davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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)

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have disputed this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020 saying that the tradeline is reporting accurately. How can I be 90 days late XXXX XXXX, XXXX XXXX, XXXX XXXX? How can that be? I can not be 90 days late three months in a row. How can I be 120 days late in XXXX. XXXX and then late 60 days late XXXX. XXXX? This can not be accurate. I do not believe that they did a proper investigation in this matter.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (IL)

Repeated phone calls from at least two different phone numbers to my work phone. Calls are made by an automated system and instruct me to call back a certain number. I began rejecting these directly to voicemail ( XXXX ; XXXX ). I am having my work number changed in the hopes that this they have a wrong number. 

Here is the text of all messages : Female Voice : " Today an order of validation : notice of demand was issued on & lt ; apparent account number & gt ; ( computer voice ) to be sent to & lt ; name similar to my name & gt ; ( computer voice ) in the next 24-48 hours. The opportunity to resolve on your own terms will expire upon receipt. Please call immediately at XXXX. Male Voice : '' Action message documented ''
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CT)

Covid relief program with the mortgage company was supposed to postpone payments due to financial hardship, and now after program is over, mortgage company is tacking on XXXX dollars to your bill. And on top of it, extending your maturity date by 10 additional years, charging 10 more years of payments and interest. This is not a relief, this is not help!
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last four years and this was explained to MCM Midland Credit Management , Inc of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XX/XX/XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a XXXX % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.
Consumer complaint received 2015-06-18
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (WA)

I have purchased a XXXX XXXX by American Express from XXXX store. I have added {$500.00} to it with the initial purchase. The card was not properly activated and the card can not be used. 

I have contacted American Express and sent in all the materials they asked for, driver 's license, front and back of card, receipt, card package, etc. 

I have not received any response for six months, which is totally unacceptable. Every time I call customer service, they would just tell me to wait for a few more days.
Consumer complaint received 2016-05-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. XXXX is collecting for capital one bank Reference # XXXX ph # XXXX.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

after have capital one credit became a hassle charge a late fee before i got my first bill charged me extra to pay over the phone and they would not set up a atutomatic payment once a month and up my rate XXXX percent so in frustration i stopped pay know they are trying to sue me
Consumer complaint received 2015-11-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

oCWEN LOAN SERVICER IS REPORTING ON MY CREDIT REPORTS TWICE. aS THOUGH I HAVE XXXX ACCOUNTS WITH THEM. XXXX XXXX IS DEFUNCT NOW AND LOAN HAS BEEN SOLD TO XXXX WITH OCWEN BEING THE SERVICER. I CONTACTED CREDIT BUREUA AND OCWEN FOR RELIEF HOWEVER NOTHING HAS BEEN DONE. THIS IS AFFECTING MY CREDIT AND DEBT TO INCOME RATIO.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc. (AZ)

This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

On XXXX/XXXX/2016 I requested XXXX and its XXXX.to review my file and consider a resolution through a complaint I file on above mentioned date. I am now employed and have established myself again and I am able to retain my home. My complaint ID is XXXX. The reason for my default has to do with the loss of my job. XXXX XXXX was consistently informed of the progress I have made. 
We are in foreclosure and looking for a sale day. I am want to retain my home for us and our XXXX children. Please I have now send another package to the new servicing co by th e name of XXXX. I have also done a forensic review of my file and found discrepancy 's. I am attaching it for your review. I need to keep my home I would appreciate a quick response.
Consumer complaint received 2015-04-09
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ACS Education Services (CA)

ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from XXXX XXXX, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone XXXX ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on ACS and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at ACS are legal.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (HI)

I signed up for my " XXXX '' American Express card willingly XX/XX/XXXX. I received a letter saying that XX/XX/XXXX my card will be closed, due to no fault of my own. As a consumer, my XXXX credit score will be negatively affected not due to any fault of my own. I have a XXXX available credit limit now, I use the card responsibly, and am going to be adversely impacted due to American Express and XXXX ending relationship. I spoke with Amex and the only resolve they offered was to sell me a new card ( furthermore giving me the negative credit history for opening up a new account. )
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: National Credit Adjusters, LLC (CA)

I receive calls around XXXX on a XXXX basis. When I pick up the phone, no one is on the line. When I call the number back, the operator is reluctant to provide their name, the company name and they hang up before I can get the company address.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

XXXX sent an unpaid portion of a final bill to collections and I accepted a settlement offer and in return for cashing the check it was agreed upon that they would remove the item from my credit, they cashed the check and left the item showing unpaid and open on my XXXX report,
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MD)

