davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

This company is continuously reporting this invalidated debt to my credit report. It does not belong to me. I have never received any written notification ever about this supposed debt. I have never been given a chance to validate this debt because I never receive any notification besides an alert on my credit report. This does not belong to me.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (SC)

I have been with American Express for over 4 years and this is my 2 time applying for another card and a credit limit increase and I have been denied. This is an unauthorized use of my credit card ( 15 USC 1602 ) American Express used my credit card and I didn't benefit from it on them. American Express can not deny me my own credit because that is a violation of 15 USC 1691a ( 3 ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction - ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1691b ( 1 ) says It shall not constitute discrimination for purposes of this subchapter for a creditor - ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness.

American Express denied my applications due to credit worthiness which is a violation under the Equal Credit Opportunity Act and according to 15 USC 1691g they are civilly liable for the violations the committed.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

XX/XX/2020 My current loan process at Quicken Loan has been stalled for so long and been frustrated with the company process and lack of transparency to consumer. I started the application to refinance an investment property in inland XXXX county with QuickenLoan around XX/XX/2020. Unbeknownst to me that the process has been abnormal and so long that no one at the Quicken Loan can me a straight answer why it takes so long to resolve. I have been in constant contact with Quicken Loan representative, specialist, and to date, it has not been successful. Lesson learned for me and other consumer out there that though the on line refinance process seems attractive but lack of dedicated representative is trouble. On top, all the helps and contacts have been more social the contact has been made but no real business decision to close the loan with individual like me. 

So, if you are in hurry to refinance with on line company, just be ready for surprise and delays Feel free to contact me for further XXXX XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

XX/XX/2020 XXXX Called Shellpoint/NewRez to check status of escrow analysis, was told it was in process and company has until XX/XX/XXXX to complete. 
XX/XX/2020 XXXX Called Shellppoint/NewRez to advise still no escrow analysis received, XXXX advised he ordered on " super expedited '' and request should be complete within 1-2 days, and in my mailbox by " next week '' XX/XX/2020 XXXX Called Shellpoint/NewRez for status of escrow analysis, was informed payment due increased due to having 2 homeowners insurance policies. Was on the phone with XXXX XXXX, I was informed that XXXX policies were being charged on escrow, I emailed XXXX Page of the correct and only policy, and this was corrected to one homeowners insurance policy. New escrow analysis ordered. Was advised request was " expedited '' and should be complete by end of week. 
XX/XX/2020 XXXX ( XXXX ) Called Shellpoint/NewRez for status of escrow analysis, will be done by Weds, feel free to call us on Weds for results/information. 
XX/XX/2020 XXXX Called Shellpoint/NewRez, ( XXXX XXXX the XXXX ) not completed yet, call back in a few hours if you'd like. I hung up disgusted and angry.
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I paid my loan off in XX/XX/2020. After several phone calls I have not been able to receive my title and can not register my car. The finance company said that they sent my title to the wrong address but would send a notorized paper to my correct address so that I could file for lost title. They have not done so. I have called them 5 times and only the last time was given any sense that the person on the line was going to help me. Each time they said that they sent the document, but I have not received it.
Consumer complaint received 2020-08-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (AL)

I got a Loan for {$500.00} from speedy cash in XXXX. It was not totally paid. In XXXX, XXXX put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent an email to captial one so i can get my missed payments removed from the account. They are from XX/XX/XXXX through XX/XX/XXXX. I lost a job and my apartment and could not make payments. They tried working wiht me. I have asked them to remove my late payments they replied with letters stating they report all acurate information and to send the dates that was not accurate. The same thing happened in XXXX of XXXX through XX/XX/XXXX. This was due to me moving and again lost another job. Now I am looking at working for myself as a XXXX  XXXX. I have asked for help in spite of covid19. I wrote them a letter on XX/XX/XXXX stating all of the dates i was late and asked for a removal. They gave me a letter saying thatI need to provide my information again. Im not sure why i keep getting this letter.
Consumer complaint received 2020-05-17
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: Nelnet, Inc. (FL)

