davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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)

There still remains a collection account and fraudulent inquiries on my credit report. 

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 

Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. 
Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

EQUIFAX MORTGAGE SERVICES XX/XX/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 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 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX 2020 I lost my job due to covid and had no savings to fall back on. I contacted Capital One immediately and asked for assistance by postponing my payments so I could try to continue to pay rent and my auto loan, which is also with them. They agreed to postpone payments on my credit cards until I was gainfully employed again on two of my credit cards. I began work again on XXXX XXXX, 2020 and before my first paycheck deposited I checked my credit, which stated I was late, and later charged off, from XXXX to XXXX. When I reached out to them they told me that the covid disaster was unfortunate but there was nothing they could do. I never has any communication from them beofre I reached back out to them informing me of this. This is destroying my credit and making it very difficult to provide for my family. Please don't let this pandemic affect our lives for the next seven years, if the late payments are dropped I can begin paying much more that the minimums again now that I am back to work.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

This happened in XX/XX/XXXX/XX/XX/XXXX. I was in a relationship where my significant other used my Social Security number to obtain a cell phone and account with the phone company all without my knowledge. This was completed twice with two different phone companies without me knowing before my significant other and I left one another. 

I did not authorize such accounts or billings. It was forged. I did not go to the authorities at the time because I was unaware of such accounts and did not know they were collecting debt. 

In XX/XX/XXXX/XX/XX/XXXX I was made aware of one of the phone company accounts and did my best to pay them because I could not make contact with my previous significant other. Nor could I report her because there was no evident fact that I could prove that she used my information without me knowing.

Now the second phone company XXXX XXXX XXXX has sent my account ( {$1000.00} ) to XXXX for debt collection.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX credit card balance is {$0.00}, however on all credit bureaus it shows a balance of {$160.00}. Card balance was paid on XX/XX/22 which resulted in {$0.00} balance.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

My XX/XX/XXXX statement balance on my Chase Amazon Prime visa card statement balance was {$6400.00}. On XX/XX/XXXX of XXXX, I had a credit in the amount of {$210.00} from XXXX XXXX and on XX/XX/XXXX of XXXX, I had a credit in the amount of {$7.00} from Home Depot. Based on these transaction the outstanding balance on my XXXX XXXX statement was $ XXXX $ XXXX {$7.00} = {$6200.00}. My payment that was due on XX/XX/XXXX of XXXX was in the amount of {$6400.00}, an excess payment of {$210.00}. Despite this, Chase charged me an interest fee in the amount of {$56.00} with the reason that I was short of my payment in the amount of {$10.00}. I spoke to 3 representatives, two of who were not able access my transactions. The 3rd saw the issue and said she couldn't give my the money back, despite acknowledging that I had made an over payment in reality. On asking to be connected to a supervisor, I was connect to a supervisor from Missouri, his name was XXXX. He was extremely arrogant and didn't try to understand the issue and refused to make any accomodation. When I asked him where I could further escalate this issue, he told me he is the end and there is nobody else who could do anything about this. He has all the power. 

I find this extremely wrong and perhaps even illegal that they could make these late charges and interest charges without considerations to the credits that were made on the account. I would appreciate your looking into this and helping me out with this situaiton. 

Thanks, XXXX
Consumer complaint received 2021-03-03
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}, {$XXXX}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT XXXX XXXX opened on XXXX XXXX XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

National Credit Systems Inc is reporting on my credit report that I owe them {$3400.00}, when I first researched the company I notice for XXXX they are not authorized to collect debt in my state of Arizona. Secondly, I have no obligation to pay them and I have no contract with National Credit Systems Inc.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

US bank credit card has been trying to collect {$100.00} debt on a fraudulent transaction that I disputed 5 months ago. As a result of the fraud, I closed my account in XXXX 2017 and paid off the balance, now 5 months later, US bank suddenly said I owe them {$100.00} after closing my account on a {$0.00} balance.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST (AZ)

