davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
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. (NY)

For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to XXXX, Equifax, and XXXX  to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.
Consumer complaint received 2020-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I applied in late XX/XX/XXXX for a secured card w/Capital One. I received my card in the mail in late XXXX, and attempted to activate it. I was informed I had to go through additional fraud protection screening. While this screening was in-process, I was informed there was an error with my deposit and that I needed to contact customer service to rectify the issue. I attempted to do so, and was unable to fix the deposit due to the fraudulent flag on my account. I was instructed to await the fraud department 's decision. As of today, XX/XX/XXXX, the fraud department has cleared the account -- however when they went to activate my card so I could use it, they were unable to as the account had been closed by another department due to the fact I did not rectify the deposit issue in time. I was instructed to reapply for the card, which I did and was promptly declined as I had already recently applied.
Consumer complaint received 2022-08-29
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

IN accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account 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 2019-02-05
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: EQUIFAX, INC. (WA)

Someone stole my identity and completely erased my credit history. I need to know how to go about putting all my accounts back on my credit report with all 3 bureaus. Someone has opened a credit monitoring account in my name and is disputing accounts that are actually mine and having them removed form my reports.
Consumer complaint received 2020-02-06
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. (CA)

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$150.00} -This is not my account.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (MO)

Disputed with the company on XX/XX/18. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2020-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Tower Loan of Mississippi, Inc. (AL)

On XX/XX/XXXX I received a credit monitoring alert on my credit file that Tower Loan MS pulled my credit. This was a hard inquiry on my credit profile and without my permission. This is the 2nd time,1st time was on XX/XX/XXXX. I am late paying my payment but Ive been unemployed and just now started back working. I will definitely be catching it up or paying off in the next couple weeks. I would like to file a complaint for this company for pulling my credit profile without my permission on XX/XX/XXXX.
Consumer complaint received 2020-02-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (DC)

Hello CFPB, I need your help! 

In short, and I have included more information attached, I cosigned a car loan for a friend of mine back in XXXX of XXXX. My friend, unbeknownst to me, was unable to make his car payments in XXXX and the bank in question, Santander Consumer USA, reported a debt collection on my credit and never notified me. I would have been happy to pay off the car loan if they had reached out! In fact, in the past Santander has called me a couple times when my friend missed a monthly payment, and I was able to call him and have the payment sent to them immediately. They have my phone number and address. If I was told by Santander that there was a problem I would have handled it, after all, that's the purpose of a cosigner. 

Unfortunately Santander rushed to report an unpaid debt and collection on my credit report, which is the first time I found out I had a debt collection!!! I was in the midst of buying a house and I was denied the loan because of the debt collection that I had no idea of. 

I immediately called Santander and offered to pay the debt off. The only thing I asked, and still am asking, is that because they never, not once, notified me that a debt was owed and was going to collections, that they request it to be removed from my credit report. Unfortunately Santander has refused, even if I repay the debt, to request of the credit rating agencies that it be removed from my credit report as a mistake. 

Please help me! Having this collection on my credit report has grossly affected my ability to get a home loan build wealth and I have incurred immense legal fees. I have hired a lawyer, who has sent them repeated requests citing the notification laws, asking them to own up to their mistake and ask the credit rating agencies to remove the debt from my credit report as a mistake. If they do this I am happy to pay the debt, I'll pay it tomorrow! But if they are unwilling to have the negative action removed from my credit report I can not in good conscious let a bank, Santander, get away with screwing me and my credit when it was their fault that they did not notify me. Santander has not been able to show any proof that they sent me any notification, despite multiple requests to do so from my lawyer. I have attached the letters from my lawyer to them making this request and citing the law that they had to notify me before reporting a negative action. 

Please help me fight against this bank and make things right! 

XXXX XXXX XXXX
Consumer complaint received 2018-08-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CO)

Home Point Financial not managing my escrow account properly. Every year for the past 5 years my account seems to have a escrow shortage when the numbers do not add up, For example, when my Insurance and property taxes increase to {$200.00}, I get a escrow shortage bill for {$450.00}. Contacted the VA and they refer me to contact CFPB. I have requested a break down on how they arrived at those numbers, they send a basic break down but nothing showing how they arrived at the escrow shortage amount. Customer service reps for Home Point Financial were not friendly when ask to explain or break down shortage. I am concern!
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with XXXX XXXXXXXX OFFICE OF THE ATTY GENERAL
Consumer complaint received 2022-08-29
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: NCB Management Services Inc. (TX)

IN accordance with the fair credit reporting act XXXX  account has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account 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 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (MN)

My Name is XXXX XXXX and i have service from XXXX for long time then i move to other company and i paid all my bills including the final bill. now they send me a new bill and i told them i pay off all my bills, after then they send my information to collection agency. and i don't know how to pay again, can please help me and i will attach the final bile receipt Thank you
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NM)

Loancare LLC is refusing to accept payment from me for my mortgage. The loan recently transferred servicing to Loancare on XX/XX/26 but loancare is refusing to accept payment, violating the terms of the original mortgage, as there is no way for me to make a payment before the payment due date. I called their customer service line today XX/XX/26 and the person stated that they will not accept payment from me for another XXXX days, even though I have made every effort and in fact spent hours and hours today and previous days as well trying to make the payment. This violates the terms of the original mortgage, and will cause my payment to be late, despite me doing everything that a human can possibly do to make my payment. Loancare LLC will not accept my payment by any payment method until after the payment is due, they are trying to force me into foreclosure despite me being willing and able to make a payment and trying every possible method to pay.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My Loan was transferred to Mr Cooper in XXXX of XXXX. Until then, everything was fine and being paid on time by the predecessor service Company. I got a letter in XX/XX/XXXX from my County which handles the real estate taxes for my property stating that my property taxes were not paid and my taxes were considered delinquent! The payment was due in XX/XX/XXXX. When I called the county they said that they did not receive anything from Mr Cooper. I then called Mr Cooper and got the full run around from person to person to person. Each one saying something else like " oh it shows here it was sent out last month '' or " we can not tell you any details on check number or weather the check was received by the taxing authority or cashed ''. 

