davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I am writing this letter in regards to a two issues I have had with Carrington mortgage but primarily due to a recent 30-day late payment. Initially in XX/XX/XXXX I came home from XXXX for vacation. I received several letters saying I was 90 days late on a mortgage payment. Carrington did not process my correct account and routing number to take the automated payment. I called and complained and I was told by the customer rep. that the problem is resolved. Carrington not getting my proper account number then saying I was late was unacceptable. Thankfully this issue was fixed. Then in XX/XX/XXXX I set up an the same auto payment for the same mortgage, with the same system. I double check the account number and the rounting, and their system also have a check system too. When I logged in to set up the auto pay for XX/XX/XXXX, it would not allow me to set up payment for XX/XX/XXXX. I have no idea why. The verbiage was a bit confusing and I thought it was saying that it would take out both payments in XX/XX/XXXX since it would not allow me to set up payment for XX/XX/XXXX. Apparently this was not the case. I just received a 30-day late payment for XX/XX/XXXX. I never got a single phone call regarding the late payment or any paperwork until after the payment was 30 days late. This is a problem I had an XXXX credit score now I have a XXXX. I also had the funds in the account so this was not the issue either. This is a serious problem ; this should be removed from my credit because I clearly have great credit and I always pay my bills. This issue is simply due to a misunderstanding, a auto payment system error and unclear instruction for the payment of XX/XX/XXXX. I am in the process of getting a business loan approved and a home equity line of credit as well. I need this removed from my credit and I need a letter from Carrington saying they authorize its removal so that I can proceed with my loans. XXXX XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-01-08
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

I am the consumer, original creditor and natural person. Navient has committed mail fraud pursuant to 18 USC 1341 by mailing me bills on a weekly basis requesting payments on fraudulent loan accounts that it opened in an attempt to defraud me to obtain money from me. Pursuant to 18 USC 8, the United States is responsible for all bills, not the consumer. Navient is a treacherous, devious, and evil entity.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (TN)

It has came to my attention you guys are trying to collect a debt ; which was a result of Identity Theft. Attached is a dispute letter ; and my ID Theft Report. 

I ask that you immediately stop contacting me, remove the account, and stop all collection activities as soon as possible.
Consumer complaint received 2020-09-21
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. (PA)

After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 # XXXX, XXXX XXXX  # XXXX
Consumer complaint received 2021-03-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (TX)

Hello, In XX/XX/XXXX I entered in to an agreement with Aqua Finance to finance my bathroom remodeling through a 3rd party contractor.

All is well, overall with one exception. They refuse to remove my method of payment on file citing they only process payments between 2-5 PM each business day. Thus the need to keep the entire card on file. 

They say it is to protect in case of something not processing correctly but does not offer any option for one time payments online for its customers to enter. 

I do not want my credit card information saved on file but their limitations in payment processing nor offering any options for customers to process as they choose online, force my info to be available. 

Im seeking resolution here. It does not stop 10 phone calls per day at all hours from happening when a payment is late even a day.

Let me also add that if paid a day late the next months charges are already added the total amount due forcing you to pay the next months bill early or having to call or answer one of their 10 calls a day to process.

Thank you for your time. 

Respectfully, XXXX
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (MI)

I have one accounts with First National Bank of Omaha ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (MI)

Key Bank I am a 50 % beneficiary ( Proof of Death ) on my mothers bank account. I provided a certified death certificate and the bank will not issue the 50 % balance. They stated that Key Bank policy is to require both parties must be present in order to distribute and close my deceased mothers account. I have done the following to remedy this issue.
Call customer service number " multiple '' times and logged complaint Bank XXXX Ref # XXXX one example.
Request customer service to escalate to corporate and they stated this was a branch decision. When to a second branch office and they stated the same policy.
Request the contact information for the Key Bank Compliance Officer an was denied information. Request that I send a e-mail my complaint in a e-mail which they to forward and they denied this request as well.
My mother had accounts at other financial institutions and I was able to withdraw my percentage without have other beneficiary present. ( i.e. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. )
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened a Bank of America bank account of XX/XX/2020 after experiencing fraud on my XXXX account. XXXX suggested that since their investigation was going to freeze all accounts, I should have my paycheck ( paid on XX/XX/2020 ) deposited with another institution to avoid any issues. I went to Bank of America and opened an account that same day ( XX/XX/2020 ). I received my paycheck on XX/XX/2020 in paper check form since it was too late to submit a direct deposit change with my employer and deposited it with Bank of America. I called to check on availability of funds on Monday and they told me it would be 12 days to access the funds. 

I checked with my employer who confirmed the check had already been processed and the funds removed from their payroll account. I waited until XX/XX/2020 to allow the check funds to settle with Bank of America, assuming that once they received the funds, they would have no reason to continue holding my funds. I visited a branch at XXXX and XXXX in XXXX TX and spoke with a temporary manager of the branch ( XXXX XXXX XXXX ) who said that she could do nothing. I asked for her to speak with my boss who could confirm the check, my employment, the availability of funds, attest to the fact Bank of America already had the funds, and his inside knowledge from being a former XXXX XXXX. XXXX was rude and refused to speak to my boss after I authorized him to speak with her. She told me that Bank of America regularly holds paychecks for multiple days and to just wait the 12 days. I pleaded since I had no access to any other funds that I needed it to clear as soon as possible and she did not care. 