I have sold my XXXX XXXX XXXX vehicle to XXXX XXXX XXXX XXXX XXXX, I notified the lien holder Bank of the West prior to selling the vehicle and got a 10 day payoff. The vehicle was sold and I notified Bank of the West the final payoff was forthcoming from XXXX XXXX XXXX XXXX XXXX. Bank of the West informed me that due to Covid-19 they are taking a week to 10 day to process payoffs once the funds are received from the dealership and if I did not make a payment they would report me to the credit bureau. I asked the rep from Bank of the West several times that even though Bank of the West received the full pay off prior to the payment being 30 days past due and because of the payment processing times at Bank of the West being 7 to 10 days due to Covid-19, I would be still be reported late to the credit bureau 's, the rep said yes. I requested to speak to a supervisor and was told that she could not transfer me to a supervisor because they were all working from home and that she would message her supervisor. The supervisor replied via messaging and again reiterated that they were going to report me to the credit bureau. 
I requested if I could have a 10 to 15 day extension on the payment date, so the sales transaction could be processed from the dealership where I sold the vehicle and due to the 7 to 10 days to processing time Bank of the West needs to post the payoff due to Covid-19 and was told NO! 

I then followed up with Bank of the West again today XX/XX/XXXX to see if they had received the payoff from XXXX XXXX XXXX, the rep on the phone said they did not see it but it is takin 7 to 10 days to process payments, I asked again for a 15 day extension so they could process the pay off and was told No. I asked to speak to a supervisor and he again confirmed that Bank of the West would report me late to the credit bureau if I did not make a payment to them by the 14th, he also confirmed that it is taking their payment processing center 7 to 10 days to process pay offs due to Covid-19. I again asked for an extension and he said not an option and said I make the payment or get reported late to the credit bureau. 

Bank of the West is harming consumers during this pandemic due to their slow transaction processing of payments because of their modified working environment. All of the people I have spoken to have all been working from home themselves yet they still are using intimidating collection activities to try and get additional monies out of consumers while they take an extended time to process pay offs of their loans. I have worked very hard on my credit and this organization has been very intimidating to me in their collection practices. I feel they are acting unfairly and I will be harmed by them for their 7 to 10 day delay in processing the pay off of my vehicle. Although they are all working from home they seem to be clueless to the impact that covid-19 has had on the day to day to day functions of the consumers they serve.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NJ)

QUESTION : Im told by PHH/Ocwen and XXXX  XXXX  that they dont know who the registered agent is for the former GMAC Mortgage Corporation. They do know that all of the paperwork/files were transferred to an attorney firm at some point. They are not customer facing or a loan servicer and do not reply to requests for information. 

Does anyone know who the attorney or law firm that was assigned as the registered agent for the former GMAC Mortgage Corporation? 

Background : Property with GMAC Mortgage Lien Requesting Discharge : We are seeking a discharge for the original GMAC mortgage and note that was paid in full/satisfied back in XXXX through a loan refinancing through XXXX XXXX XXXX. A discharge was required to be recorded by GMAC in the XXXX County NJ Clerks Office, but they apparently failed to do so and it was not discovered until XX/XX/XXXX when we went to sell the property at XXXX. I'm prevented from transferring clear title to the buyer because of this so I need a discharge immediately. The property at XXXX was sold on XX/XX/XXXX. However, the title company is withholding {$10000.00} in escrow from the sale proceeds until this GMAC mortgage lien is resolved. 

Overview : XXXX ( husband/wife ) need to obtain a mortgage discharge for a former GMAC Mortgage. 

During the recent sale of our primary home at XXXX, we were informed by the Title Company ( XXXX XXXX ) and the XXXX County ( New Jersey ) Clerk Records Department that we have a GMAC mortgage shown as outstanding. The original mortgage was with GMAC Mortgage Corp of PA loan # XXXX for {$200000.00} dated XX/XX/XXXX. Borrowers were XXXX. We purchased our newly constructed home at XXXX in XX/XX/XXXX for {$280000.00} financed with a {$200000.00} GMAC mortgage. 

