davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (LA)

I paid my debt but the company Cach LLC refused to update the information on the credit report stating they have no record of being paid. They garnished my wages but still stated monthly that I missed payments causing my score to plummet.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Andreu, Palma & Andreu, PL (FL)

Junk debt buyer sent me an email to confuse me. The judge ordered arbitration to settle. dispute. The arbitration demand was filed with XXXX XXXX. We already did court ordered mediation. The Junk debt buyer try to confuse me by not notifying me that she is a Junk debt buyer via her email. She failed to communicate with me in the email that she is a collection agency trying to collect a debt. I want {$500.00} to settle her violation.
Consumer complaint received 2022-07-10
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. (GA)

in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries 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 All account above have violate my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

TFS agreed to remove inaccurate 60d late credit mark from my credit report. I'm a first time home buyer and notified TFS that I need them to remove inaccurate 60d late credit mark from my credit report as soon as possible in order to get better mortgage rate. I have pulled my XXXX credit report today, on XX/XX/2018 and inaccurate 60d late credit mark is still on my report. I have already purchased my first house onXX/XX/06/2018 and this inaccurate 60d late credit mark negatively affected my mortgage rate.
Consumer complaint received 2018-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Loan # XXXX Bank of America Home Loan, I XXXX XXXX, I submitted all of my paperwork to Bank of America for a Modification review. I spoke with my customer relationship manager on XXXX, XXXX 2018. She specified I submitted all of the correct paperwork to to finish my modification review, now I am waiting on The Appeals Department with Bank of America to send me a answer on the paperwork I faxed over to them almost 2 weeks. This is so frustrating to me. I need to keep my home. I have submitted everything the Bank has asked for and now still waiting on a answer with the Appeals Department. Whats else do I need to do? I did everything possible. I have sale date on my home for XX/XX/2018. I been working with XXXX also, and they are helping me also with this process. XXXX
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (MS)

I made contact with the creditor first on XX/XX/2018 to discuss my account. I was informed by the creditor that my account had been sent for collection with Southern Management Systems , Inc. I attempted to contact Southern Management Systems , Inc. to discuss my account. I was told the only way I would be able to discuss my account would be through my attorney, in writing or I could pay the account in full. The person I spoke with was very short with me. She would not listen when I tried to explain that I never had a conversation with anyone in that office indicating that I had an attorney. On XX/XX/2018, I requested in writing, a copy of any attempted correspondence with me, from their office informing me that my account had been placed for collection with that company. I asked for a response within 5 business days. When I did not get a response, I sent another letter acknowledging the debt and a pay-off schedule. I received a response from Southern Management Systems , Inc. on XX/XX/2018. In the letter the company stated that they were responding to my request to dispute and cease communication. None of this information is true, being the company never provided me the information that I requested. Since I was not provided with the information I requested, I have no idea when my account was placed for collection. The account has been reported to the credit bureau as a dispute. On XX/XX/2018, I sent the company another letter demanding that they correct the false information reported to the credit bureau or remove it.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (TX)

I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. I am asking for 2 things : ( a ) Forbearance for 60 days to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$1500.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a pseudo personal loan during hard times.. What if I was in the Carolinas right now and needed extra $ $ IMMEDIATELY??
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've been gainfully unemployed for 4 months now ... I've been keeping my bill current with side work/gigs here & there but have run into issues. However, it's been a HUGE issue to call and speak to customer service given they're overseas and are not quite understanding of American economy and living ... Along with the language barrier. 

I am asking for 2 things : ( a ) Forbearance for XXXX XXXX to protect my credit rating.. ( b ) I've asked several times for a credit increase to {$2000.00} which would allow me to pay the minimum and stretch out this employment wait ... The current balance does not allow me any wiggle room to kick cans around, pay financing charges until circumstance change.. Essentially there is no room for a psuedo personal loan during hard times.. What if I was in the XXXX right now and needed extra $ $ XXXX??
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (MA)

I received a one time letter ( debt collection document dated XX/XX/21 ) ) from a McCarthy , Burgess & Wolff, agency located on XXXX XXXX, XXXX, Ohio. I simply though they send a letter to the wrong person. I haven't heard from said agency since the receipt of the letter. 

I was to be certain this is not some of scam, the reason I'am filing this complaint.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states, " I have the right to Privacy. 15 U.S.C 1681 section 604 A section 2, it also states, A consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) Section : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.to this day over 30 days later I have not received a response yet I feel like im being takenadvantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Financed auto through Capital One Auto Finance. Insured car through XXXX XXXX XXXX. They will not talk to each other as neither can afford the time to go through the others phone tree. Neither can I ... When trying to put the two together to resolve title transfer from Capital One to XXXX XXXX both point the finger at the other saying they can not get what the need. I am help captive in the middle while Capital One charges XXXX XXXX late fees using my money. This has gone on since XX/XX/2019 and now XXXX. I just received letters from both asking for me to once again notarize documents that have already been notarized and sent in. Auto One says now there is another late payment fee. When I did reach them on the phone they want me to give my full SSN on the phone which I will not on the phone as they already have it. Told them I could verify last 4 digits and said they can not accept that. They have no interest in accepting anything as they can just keep charging off to XXXX.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