I then emailed the executive relations team at Bank of America with the same information I am relaying here on XX/XX/2020 near the end of business. I assumed that based on the urgent nature, they would reply but after 24 hours, I received no word from them and am forced to pursue this route.
Consumer complaint received 2017-08-08
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. (NY)

I have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XXXX2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. The previous month as well as the month prior. Since I thought the article was not being reported lawfully, I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your side to give you another 30 days to comply with my initial request.
Consumer complaint received 2020-09-21
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. (GA)

This company continues to report a bankruptcy on my credit file. I've previously asked for the method in which they received the information reported. Their response in writing has been ; the source of there information is via XXXX. I've contacted XXXX and received a letter that the bankruptcy reported is not valid. As a result, information should be removed. See attached.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

I went into forbearance with US Bank due to covid concerns and requested to end the program on XX/XX/XXXX. They were supposed to provide with paperwork to complete the request and did not. I contacted them on XX/XX/XXXX asking about the paperwork and was immediately sent it via email. It stated I had until XX/XX/XXXX to sign and file the final paperwork to defer payment to the end of the loan and officially resume my regular payment. I called on XX/XX/XXXX because i had still not received the paperwork. I was told it was still in underwriting and they were backed up. I called again on XXXX and was assured they were working on it ad someone would get back to me. Again i called on XX/XX/XXXX and was told they were going to escalate the issue and would get back to me ASAP with a resolution. Today XX/XX/XXXX, after not hearing back from anyone, my loans was placed into collections with no notice or information from US Bank as to why, or any paperwork to defer payment and finalize my forbearance. US Bank has failed at all turns to resolve this situation. I resumed payments on XXXX and the funds were placed in suspension.
Consumer complaint received 2020-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (IL)

This loan # XXXX was included in my bankruptcy, which was discharged XX/XX/2020. I have told the representative this, my attorney has contacted them and told them the same thing. However, they keep calling for payment. The original loan amount was {$700.00}. The accrued interest has driven this balance much higher now. 

I have no intention on paying a debt that was discharged in federal bankruptcy court. Im pretty sure the pursuit of collection, violates federal law.
Consumer complaint received 2020-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a complaint with the XXXX  regarding my Capital One/Walmart account because Capital One was failing to accurately report the correct balance, so in response Capital One chose to delete the entire account tradeline from XXXX  on XX/XX/2020. I called Capital One and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the XXXX  to make the correction when Capital One is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if Capital One went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and Capital One should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and Capital One will not cooperate with me as usual. I am attaching a copy of the dispute report from XXXX  to show the before and after to show that they in fact had my tradeline deleted.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

been calling and trying to email for the last 3 months. My loan was bought out from XXXX XXXX by Navient. Not sure why my rate went up without my knowledge. In addition there is a promissory note not signed by me. Also, from what i see on the summary page of what i finance i over paid and am due a credit.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

****also see attachments as well**** I'm writing because all account numbers are reporting inaccurate on my reports. 

Im notifying you that the following account ( XXXX ) is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character ( defamation ). 

There's inaccuracies on my consumer report. All the account number are different and the law states the agencies shall follow maximum possible accuracies. ( SEE BELOW ) XXXX XXXX Code XXXX ( B ) - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX DELETE THE ACCOUNTS BELOW ( proof attached ) EQUIFAX XXXX XXXX XXXX  XXXX - Account XXXX - Date : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX - XXXX ATTACHED ) they are reporting with inaccurate account numbers which is a violation under XXXX XXXX XXXX XXXX B ) so they XXXX XXXX XXXX these account like XXXX did XXXX
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

On XX/XX/2022 CREDIT COLLECTION SERV added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CREDIT COLLECTION SERV has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2024-02-29
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. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (VA)

XXXX XXXX Equifax are not allowing me to access my credit reporting to make updates or dispute actions. 

FCO collections is not mine. I have requested that this be removed. FCO failed to provide me with a contract stating that I owed the debt to XXXX XXXX I provided all parties necessary the legal court order saying I didn't know the money, I only owed attorneys fees. 

The only things that should be on my credit report are the following : XXXX XXXX Accounts : Student Loans : I have all the letters submitted to agencies and the letters requesting verification of debt. Which includes debt with my signature on it agreeing that I owe the debt of obligation. None was provided and I sent a letter to both parties disclaiming the unverified debt. 


All of my credit reports are in accurate. My XXXX Report is the most accurate and the most update.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 USC 1681. Act Name : XXXX XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX XXXX Act Number : XXXX Act Name : XXXX XXXX XXXX, Act Number : XXXX 15 USC 1681 section 602 A, 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 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, 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 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years