davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

The three credit agencies have inaccurate information about my name, addresses, phone numbers, public records information. These three agencies are allowed to casually commit libelous acts against the public, with little to no consequence, but the consequences for the individuals are real. Also, I shouldn't have to send in a copy of a driver 's license or utility bill to access MY credit report. I don't need to send a credit reporting company a copy of my driver 's license or utility bill. That is insane and an invasion of a person 's privacy.
Consumer complaint received 2018-10-18
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. (HI)

I was notified by the mortgage office that an old creditor XXXX XXXX was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. XXXX XXXX has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with Experian and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

XXXX  months ago I started my process to refinance my home loan with citizens bank. there is no progress with them. I have been in my home for over XXXX yrs, I was laid off last yr for covid19 issues- I missed XXXX payments i have been in the forbearance plan for almost one year. I have made 8 full current payments to citizens bank, I asked to be removed from forbearance so i can refinance -but they are demanding a full payment for over XXXX. They will not let me make a payment via online. only per phone call which is almost 30 minutes of there questions or mail in a check. I need help to lower my payment so please help
Consumer complaint received 2018-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I transferred {$1000.00} from my Bank of America savings account to a savings account at another bank. I was charged a {$3.00} transfer fee that was not listed anywhere on my schedule of fees for my account - I have a complete listing of fees and this should have been a zero-fee transaction. I called to complain and they told me this is just how they do things. I am very displeased with their lies and misrepresentations about their fees and think this practice needs to be stopped. I would also like my {$3.00} back.
Consumer complaint received 2021-10-23
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: Experian Information Solutions Inc. (PA)

I have disputed this information with all 3 credit bueuras, XXXX and XXXX has investigted this problem and removed these fraudulent accounts from my credit file, However I have been disputing this with experian for years. My identity was stolen and compromised in XXXX. I strongly belive a family member did this. I filled a police report and sent to all 3 creditors, I've sent in ID, and a copy of my lease to show proof of where I lived at the time these accounts were opened. This person has opened bank accounts, credit cards, taken out loans in my name they have complety stole my identity at the time i was suffering from XXXX. Ive done everything i can to get my identity back. Experian is the only credit burea not sending proof of how this credit was obtain and not removing this from my credit file. I have contacted the orginal creditors they will not send me any proof of how this debt belongs to me or how it was obtained. I was told that there is a statue of limitation and it has been reach. This is NOT true the law states that in pennsylvaina the statue of limitations for any action upon contract, obligation or liabilty is 4 years. there is a minor exception for actions involving damanges stemming from identity theft, in which the statutory timer starts upon the dtae of discovery of the identity theft. ( I discovered this in XXXX and immediately disputed this ) I really dont check my credit as much as i should however that isnt a reason to hold me accountable for these accounts. 

XXXX {$14000.00} Opened XXXX XXXX  XXXX XXXX {$2500.00} Opened XXXX
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

ftc violations inqurires XXXX  XXXX XXXX. {$4700.00} {$2600.00} XXXX inquires all besides above XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX
Consumer complaint received 2018-10-18
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 settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... Experian   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX  ) used an agency ( XXXX  ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (ND)

on XX/XX/2018 i Singh up for XXXX XXXX to repair my credit and after few months i canceled it due to my financial problem, so they messed up my credit score. then i've been trying to build my credit by my own up to XXXX. suddenly they called me last week trying get me to Singh another contract which i said no, then i cheek my credit score next day its dropped XXXX. they did the same thing with wife, her credit score was XXXX and when she cancel its doped to XXXX. please help us.
Consumer complaint received 2023-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On Thursday XX/XX/XXXX, I flew to XXXX for a short vacation. Upon arriving, I proceeded to connect my phone to the local Wi-Fi to inform my family about my arrival. Thats when I started receiving notifications about a credit inquiry from Capital One bank. I also received a notification that my credit score was changed because of this inquiry. 
I immediately logged into my XXXX account and activated a security block on my credit. I also contacted Capital One bank to inform them of the fraudulent inquiry that was made on my behalf.
Consumer complaint received 2021-10-11
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (NY)

I am constantly being harassed and threatened with legal action for a debt that is over 12 years old and has already had a negative impact on my credit score. 

The company 's name is XXXX XXXX XXXX XXXX ( XXXX ) XXXX. The initial debt was with Barclay 's bank Juniper card. 

I get at least two phone calls per week with these threats.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reviewed my Consumer Reports and noticed that I had FOUR late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I received a letter from the debt collection company and sent back a certified mail correspondence asking for proof that they have the rights to collect this debt. This was ignored and negative impact was made on my credit score. I sent out a second correspondence by certified mail asking again for proof or documentation. I received a letter back where they claimed that I was claiming the debt is fraudulent and asking for a police report. This is an intimidation tactic and unlawful.
Consumer complaint received 2020-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

