davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

Our House was in Bankruptcy with the rest of our items. Untill the XXXX throught it Out Rush More mortage loan company claims that we missed payments from XX/XX/21 to the presnt Date and they just sent back XXXX Payment. So we presented our bank statements of those Dates they claim we missed to our Bankruptcy Lawyer and she Presented them to the XXXX and Rush More Lawyers on the court date.Come to find out they didn't Receive our first Modification forms so the XXXX suggested that we file for another modification so we did that and XXXX  it to Rush More so a few days later we contacted Rush More to see if they received our paper work for Modification the answer was yes they can't proceed. Untill we pay the Payments they claim we missedso we contacted our Bankruptcy lawer. So she say that she can't help Us in this Matter. Order for us to save our Home for last XXXX plus years from Foreclosure we must come up with those Payments That Rush More claims we missed. we need to come up XXXX Dollars by the XX/XX/XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I contacted Equifax and they advised me that they could not help with a dispute regarding inquiries even through I did not authorize any company or anyone working for a company to pull my credit report. I did not do a credit application to authorize anyone from these companies to pull my report. These inquires are fraudulent & according to FCRA these inquires must be removed.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am trying to apply for a mortgage and the lender is not able to pull Equifax report. I used to live at one address which is very similar to where I am staying for the time which is 5 houses down from our old place. You are not letting the mortgage lender XXXX XXXX run my credit due to a " freeze, '' that is not even on my credit report after speaking to 4 different agents within the past week! I need you to allow any and all mortgage lenders to run my credit report ASAP as I am needing to apply for a home loan in this present moment.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

CONTRACT CALLERS INC Last reported XXXX  XXXX, XXXX {$270.00} Reported balance Original balance {$270.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 6 mos ) Account status Open Type Original creditor name XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (TN)

I am a victim of identity theft. I received a notice that a debt collector called FRONTLINE ASSET STRATEGIES with an original creditor of XXXX has opened an account in my name. I am not a XXXX customer not have I ever been. I spoke to XXXX today and was told to inform the debt collector that this account was a result of identity theft.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I have had a tXXXX credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called XXXX XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. 
I then received a letter from ERC a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that XXXX reduced my credit limit from {$1500.00} to {$300.00}! 
I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. 
I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the XXXX main credit reporting agencies ( XXXX, XXXXXXXX XXXX XXXXXXXX ).
Consumer complaint received 2019-09-26
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: Experian Information Solutions Inc. (AL)

I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.
Consumer complaint received 2019-09-26
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: EQUIFAX, INC. (AL)

I was told that my application to refinance my car was only going to be sent to one company by XXXX and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called XXXX to check on my application because I had not been contacted. I was told by XXXX XXXX XXXX that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called XXXX on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.
Consumer complaint received 2019-09-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

An unknown number called me today XX/XX/2019 at XXXX and left a message to call them back at ( XXXX ) XXXX. After calling the number the guy on the other line stated that he was an attorney and I was going to be sued and served papers to my home and or workplace on a specific date if I did not pay in full. He asked if I was trying to commit fraud and had all of my information without my permission. I have contacted the company to dispute the information and feel that I am being pressured to pay when I do not have the funds. They are trying to get a third party debt collector involved by saying they are attorneys when they really arent. Threats coming to my home and workplace is very concerning.
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (FL)