We have lived in our home for 15 years and have never missed a payment on our mortgage to Ocwen Loan Servicing, LLC, XXXX. XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
However, interestingly enough, we have been sending our payments to an address in XXXX XXXX, IL. 
This month 's invoice dated XX/XX/XXXX, includes a charge for {$240.00} for " Past Due Fees/Other Charges. '' Since we have never missed a payment or been  delinquent in any manner, we were puzzled. We called Ocwen ( not certain of the date ) and asked about this charge. They told us it was some kind of processing charge from 2013. Still puzzled, we called them to ask for some authentication of this fee. 
They sent what they called a Payment History. It is essentially a spreadsheet with 52 items on it, none of which we can understand. However, it does end with a - {$240.00}. It is of no help in understanding their claim. 
So now our questions are : 1. Is this a legal charge? 
2. Is it legal to go back 5 years and tell a client she has a charge she has no way of understanding? 
3. What are our rights in this situation. 
I have decided to do this : I am sending this months payment with a check, not electronically as I usually do. I will send a letter with it explaining I have filed a complaint with the Consumer Financial Protection Bureau and I will not pay this extra amount until the cast is resolved.
Consumer complaint received 2018-09-11
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. (TX)

I filed a complaint with the CFPB -Experian has responded that XXXX XXXX STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm XXXXXXXX XXXX- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and XXXX this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-05-06
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. (NY)

The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX XXXX ( REMOVE because someone applied for credit in my name )
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I bank with Capital One, Thursday night ( XX/XX/2019 ) i want to go a ATM deposit at the XXXX XXXX branch, the deposit was for XXXX. The ATM took the money, then returned it with the fresh bills crumpled up and XXXX dollars was missing and not counted for. I immediately called to file a claim with the bank itself, as well as take a photo of the ATM i used.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

CitiGroup/ Sears reduced my credit limit on my account without providing prior notification or explanation to approximately 10 % of my original limit. I have contacted Citi Card Services regarding this issue and was told that my limit could not be restored and the error could not be corrected. I asked why I was not informed prior to this action and was told that a letter was sent to my residence. This is unlikely as my account was designated as a paperless transaction/ notification/ statement account 9 years ago. I checked my electronic communications and do not have any notice that my account terms would change. Further, the only solicitations I have regarding my account are advertisements for new products or shopping promotions. No account notices have been sent via the terms we agreed many years ago. 
This modification to my account terms places me at a significant disadvantage both in terms of my credit standing and ability to purchase items to remodel our home. While we used this card to purchase appliances approximately 10 years ago, we are now in need to replace and upgrade many of these as well as aging utilities like our furnace and air conditioning system. This card was to assist in this series of purchases as we had done and paid in full 10 years prior. However, the elimination of this card, the negative impact to our credit due to Citi/ Sears decisions have created an additional burden upon us.

We have maintained this account in good standing. We have made regular payments and never have been in default or late. This was not becoming of a credit agency and we have not been treated with the respect that should be extended to clients who abide by their terms, while the lender refuses to reciprocate.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

Account XXXX Relationship Manager XXXX and XXXX did not answer or return my XX/XX/2019 or XX/XX/2019 calls. 
Person at alternative number XXXX told me I had to my request in writing to : Citibank XXXX XXXX XXXX XXXX XXXX, Tx XXXX Written request of XX/XX/2019 was ignored by Citibank.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/18 I wanted to see my free credit report so I XXXX " free credit report. '' TransUnion was the first one to come up, although it was marked as an Ad. I clicked through it and never saw that there was a {$19.00} charge, although I did enter my credit card information. They showed me my credit report but wanted me to " continue, '' then my I got a receipt in email for the {$19.00}. I called the company immediately and they said there was no such thing as a free credit report, I had to pay somebody and had paid them. I asked for a refund and they said the best they could do was discontinue the subscription.

I called the credit card company and they will file a dispute for me. But I'm pretty tech savvy and never saw on the website that they'd charge me. This is quite deceptive since Trans Union is one of the 3 credit reporting agencies where we're supposed to get the " free '' credit report.
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CASHCALL, INC. (TX)

I had a loan with XXXX XXXX in 2013. I am now getting calls from a credit report agency saying i owe {$5000.00} and they are suing me for this amount. I havent received any letters, but just harassing phone calls. Today when I asked for the information I was constantly interrupted and called dumb ( told I lack the mental capacity to understand what I was being told ), but the lady on the phone would not allow me to finish my questions to get clear information. She kept saying i needed to get a letter from XXXX stating that I had a XXXX balance, but nothing from this company is on my credit report and I no longer have loan documents from 2013. This company is no longer in business due to being constantly being sued by various states for illegal loan practices. What can I do about this company. I am in Texas. I am being harassed and they are not helpful.
Consumer complaint received 2023-03-18
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. (NY)

This account is on a balance liquidation plan. I paid the amount due on time. It was supposed to be an automatic payment with only {$63.00} due. Now it is being reported as 30 days late when I paid on time within the required terms. The conversation is on file with the bank. I did not make a late payment and this should be removed from my account.