BAYVIEW Loan Servicing LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX FL XXXX. On XXXX XX/XX/2020 we received a letter that we applied for a " forbearance plan '' due to COVD. We never applied for this program. The letter dated XXXX XX/XX/2020, stipulates that we were required to contact the loan servicing company by XXXX XX/XX/2020. Which is more than strange, we believe what BAYVIEW has done is illegal. BAYVIEW is the new mortgage company that XXXX XXXX   transferred the servicing of our mortgage to after filing for Chapter XXXX bankruptcy earlier this year. Yes, We were behind but have since then caught up with our monthly mortgage payments. We contacted BAYVIEW customer service and were advised to ignore this letter, regardless, we NEVER requested to be placed on the forbearance plan due to COVD.
Consumer complaint received 2018-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I reached out to my company on XX/XX/XXXX to defer a payment and I was not approved. I was advised I could make a lesser payment but because I made a partial payment in XX/XX/XXXX I would need to make a full car paymnet. I advsied the agent I only made on partial payment in XX/XX/XXXX prior to my vehicel being repossed and when I paid to get the vehicle back I covered that. I was then advised they cold send me my payment history. I looked at the payment history online as well as my bank statement showing I made a payment un XX/XX/XXXX( which covered XX/XX/XXXX ), a payment in XX/XX/XXXX ( which covered XX/XX/XXXX ) and a payment at the end of XX/XX/XXXX ( Which covered XX/XX/XXXX ). I was advsied they will open case # XXXX, and I should hear something within 72 hours. I called today and had the exact same conversation as I did last friday with no one calling me back and my loan continue to accure fradulent interest and fees.
Consumer complaint received 2022-06-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Foursight Holding LLC (MO)

Company : Foursight Capital Auto Purchase XX/XX/XXXX Auto Repossessed XX/XX/XXXX Payments began XX/XX/XXXX and occured XX/XX/XXXX, XX/XX/XXXX late, XX/XX/XXXX late, XX/XX/XXXX communicated difficulty, arranged for payments, then made 5 consecutive payments XX/XX/XXXX, another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The car was still repossessed on XX/XX/XXXX after five payments and I was not informed or communicated with that it was going to be repossessed, I thought I was satisfactorily catching up ) The repossessor came on my dad 's property after my dad told him he was to get off the property and subsequently told my dad by threat of a physical fight ( intimidation and bullying, Fair Debt violation ) that he was not leaving without my car, all after I was not informed ( debt parking, violation Fair Debt Collection, Dodd Frank ) that the vehicle was going to be repossessed. A reasonable person would have thought that after. A conversation about catching up and making five subsequent full monthly payments with no communication otherwise that I was not at risk of losing the vehicle. Moreover it happened with threats and coercion while trespassing at night in the cold. Now there was communication that the vehicle sold at auction XX/XX/XXXX but nothing after that. Now nearly XXXX years after the signed promissory not and only the communication stated above i was served papers to be in court. I called to try to work something out and no one returned my call. I think that violations have occurred and that my debt should be reconsidered since I have been harmed ever since credit wise. I could have continued to catch up ony payments but they didn't allow me the chance. I am a XXXX  mother of three with no child support and this has been detrimental. I can not get an auto loan at a reasonable rate and it has unduly affected my credit, my children 's well being and mine. I want this handled.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (PA)

There was a charge from XXXX on my XXXX financing account for an item we did not purchase. I started a dispute with the financing company and the amount was removed from my statement. When my next statement populated, the charge has reappeared even though the dispute is still open. The disputed charge is the only charge left on the account. I called the company today and was told I am required to make payments on that amount even though it is actively being disputed. I said I feel that is against FTC rules and was told that is not what the rules are for the financing company.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

In XXXXXXXX XXXX XXXX we did a loan modification.WE have paid every mortgage payment. WE even have statements from Santander showing they received each payment. In XX/XX/2021 we start receiving these letters saying This document is an attempt to collect a debt. After at least a dozen phone calls to Santander finally thinking we found out that they sent one of our mortgage payments to escrow instead of applying it to our mortgage. While each month our credit report is taking a hit. Again this month I receive another letter saying they are trying to collect a dept. With another phone call and the last one we talked to a manager who did not know why we were receiving these letters showing to him that all mortgage payments have been made. He sends it over investigative division. So as this is still lingering on and my wife and I credit has went way down there needs to be some repercussions towards this bank for what they have done to us and our credit worthiness.
Consumer complaint received 2018-07-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

In the event where the bank collected PMI, does the government realize the bank told me deliberateluy not pay mortgage for 3 months because it would qualify me for a loan modification. This was an obvious scam., so they could collect. Where does it leave the house if the promissory note ( which was fraudulent ) now that it is separate from the actual deed. It still gives the bank no right to hold my home hostage, continue to deny and accept modification apps, and add interest to loan, while I am still making contact with them.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (CA)

In accordance to the fair credit reporting act XXXX  account # XXXX Has violated my rights 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 section 604 A Section # 2 Also states a Consumer reporting Agency can not furnish a report 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 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (VA)

Since XX/XX/2017, I have sent in my normal monthly mortgage payments on time with an additional {$5000.00} or {$10000.00} to reduce my outstanding principal. Seterus has used the additional money, specifically identified as additional principal, for the next month 's monthly payment. After complaining Seterus made the corrections. The next month I sent an additional {$5000.00} for reduce the outstanding principal in additional to the regular monthly payment Seterus than used the regularly monthly payment and the additional payment to reduce the outstanding principal. Seterus then reported that I was late in paying my monthly mortgage payment and charged me a late payment of about {$84.00}. Why does a mortgage company do this even after reporting and complaining about the poor service and incorrect payment accounting. Seterus even had the gall to report that I had to enroll in a special program in order that any additional funds sent to reduce the outstanding principal. I asked where on the contract was this stipulated and why is this not done in writing. 
Seterus even sent me a threatening letter that my credit report would be affected from my late payment. Seterus as a mortgage company is terrible, poorly managed, tries to take advantage of the customers, threatens you with credit reporting when not correct, and is not responsive to corrections.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2018-10-18
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. (CA)

the answers should be clear in the attached memos from Experian deleted the account in collections from my report a year or two ago. Its back. Its very upsetting and frustrating since it has negatively impacted my credit score again! I want it removed and fixed please!!