Due to the COVID-19 I have reached out to Nelnet student loan service to ask whats options I had in a assistance with financial stress. I was given the option to place my loan in forbearance for 90 days, which I opted to do. The company did not let me know that they would be placing a note on each credit reporting agency under their debt the consumer has been affected by a natural disaster in which has dropped my score by about 20 points on each. I asked to have this removed to no avail due to the negative effect is has had on my credit score.
Consumer complaint received 2020-04-27
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX  XXXX {$620.00}
Consumer complaint received 2023-03-23
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureauhas the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL  CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any  notice of collection
Consumer complaint received 2020-05-17
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: EQUIFAX, INC. (CA)

On XX/XX/2020, I mailed a letter to XXXX in regards to accounts listed on my credit report. I wanted XXXX to verify the listed accounts below. 
XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX Massachusetts XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX Unverified Account Being that I had not heard from XXXX so on XX/XX/2020, I mailed a No Response Letter asking for deletions of said accounts. Additionally, I mailed a new letter on the same day asking for vertifications of the accounts listed below. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unverified Account As of XX/XX/2020, I still have not received any correspondence from XXXX regarding both letters mailed to their office.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nationwide Recovery Systems, Ltd (OH)

I received a call today at XXXX from No Called ID. I did not answer it and let it go to vm. My exhusband then received the same call at XXXXXXXX XXXX right after me, leaving him a voicemail. We are not married. They left a voice mail saying they were coming to my house, and saying the number I'm calling is the filing department with a case number. Be advise she will need to call to get a stop order so she doesn't have to come out and serve me. For me to call the filing department. They left my personal information on his voicemail. We have been divorced for 5 years now. He has no right to any of my business. The message left for me to tell me she is a private courier and she was calling to notify me that I was on her schedule to be served with documentation tomorrow, XX/XX/XXXX and for me to call XXXX and the case number is XXXX and to be advised that if a stop order is not received she was going to come to my employment and my residence tomorrow to serve and take me and to make sure I have my ID prepared. I called this phone number and they told me they were Nationwide Recovery Systems. I told them the message I received. They said they were sending someone out Friday XX/XX/XXXX to serve and get me. I asked them what was this about, they said a debt with XXXX XXXX. I told them I have not received anything through the mail about some debt, which by the FDCPA law would give me 30 days to dispute. They claimed they " emailed '' me. Which was false. They threaten to take me and take actions, but would not tell me what the debt was. I told them verbally I was giving them a cease and desist to not contact me and not to contact my ex-husband and they were only to provide documents through the mail. I informed them I was filing this complaint because their actions are against my personal rights with FDCPA, ECOA and RESPA. The guy laughed and told me I didn't know what I was talking about and they would just come and get me tomorrow. They threatened my life.
Consumer complaint received 2021-10-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc (TN)

I have an auto loan originally with XXXX that has now been charged off and closed for {$15000.00}. I contacted Synergetic communications and spoke with a manager name XXXX and I had XXXX loss recovery rep on the line as well within this conference call. I told synergetic manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that Synergetic doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to XXXX for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with XXXX in the past but I wasnt able at that time due to XXXX XXXX and no longer working. I and the XXXX rep was told by Synergetic supervisor XXXX that they ceased the calling and communication on the account and that it depends on when XXXX pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the XXXX rep confirmed and verified with me that XXXX have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that Synergetic bought the debt from XXXX as a third party collection. She also stated to me that if Synergetic doesnt collect on debt that they would in turn sell the debt to another debt collection agency because XXXX is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because XXXX no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with XXXX directly.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage 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 60 days so they should be deleted promptly. I dehand 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 equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