I decided to give them the benefit of the doubt and wait an extra week or so to see if the county district  was just delayed in its processing but when I called they informed that they did not receive anything. I have read other reviews online and see very similar stories. Someone needs to do something about this!!! This can not keep happening to regular mortgage paying homeowners!
Consumer complaint received 2022-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (NY)

XXXX XXXX2022 {$950.00} Zelle XXXX XXXX2022 {$1000.00} Zelle Supposed to be security and first month rent now he blocked me and wont send me my money back.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (CO)

I recently attempted to purchase my leased vehicle at lease end for my contracted residual value. The leasing company, BMW Financial Services was unable to conduct the lease end transaction, and instead referred me to my local dealership XXXXXXXX XXXX  in XXXXXXXX, CO ( who I originally purchased the car from ). Upon approaching the dealer, I was informed that the residual value in my lease agreement could not be honored and they would need to charge me an additional {$600.00} in dealer-imposed handling fees. 

These fees are not disclosed in my lease agreement. My lease agreement specifies that my vehicle may be purchased at my residual value plus any government imposed fees such as taxes. 

The additional undisclosed fees being added to my lease-end buyout are in violation of the Consumer Leasing Act. 

On Monday XX/XX/XXXX, I was informed by two BMW Financial Services phone reps ( XXXX and XXXXXXXX XXXX ) that XXXX  is under no obligation to honor my lease contract. 

I have included a copy of my lease agreement, as well as the dealer quote sheet showing the additional fees they intend to charge.
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I get at least over XXXX calls a day from the same people with different numbers. They wo n't say anything when I pick up either. They all begin with area code XXXX & the prefix is always XXXX. The caller ID information states that they are from XXXX XXXX, TX area. I have received phone calls from them at XXXX at night & calls as early as XXXX in the morning. I also get calls all day long while I 'm at work. I received XXXX calls alone from one number XXXX XXXX XXXX in one day on XXXX XXXX, 2015, XXXX call from ( XXXX ) on XXXX XXXX, 2015, XXXX calls from ( XXXX ) on XXXX XXXX. Other numbers they have tried to call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This needs to stop immediately.
Consumer complaint received 2023-01-26
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. (CT)

Over 15 years ago I took out a HELOC with XXXXXXXX XXXX Since then I XXXX XXXXXXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we XXXX XXXX XXXX
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: EQUIFAX, INC. (NY)

Equifax continues to allow XXXX XXXX to reporting an 2 open collections on exempt funds violate the Exempt income protection act an account that is exempt from debt collection should not be reporting an open account or any account this is considered continuous collection on exempt funds and must be deleted at once
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resolve Partners, LLC (AZ)

I am extremely concerned about privacy practices of this company. 
I was shopping for a new car and noticed a recent reporting from a collections agency. I disputed the charge in collections because I had already paid it to the property management company in XX/XX/2015 shortly after vacating the property. In response to my dispute, I received a letter informing me it is my debt to be paid and please refer to the lease attached. 
The lease attached was for an entirely different person at a different property managed by the same company. The letters included the full lease and all certified letters sent to this individual. I contacted the woman to inform her they had made this mistake and warn her to watch her credit report just in case they had done this before. She informed me she has had issues with identify theft and has been trying to dispute this charge for quite some time. I sent her a copy of the letter that was sent to me for her records. 
The order that the papers were in appears as though someone grabbed from a stack and assumed all of the papers below the letter addressed to me were mine.
Consumer complaint received 2020-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

In XXXX, I had a complaint against XXXX XXXX XXXX ; filed a complaint and had my problem resolved and I have a letter from XXXX  XXXX XXXX to forgive me of the HELOC XXXX along with a Identmification Lost Note Affidavit. Because my lender has changed three times and have not removed the second mortgage, they sold my loan to another lender company ( XXXX XXXX ) who did not enter me into their system correctly and are trying to collect the money that needs to be removed. Since then, my loan was sent to a collector, who sold my loan to a third party and is holding my home. While these deals are being made, I have submitted a claim with my lender before they filed chapter XXXX and sold my loan. To date, I need my 2nd mortgage removed and remain with my first mortgage and work with my new lender, XXXX XXXX. 

According to bankruptcy payment, I payed XXXX, which is to be applied to my first mortgage. Currently, as of XX/XX/XXXX, I am 6 payments behind. However, if they apply my XXXX towards my principle interest for my first mortgage, I will not be behind and my 2 nd mortgage will finally be removed. Because mortgage companies can sell your loan based on numbers, they do not realize that the individuals may have circumstances that can repair their account. Outside collection agencies, do not have the ability to see arrangements that were made and they take advantage of the accounts because of " greed. '' According to a XXXX XXXX Rep in XXXX, I was told that my loan was sold to a private investor which is why I was able to get this resolved by XXXX XXXX XXXX. Since then, I have discovered through an attorney that my name may be attached to other properties, so I have concerns that their may be some frauderalant activities involved ( please see attch ). I currently have a complaint with AG and working with attorney. Because I was involved with a claim which was involved with litigation, I need to have sale espunged because note was not legally transferred due to affidavit.