I was contacted on XX/XX/2019 by Medical Business Bureau ( MBB ) about two medical bills. I had previously contacted the creditors when I received their bill and informed them that my insurance company was still processing their claim. I was about to board a flight to my country as I am a XXXX  XXXX in the USA. I  explained to the agent that my insurance company and processed one account and the other was still being processed by them. I requested that MBB contact XXXX XXXX XXXX XXXX to get an update on my file. I explained that I was leaving the country and that I would contact them upon my return. The agent told me they would make a note on my account. When I returned on the evening of XX/XX/XXXX, I found a collection notice dated XX/XX/2019. On XX/XX/XXXX when I returned to the USA, I called the collecting agency and told them that one bill was paid on XX/XX/2019 and the other was still being processed based on the Explanation of Benefits ( EOB ) from my insurance company. The agent told me that I needed to mail the EOB 's to them and that if the debt was not settled by XX/XX/XXXX it would be reported ro the credit bureau. I asked how can you be putting a collection on my credit report when my insurance company has not completed processing the claim and they are responsible for paying the bill? I requested an email address to send the EOB to but was told it had to be mailed in, they do not use email. I mailed the EOB 's of the paid claim and the one that showed pending to them on XX/XX/2019. On XX/XX/2019 I called MBB again informing them that the second claim was now processed ( XX/XX/2019 ). I told them I was mailing the EOB to them. Last night ( XX/XX/2019 ) I checked my credit via XXXX XXXX and see both bills being reported as collections!!. I disputed both collections recorded with XXXX and provided the EOB for both bills showing that the insurance company paid both bills. This morning ( XX/XX/2019 ) I called MBB to ask about it and was told that they only have the EOB showing the bill that was paid and the one showing that the other bill was pending. I told them that the completed EOB for the next claim was mailed to them over two weeks ago. They have not even contacted XXXX XXXX   XXXX XXXX to update my account. Even though they confirm that they received the first EOB showing one payment, they still reported it as a non-payment to the credit bureau. When I asked about this, the agent told me he would remove that one!! Isn't this dishonest? I told him that I sent both EOB 's confirming that the insurance company paid and that I wanted both removed or I would contact a lawyer. Medical Business Bureau should not be reporting collections to the credit bureau without the correct information!
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

XX/XX/XXXX charges were made to a new credit card account number ending in XXXX that was generated by USAA Credit Card Banking Services without authorization request or knowledge of this new card or account. This card was then activated and used by the person whose name it was issued to and accumulated charges all on date referenced above in the amount of {$2000.00}. Additionally, charges were not declined when the credit limit was exceeded by almost this entire amount. This was brought to my attention by a fraud alert message on my phone the day of transactions to which I responded. All the charges were removed initially and pending investigation resulting in One of the charges removed from my account as unauthorized however, the others remain on my account which holds a different account number and has held this number for many years. I have sent three letters to USAA Credit Svcs. and have received no response addressing the specific issues stated in the letters ; XX/XX/XXXX and XXXX, XXXX.
Consumer complaint received 2019-05-09
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. (NC)

I am a victim of identity theft and despite the fact that I have sent in all identification documents reiquired and all the law enforcement documents required by FCRA Section 605B, Experian is responding that they can not verify my identification.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

In response to a previous complaint chase is claiming they have no proof of insurance on a property they service the loan for. That is a lie. I received a letter from XXXX XXXX on XX/XX/XXXX requesting I provide proof of insurance by XX/XX/XXXX ( yes, the next day ) but she did not include in the letter a fax number or email to provide that information. 

On XX/XX/XXXX I faxed a copy of my insurance policy to the insurance department listed on the back of my statement and I also emailed a copy to Chase. I am including a copy of that proof to this complaint to prove the property has been insured during the time frame indicated in Ms. XXXX letter. 

I also contacted XXXX, the previous company handling my loan and they denied the claim that they did not have proof on insurance on my property. They pointed out that if they did not have proof of insurance they would not have established an escrow account as Chase has done.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

spoke with select portfolio services rep XXXX on XX/XX/XXXX who put me on a payment plan and told me I would not be reported late to my credit. if I had known I would be reported late I would have made a payment immediately. I asked select portfolio to investigate spoke with supervisor XXXX and they have refused to remove the late payment from my credit. I am left with no choice but to seek address from cfpb.
Consumer complaint received 2019-09-26
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. (CA)

Mailed in a lengthy thorough dispute that went ignored by Experian, I also upload the same information using their uploading system. Since the law requires them to respond to muy claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft.
Consumer complaint received 2023-04-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is in reference to complaint XXXX. The reporting agency is stating that they need 60 days to complete the investigation. " THE FRCA states that the reporting agency must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA. 