I do n't understand how CFPB can allow a service lending organization ( Ocwen ) can modified a loan for five years at a low interest rate and then revert back to the original high interest of 10.37 %. I was denied another modification because I now receive social security. It does n't appear that Ocwen did anything wrong but it is so unfair that this country allows this type of predatory lending. I am not behind in my payments and am able to pay on time. That is all the more reason I should be able to keep my low interest rate. I have rehab loans on my property which means the government has to subordinate. Also, my loan has been sold so many times I do n't even know who owns it now. Shame on USA for taking advantage of poor people.
Consumer complaint received 2015-03-27
Product: Payday loan — 
Issue: Can't contact lender — 
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX Associates called me and stated that I owed a bank I no longer have an account with ; they stated that I would be served a summons. I contacted the creditor and they have no record of an outstanding balance owed to them. I informed this business when they called that according to federal law that they are supposed to mail me a letter withing 5 days and included in that letter they are to state that I have 30 days to dispute which is in accordance of the FDCPA. 

I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (MD)

Hello, I recently received an unsolicited Netspend Prepaid Mastercard issued by XXXX. This was sent to a former address of mine and I was alerted about it. The paperwork states they received my name and address from a 3rd party data provider. I called in to the number they provided to opt out of future mail offers. I provided just my name to the rep and she said she has removed me. I asked her to verify the card number, address and account number associated with my name which she refused to provide. She asked me to disclose that info to her and she would confirm that way - I declined.
Consumer complaint received 2015-06-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (GA)

The reason for this letter is to inform you on the amount of time it takes to get a response on a dispute. On XX/XX/XXXX, an unauthorized transaction took place on my card while I was in church. On XX/XX/XXXX, i noticed this transaction on my account. I called and spoke to a Regions Banker and I was told that I could not dispute it until the money was no longer pending. XX/XX/XXXX, transaction is no longer pending, so I called back to dispute the transaction. I was interviewed over the phone. I was also faxed over documents to sign and return. I returned the documents the same day. I was told that it would take XXXX business days up to XXXX business days. I called back on XX/XX/XXXX and was told by a Regions Banker " I 'm sorry that you thought it took XXXX days '' ... In addition to speaking to over XXXX Regions Bankers in a XXXX week period, I 'm still coming up with the same answer, " There 's nothing in the system about your request ''. " It can take up to 10 business days ''. " Please hold for XXXX minutes ''. " XXXX XXXX, there are no notes in the system, your dispute is still pending '' ... After XXXX weeks. I 'm still empty handed. I received a letter in the mail that told me to return the information within XXXX days of filing my complaint or my request will be dismissed. After looking over the letter, I realized that these were the same questions that I have already answered. 

When calling this past weekend, I was told that your office had not received the information that i faxed over on XX/XX/XXXX, and then again on XX/XX/XXXX. When I was adamant about returning the documents, the representative finally put me on hold again. She came back to say ask, " What time did XXXX fax the information ( on XX/XX/XXXX )? She locates the information that I initially faxed on XX/XX/XXXX. I was then told that it 's being expedited, which i 'm not understanding because I have already reached my XXXX business day. The representative old me to give an additional XXXX business days ... This has been the biggest inconvenience for me. I had to spend additional money to rent a car and borrow money to compensate for the money that should have been in my account. Your policy on disputes is the worst that I have EVER encountered. The communication with the customer service representatives and your fraud department is awful. Your bank locations and ATM 's are a huge inconvenience and this has really pushed me to close my account and go elsewhere. I am passed disappointed in the customer service and your policy for my situation. This has literally had me scrapping up change. As of Friday, I had a utility disconnected because I have yet to receive my {$150.00}. This disconnection also comes with a {$75.00} re connection fee.
Consumer complaint received 2016-09-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

Santander Consumer USA. I purchased a vehicle through Santander USA in 2012. I have made XXXX payments of XXXX and still owe XXXX. The payoff amount changes from day to day. They are staying that I owe XXXX. ( + ) in late fees! How is that? They could not give me a proper answer. I do not understand how I have made payments of XXXXand the principle has not decreased.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-04-05
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXXXXXX 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 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 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 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 2022-07-20
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. (MI)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

My name is XXXX XXXX. My mortgage servicing was transferred to LakeView Loan Servicing effective XXXX. My experience with LakeView has been a complete disaster as they continue to claim that I have not made payments, which I have proof of payment in my bank statements and pay by phone payment records. Lakeview continues to claim that I am past due in payments, when in fact I have made multiple payments, multiple times to clear up their accounting errors. They have erroneously reported past due and late payments on my payment record. They are currently, right now, holding onto payments that they refuse to correctly apply to the account. Their customer service, or lack there of, is reprehensible. If I could have ANY influence on firing them, they would have been gone long ago. Their business practices are substandard. I want help resolving my payment issues with them as I continue to make every effort to take my business elsewhere. 

Sincerely, XXXX XXXX