davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting " the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the " forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.
Consumer complaint received 2024-02-23
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. (GA)

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

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, 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 a account without my 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 2020-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
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: BBVA FINANCIAL CORPORATION (TX)

My scheduled payment of XXXX for the month of XX/XX/2020 was made XX/XX/2020 and I paid XXXX {$130.00} to the payment and the remainder to the principle with Compass bank, I have accelerated these payments over the last 6 months at the same bank, I received notice that I was 30 days late on my payment, I contacted the bank and got the complete run around shuffled around to several different people that I could barely understand, 2 days later my statement was corrected and they claim to be investigating the late entry? I am in the process of making a large purchase that I was approved for but later got declined due to a 47 point drop on my credit due to their mistake that they acknowledge, but they are moving slow on correcting this error saying I might have to wait until they report again in up to 30 days, I told them that incorrect information must be corrected in a timely fashion and not when they feel like it, after admitting they made a mistake someone should have expedited my case, I have 3 ticket numbers they gave me, XXXX, XXXX, XXXX, I spoke to a man named XXXX, and XXXX and 3-4 other associates
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I am the author and owner of all communications withing this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed Please Validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.
Consumer complaint received 2020-11-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Specialized Loan Servicing Holdings LLC (SC)

Please remove the late payment from my credit reports. I have always paid on time and due to Covid, I only had one 30 day late payment in XX/XX/2020 to occur on my credit report for this account. I am trying to get an auto loan and it is creating a major hardship for me The late payment was told to me by your company that it would be deleted but it wasn't. I would really appreciate it, if it's done soon as possible. 

Thanks.
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (AZ)

The account in question was opened back in XXXX by an ex that is now deceased. I have reported it to the original creditor, the FTC, and informed the collection agency multiple times since it was first reported to my credit reports back in XXXX. 

Within the past year, I have contacted the collection agency and the original creditor asking for proof that I owe this debt and they refuse to provide validation. I have disputed this with the credit bureaus and they continue to state the debt was validated without providing any proof. The collection agency is reporting that the debt took place in XXXX which is false and refuses to provide me with copies of bills or invoices. 

I have written correspondence to the collection agency dated XX/XX/XXXX asking for written correspondence showing me that I owe this debt and that it is not past the statute of limitations. They sent a letter back stating it was verified and did not provide me with any proof or remove the collection account from my credit report.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I Have XXXX hard inquires, XXXX from XXXX and XXXX from XXXX on my Equifax report that are not mine. I tried using Equifax to dispute this but they came back saying that they are mine. But I have never delt with XXXX and I have n't been a XXXX customer in years.
Consumer complaint received 2015-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NJ)

They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. 
Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (AZ)

I RECD A CALL ON MY CELL PH FROM UNITED RECOVERY SYSTEM XXXX .ASKING THAT I CALL XXXX REGARDING A DEBT.I CALLED THE XXXX NUMBER AND LEFT A MESSAGE THAT THEY HAVE THE WRONG PERSON/PHONE XXXX DO NOT OWE ANYONE MONEY.CALLED ARIZONA XXXX AND FTC AND ADVISED TO FILE COMPLAINT WITH YOU
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (MI)

i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (VA)

I pulled my credit report from XXXX and noticed an account I did n't recognize. I mailed a letter ( attached ) to Enhanced Recovery regarding this collection for " XXXX. '' It has been over 30 days since I mailed the letter and have had no response. And now XXXX is reporting this account on my credit report.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XX/XX/2018 I am being hit with a Inquiry from XXXX XXXX. I never made said inquiry. This is fraud. I never authorized or signed anything with this company and have no idea what they are talking about. I called them and they said best thing to do was to report here. Just want this removed from my credit.
Consumer complaint received 2015-05-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

My current servicer is charging high fees to make mortgage within the grace period and the more days passed within the XXXX days grace period the more the fees are. Why have a grace period when you tacking on fees to take the payment and these are not late fees. 
They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation. 
I made my most recent trial payment since XXXX XXXX that was mailed directly out of my bank account and they can not seems to locate it. 
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The XXXX XXXXXXXX XXXX  XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$740.00} The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX XXXX. As per XXXX, the XXXX bureaus and the furnisher are to provide XXXX XXXX  accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Armada Corp. (WA)

