called in on the FIRST available business day.
Consumer complaint received 2019-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

My family and my self have been going through a very rough Cpl of years for the last 2 years there have been a series of hardships that have occurred that set us behind on our mortgage payments XXXX Husband had had XXXX XXXX XXXX and then I was very sick struggling with serious and XXXX of the XXXX then again hospitalized my husband who had to get a XXXX then XXXX we lost our son and My mother all while in recovery from those surgeries while undergoing all kinds of medical treatment for my serious and XXXX of the XXXX we were being consumed by the debt of not only our medical situation mortgage funeral cost caretakers and all other responsibilities that we have and then XX/XX/XXXX wife went under operation for a XXXX transplant and is currently in XXXX trying to recover and meanwhile our home went into foreclosure and the lender wants and will only accept a reinstatement payment in the amount of {$370000.00} by XX/XX/XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A. (IA)

They tried contacting me via my cell phone number and I did not call back because right now I am trying to figure out how to tackle some of my student loan debts. Finally called my employer and told me that in order to settle the debt I would have to cash in my retirement fund. Gave me 3-4 days to look into it. Called me work again. I told them I would not be doing that and he proceeded to tell me that if I don't do that then I am refusing to pay the debt when I in turn told him that I would like to start paying on the debt via a payment plan. He would not give me that as an option. He kept insisting my only option was to borrow against my retirement and that me saying I wouldn't was me refusing to pay the debt when I was suggesting a payment plan. As it stands there is no resolution because the ONLY option they are giving me is to pay my debt in full with no other options. I have since gone to a financial counselor and they suggested to report this type of contact. It was VERY abrasive and insistent. I've since learned that you can tell them not to call your work which I did and they have stopped, but continue to call my cellphone, but I am hesitant to answer because he was very insistent that I only had ONE option to pay the debt off. I've never dealt with a debt collector like this before and it gave me major anxiety especially since they are giving me no other option. I would like to start paying on the loan via a payment plan.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC (NJ)

On XX/XX/2019, Mariner 's Finance Bank made a hard inquiry without my prior authorization. I contacted them to inquire about this and they said they were allowed by law when the account is being sent to an attorney for collections but I never received a letter of intent for these actions to proceed. I am very upset that this was done without my prior notification and authorization.
Consumer complaint received 2016-07-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NM)

I made a payment to Freedom Mortgage on XXXX XXXX, 2016 for my XXXX XXXX, 2016 payment. Freedom Mortgage says my bank XXXX did not pay for insufficient funds. I had sufficient funds in my account on XXXX XXXX, 2016. I made another telephone payment with a representative of Freedom Mortgage on XXXX XXXX, 2016, and today XXXX XXXX, 2016 Freedom Mortgage tells me that my bank XXXX stopped payment. I show no stop payment on my XXXX account. Freedom Mortgage has received two payments from me and has lied about what happened with each payment. I sent a note on a fax cover sheet to Freedom Mortgage not to take two payments from my account. Freedom Mortgage just keeps saying things that are n't true. Also Freedom Mortgage had the wrong address to mail my bill to. I have been with them unfortunately for 16 months and Freedom Mortgage changed my mailing address.
Consumer complaint received 2019-07-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed the balance of a XXXX collection on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by law.
Consumer complaint received 2019-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (WI)

On XX/XX/2019 i spoke with my auto loan company ( Exeter Finance ) to request that i start receving detailed statement to show how my monthly payments are applied I.E total payment to interest to principal. they stated that they dont offer that type of statement .when i stated that it was a violation of u.s federal law and the banking regulatory act and that i needed to be provided a detailed bill every month. they stated that they will have to look into that and i would have to call every month if i needed something more. which is an inconvenience for me since i am in XXXX and have limited access to internet and phone.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NH)

In XX/XX/2019, I received a letter from XXXX XXXX XXXX XXXX, which stated that they represented PayPal, Inc. in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XX/XX/2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to PayPal, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XX/XX/XXXX, I received another letter from Convergent with an attached letter from PayPal. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, XXXX XXXX , XXXX, indicating that my failure to dispute the debt within 30 days would result in XXXX declaring the debt valid.
Consumer complaint received 2019-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-20
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 filed a further dispute letter to the credit reporting agencies on XX/XX/2023, asking them to remove or correct any disputed accounts that I believe are incorrectly reporting information about me in my credit file within the legal time frame. All accounts and information must be updated and/or deleted within 30 days of the date the dispute was received in line with Fair Credit Reporting Act section 1681i. Since I have been disputing the disputed accounts for so long, it is evident that the credit bureaus have steadfastly refused to comply with all of my demands. I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to ask the credit bureaus once more to rectify or delete the following accounts as soon as possible : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX  Bankruptcy Reference # : XXXX. The disputed accounts that are incorrectly reporting information on my credit file must be addressed as quickly as feasible by changing the status of the accounts or eliminating them entirely from my credit file.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX XXXX is not reporting correctly to the Credit Bureaus. According to both XXXX and Equifax my balance is {$2100.00} with the last reporting dates XXXX XXXX. That is inaccurate because according to XXXX XXXX XXXX XXXX website my balance is {$1000.00} with the last payment date as XXXX XXXX in the amount of XXXX.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC (LA)

On XX/XX/XXXX I received a letter form Receivable Recovery Service LLC about paying a medical debt from XXXX. The letter stated that I must contact them within 45 days of this bill or they will report my account to the credit reporting bureau. On XX/XX/XXXX, this was reported to the credit bureau even though I set up a payment agreement online. There was no indication that they would report to credit bureau after the payment plan was set up. Also, the 45 day period that they stated in the letter was not honored. The account is now paid and is showing on my credit report. I would like this removed from my report as I they have attempted to collect this debt after being paid.
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I sent a mailed request to Capital One to request for a pay for deletion to remove the collection from my credit report in return for me paying the account in full instead they sent me a stall letter claiming that they can't find my information on file for the account and to submit more information when I sent my name, DOB, and ssn number to them for them to research these accounts that are reporting to all 3 credit bureaus, I also noticed a discrepancy with the different account numbers on each letter. I need for this to be investigated on why my requests are being stalled and not answered to when they have all information pertaining to these accounts on my credit profile. Please investigate.