As such, I request that the incorrectly listed late payment from XXXX # XXXX be immediately deleted from my credit report. Not doing so is in direct violation of the FRCA guidelines
Consumer complaint received 2019-09-25
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. (NC)

I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************
Consumer complaint received 2019-09-25
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. (NC)

I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************
Consumer complaint received 2019-09-25
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: LEXISNEXIS (TX)

On XX/XX/2019, I applied for insurance through XXXX XXXX. I was told by the rep that Lexus Nexus had reported incorrect information pertaining to insurance with XXXX as they report I just started with the company but, I have over 6 years of service with the company. I have good credit, never had any accidents in my life ( at fault ), never had a traffic ticket, and, on my way in two months of finish the XXXX XXXX. I am a victim of fraud as listed on my credit report and I never knew Lexus Nexus was a credit reporting agency until that date with XXXX XXXX ( getting a quote ). This is not fair an this company is responsible for updating their information. This company is costing me thousands of dollars with their false and misleading reporting.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

Several mediation requests were mailed in to Wells Fargo, a total of four packets received, three filled out and sent in requesting a refund in the amount of {$610.00} in overdraft fees. The fees in question are a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need, with the presumption they were to be used for bill pay. A settlement amount was offered, agreed upon, no payment received. The amount, {$3700.00} was offered by an XXXX XXXX with Wells Fargo after speaking on the phone. Since no payment was received, additional CFPB complaints were filed requesting a refund of {$610.00}, this amount was shown on statements received showing a total of {$870.00} in overdraft fees ... Small refund amounts of {$85.00}, {$50.00}, {$120.00} were received prior and are reflected in my claim for {$610.00}. Most recently, a denial letter was received from mediation, citing a settlement check was cashed when it was not received by myself..When the settlement was accepted, I requested a hard copy of it from XXXX, she said she could do not do that.. I believe Wells Fargo is trying to hide their shady practices which respect to opening accounts to boost profits and charge fees to those accounts by offering a fake settlement as they would not put it in writing and have denied payment.. I am back to requesting a refund of overdraft fees which I total in the amount of {$610.00}, since no payment was received. This information will be sent along to attorneys investigating Wells Fargo as well as other financial institutions for their practice of charging overdraft fees. In closing, please advise Wells Fargo I will post my experience on several consumer rating sites to expose their shady tactics
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My Capital One card I opened is a XXXX XXXX card, which promises 3 % back at Entertainment venues such as theme and amusement parks, bowling allies, movie theaters, etc. I specifically opened this card with the premise of going to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, in XXXX Florida. There all are attractions that should fit the perpetrators of the card to receive 3 % cash back. 

When I returned I found that {$300.00} in charges were incorrectly given 1 % cash back. 

I called and filed an escalation to get the reward points I rightfully earned. The meat of my concern comes in when today XX/XX/XXXX when I received a phone call from Capital One indicating we were on a recorded line. The representative was named XXXX his rep ID was XXXX at XXXX central time. He called to inform the of 2 things. 

First, they would not be able to instate the rewards I had earned as they felt 1 % was correct. Secondly, he indicated that he would issue me a {$6.00} statement credit. I asked for a confirmation number, email, letter, or something to assure me that promised credit was valid. He informed me that he could not do anything but give me his word that he would issue a {$6.00} credit. I asked him if I could record the phone call. He came back and stated that company policy prohibits recording of the phone call. I acknowledged this and asked him for his rep name and ID as stated above. He assured me that they typically do not honor requests of credits and that this was a one time courtesy. He said that the credit would appear on my account in 1-2 business days. 

I called back later this same day to make sure the memos were on the account as the recorded phone call went down, and the next supervisor was unable to corroborate what went down. I was livid. This was the entire reason I asked for proof. I felt something was off and that although on the recorded line he promised me a {$6.00} account credit, I felt he wasn't going to honor it. 

I asked the manager, XXXX rep ID XXXX, to pull the recorded phone call. She said that she could not pull the phone call and he could not honor the credits he had promised. Capital One refused to honor the credits agreed upon on a recorded line. Capital One refused to pull that call to verify the facts. The benefit of a recording is you don't have to believe either side, you have the recording of the facts. 

I want Capital One to pull the outbound phone call to me by XXXX. Here not only where he said they would not give me the rewards balance, but here where he said they would be issuing me a credit of {$6.00}. Here where he said it would be posted to my account. Here where I asked for any form of confirmation that it would be posted to my account.
Consumer complaint received 2019-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (TX)

Was notified via credit monitoring my credit report changed. 
BC Services Inc placed 2 collections on my report. 
Called BC Services to get back up, they stated they did not have but was for medical collections. 
Called XXXX First collection {$130.00} Second collection {$100.00}