After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

For the past 8 years I have always paid my XXXX XXXX mortgage on time and on the same date via their phone system. Recently I found that when I went to pay that my previous month 's payment was coming up late. I knew this could not be the case because I had a confirmation number and I also saw a {$15.00} phone transaction fee deducted from my account from XXXX XXXX the same day. Feeling confident that it must have been a bank error I called them and immediately paid both months. While on the phone I was also informed that they had reported me as late to the credit bureau! I could not believe it. Still I assumed that they would just fix it. Afterall, I was given a completed transaction confirmation number from them and they charged me the phone transaction fee on the due date so it was clear that I used their system so obviously I thought I had paid. In addition, I need to note that neither my co mortgagee nor myself ever received an email or voicemail alerting us that we were late on our payment. The bank claims that their telemarketers did leave a message. Absolutely they did not. If they had of course we would have responded asap as it was in our best interest to do so! I also have proof of funds for that week from my bank as I wanted to show them that I had the money in the account so they could see I could pay at that time. Ultimately after XXXX rounds of disputing this including contacting the President 's office to try to get XXXX XXXX to do the right thing they will not. Their final stance is that I apparently entered a XXXX when it should have been a XXXX when entering my bank account number in their phone system and because of this it is my fault and they will not do anything to help me. I have not seen their proof and believe that this could just as easily had been an error on their part. Even if it was a human error on the part of the customer, they have my 8 year payment history always on time, on the same day every month. They have proof that I did the same that month on that date as their system gave me a confirmation number! If I have a confirmation number and no one notifies me that there is a problem, how can I fix it? When I did go into my account later in the month and saw the late notification I called and paid on the spot. The end result for me and my co mortagee is that it has dropped my credit rating XXXX points from good to fair. This has enormous negative ramifications for me/us as we need to refinance the house this year and now do not know if we can and if so it will cost us more and the interest rates will be higher. None of this makes logical sense. Why should a loyal customer who has paid on time for 8 years and has paid out hundreds of thousands of dollars to XXXX XXXX XXXX Mortgage be left flapping in the wind like this for possibly, accidently entering a XXXX instead of a XXXX in the phone system while trying to pay my mortgage on time?! It is just insane. Can someone please help us?!
Consumer complaint received 2024-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Flexible Finance, Inc. (GA)

FLEX FINANCE Account Number : XXXX - This charge-off account shows a {$790.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. Additionally, XXXX and XXXX already removed this account from their record due to inaccuracy.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

The credit card company " Discover '' refused to lower the 24 % fees or help by reducing the monthly payment. 
I could not continue making payments, due to lack of work and my SSI could not handle the extra fees and penalties. 
I am XXXX years old and SSI is my primary source of income. 
The credit card company added more fees and wants me to pay the new fees @ 6 % interest, but refused to offer that when I was able to make payment. 
XXXX help, I am being harassed by a loan shark that ruined my credit and I can't even get a HELOC Home Equity line of credit to pay these bogus charges because of my credit rating.
Consumer complaint received 2015-08-03
Product: Credit card — 
Issue: Other — 
Company: EQUIFAX, INC. (MA)

After going over my credit report from Equifax, I noticed that there was an additional closed credit card account. I only have XXXX credit card from XXXX XXXX XXXX, which is in good standing, so I automatically knew that this credit card was n't mine and as further proof, the status lists the CONSUMER as DECEASED since XX/XX/XXXX. This mishap should n't have happened because something like this should be automatically flagged by their operating system, especially since this occurred 4 years ago. Additionally all the end dates, listed under the " address information '' section of the credit report all conflict with each other. All XXXX apartments report that i left XXXX of them on XX/XX/XXXX and the last XXXX I left on XX/XX/XXXX. Also since the move in dates are accurate it appears that I have been living in XXXX separate apart 's concurrently. Its ridiculous and it could cause me future problems, potentially when I try to rent or buy a place of my own and it should be corrected or removed immediately by them.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (AR)

I was seen in the Emergency Room at XXXX in XXXX Ohio ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) on XX/XX/XXXX due to testing positive for XXXX and having severe XXXX XXXX XXXX. When I was triaged I was specifically asked if I was there for XXXX and I told them yes. I was not informed or aware of the XXXX for the Uninsured program. Accordingly, I applied for financial assistance and XXXX never contacted me regarding my application for financial assistance. After a time, I assumed it was taken care of. 
I received a collection letter from XXXX XXXX for {$890.00}. The physician I saw while in the Emergency Department was XXXX XXXX MD who is part of XXXX XXXX XXXX XXXX which is the company that sent my account to collections. 
I received a collection letter from XXXX XXXX XXXX for {$240.00} which now has my account from XXXX XXXX XXXX XXXX. 
I received another collection letter from RMP Services LLC for {$2700.00} which now has my account from XXXX. 
After receiving these bills and doing research I found out that XXXX in XXXX, Ohio participates in the XXXX for the Uninsured program. On XX/XX/XXXX I left a voicemail with XXXX, who is in the billing department at XXXX. She returned my call on XX/XX/XXXX and stated that she looked through my records and it clearly indicated that I was there due to XXXX. XXXX stated that she would send the records back to the providers to get the correct billing code and advised me to call all collection agencies and tell them to put my account on hold until this is resolved. I have left voicemails for each collection agency above asking for my account to be put on hold and I am currently waiting on a call back. This has taken so much of my time and effort and if it were not for my tenacity I would be in an unsurmountable amount of debt, which no American should be subjected to due to XXXX 's incompetence. 

I was not educated at all on what resources I had available to me other than financial assistance. According to XXXX XXXX has only been paid {$170.00} for treatment of XXXX through the XXXX for the Uninsured program compared to their counterparts who have received over {$200000.00}.
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IL)

Every month when my payment is due I'm locked out of my account and get transferred to numerous places and countries trying to get access. They never gave me my store card so I have no idea what the number is. This is now the 4th month, 3rd since escalating to the " executive department '' that this has happened. I still do not have any idea what the card number is and can not get access to my account. I'm not XXXX I write down the login and passcode and it works right up til a day or so before the bill is due. It is my belief that they are doing this intentionally. They promised to waive the late fees on this and didn't and none of the issues have yet to be resolved. I ask to speak with managers and they tell me Wells Fargo doesn't have any. Please help.