I've made a complaint on a withdrawal because of it the bank is closing all my accounts including my credit card account ... Because Ive reported a complaint I'm been disciplined for one of their employee 's stealing thousands of dollars from me.. its several deposits that aren't being computed properly dating back to 2020 upon opening my account
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Every time I try to get my credit report, I am told my information does not match which is on the report. I am inputting accurate information and therefore, I assume something is very wrong with my credit report. I am worried that because my name is very similar to that of my brother and father, and we all shared an address recently, that the wrong XXXX might be associated with the wrong SSN. I need to get a copy of my report and figure out what is going on.
Consumer complaint received 2017-09-25
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. (TN)

I submitted a request to Transunion Credit bureau on XXXX/XXXX/XXXX to remove an item that was far too old to still be reported on my credit report. This was the second request for the same issue. I adhered to the payment contract for XXXX XXXX and the account had a zero balance. This information has been reported on my account for over XXXX years. The most recent investigation from Transunion has said that according to their investigation the account is active and current and will continue to remain on my credit report. This is not legal and does not adhere the fair debt collection act. I want this credit bureau to stop breaking the law and remove this from my credit report. This has been reported shortly before XXXX XXXX.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Disputing 30-day delinquency reported to Credit Bureaus. 
- Citibank website 's Auto-Pay did not work and as a result, payment was not made. 
- As I do with all my cards, when I get a new card, I go online and set up auto-pay for the min amount, though I typically pay the full amount, this is a just in case measure. For some reason, the new Citi Mastercard auto-pay did not work for XX/XX/2020 and it went past due. When I found out, I immediately went online and paid in full and reset the auto-pay. 
- This was back in XX/XX/2020, I am an essential employee in telecom and due to the crisis, my responsibilities required me to work 60+ hour weeks. While I would normally double-check all my banking accounts, I did not do that during XX/XX/2020. 
- I called Citi and spoke to Supervisor Agent XXXX ( XXXX ) explained the situation and and was referred to the Citibank Credit Bureau Department. 
- Through a series of postal corresponded beginning on XX/XX/XXXX, and XX/XX/2020, I explained the situation to the Citibank Credit Bureau Department. 
- On XX/XX/2020 I received a letter from them saying : " The above account was removed from credit report because the account was part of brand conversion ... Please allow 30 days for ( credit bureaus ) update their files. " - As of this date XX/XX/2020, this info still shows up on my credit report. I called Citi and spoke to Supervisor Agent XXXX ( XXXX ). He says the reporting is correct but will refer it back to Citibank Credit Bureau Department I have been a Citibank customer for ( a previous card ) for many years. Up until this incident I have had an exceptional payment history. The disputed amount for that month was only {$140.00}, since Citibank had access to my checking account there should have no problem in paying full amount that month and not having to blemish my credit report. If for example, I had mailed a check to Citibank and they lost it, it would not be proper for them to report a late payment to XXXX? 
I hope there is something that the CFPB can do to help me with this situation. Thank you.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MA)

In XX/XX/XXXX, our automatically bank deducted mortgage payment was short due to a rise in taxes in Escrow. We were short {$270.00}. We never received notification from the mortgage company Mr. Cooper that our monthly payment had increased and we payed this electronically on the 1st of every month. I received a text on XX/XX/XXXX saying our account needed attention. I spoke with them on the phone that day, and they explained to us that there was an increase. We paid the additional {$270.00} that day and the representative explained to us it would no way impact our credit score. We then found out that our credit at decreased by over 80 points because the payment was  reported as late. This was only a partial payment was late. We still paid our monthly mortgage on time as we always do.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (IL)

Received letter on the XXXX  of XXXX, with the date of the XXXX  of XXXX. The amount is XXXX. I have been injured on the job due to a fun shot wound while delivering for XXXX. Since I can not work due to the medication and the fighting with Workman 's Comp Insurance am not receiving a paycheck. Discover Financial Services have pursued to litigation against me if I do not pay the debt by the XXXX  of XXXX.