This original GMAC mortgage dated XX/XX/XXXX was subsequently refinanced in XX/XX/XXXX at a lower interest rate with XXXX XXXX  XXXX XXXX # XXXX for {$200000.00}, but apparently the GMAC mortgage was never discharged properly with the XXXX County Clerks Office during the refinancing process. The refinanced {$200000.00} mortgage with XXXX XXXX  was apparently sold/purchased by a few banks and eventually was acquired by XXXX XXXX loan # XXXX. XXXX XXXX was holding the loan when XXXX fully paid off the mortgage and XXXX XXXX properly discharged this mortgage with XXXX County Clerks Office.
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (PA)

Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (UT)

XXXX XXXX is reporting 2 late payments XX/XX/18 & XX/XX/18 on my credit after the loan was paid off. My car was totaled and was a full pay off the end of XX/XX/2018.

I paid my deductible and then XXXX paid off the XXXX loan. XXXX left a {$500.00} balance on there which I was never notified. SO I got the 2 late payments and it is not my fault.

I have disputed this and XXXX said it is for the Deductible I needed to pay. WELL I had already paid that in XX/XX/XXXX!!! SO they made me pay them again! SO I paid 2 {$500.00} deductibles!

I have proof I paid the deductible as advised and proof the car was paid off back in XX/XX/XXXX. There should be NO late payments on my credit this year and I need them removed.

They are in violation of the FCRA and the Debt Collection Practices Act,.

I have already contacted my attorney,
Consumer complaint received 2016-06-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I attended California School XXXX XXXX XXXX XXXX XXXX XXXX program from XX/XX/XXXX - XX/XX/XXXX. I believe in XX/XX/XXXX a lawsuit was placed against them for fraud and misrepresenting graduating income and job placement. I have not been a position to afford the payments and the amount that is owed. I have felt that the only way to try to overcome this is being placed on the income based repayment plan, but not all the loans can be placed on this program as I also have private loans with Navient as well. I am overwhelmed with debt and have a degree that will not ever make a large amount of money to repay the loan. I feel that I was pressured into signing up and also feel that the school lied to me about the amount of money I would make finishing the course and how easy it would be to repay my loans back. I also feel that they lied about their success in graduates. They have since closed their doors I believe in XX/XX/XXXX. I would like some assistance or guidance if there is anything I can do to better my situation.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a credit card with Bank of America for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc.
Consumer complaint received 2018-07-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit Acceptance has been calling my wife on the due date of our payment until they receive payment 3 or more times a day. Not only do we pay for our car we pay it and have never missed a payment or slow paid. They charge us up to {$12.00} to make a payment which to me is fraud and its something we were not made aware of when we bought our vehicle. I talked to someone today and Credot Acceptance and they stated they are not a primary lender so they dont have to stop calling. You guys need to do your job and enforce what the trade commission has laid out for these companies. I feel sorry for people who dont make their payment for what they do to them and harass. I was clear on my phone call to them. I stated what the FTC says they can and cant do for collection practices. They more or less said we dont care. We will do what we want. In that case I will too. So Im giving you an opportunity to fix this problem before I take the matter into my own hands.
Consumer complaint received 2015-08-06
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (GA)

They called and pretended they were XXXX and offered to cut my bill down in XXXX if I opened up a debit card called NetSpend and paid my XXXX bill with it. They had all my information ; address, last XXXX of my social, what package I had, my monthly bill, etc. I called XXXX and they said they were not affiliated with NetSpend and that they are a scam.
Consumer complaint received 2020-08-22
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. (KS)

I bought the new car XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ XXXX.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.
Consumer complaint received 2020-08-22
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. (TX)

Dear CFPB, Beginning XXXX, I have mailed multiple disputes to XXXX, XXXX   and Equifax for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

XXXX  and XXXX  removed all of the above fraudulent accounts except XXXX XXXX and Equifax did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.
Consumer complaint received 2022-09-14
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.