davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

Bayview Servicing was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, Bayview changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through XXXX twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (AL)

On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called AD ASTRA RECOVERY SERVICES who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX 

Date reported : XX/XX/XXXX Original Creditor Name AD ASTRA RECOVERY SERVICES Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX Asset Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NV)

NATIONSTAR/MR COOPER ACCT NO XXXXXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX   AND XXXX  CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF AURORA BANK ( AQUIRED BY NATIONSTAR/MR COOPER ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM AURORA/NATIONSTAR. 
XXXX ... ../SPOC AT AURORA BANK XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX-XXXX-XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT AURORA.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX XXXX XXXX and earn close to $ XXXX a year ... All of this is in my application for credit. 

They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. 

You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. 

I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I would like to file another complaint against Experian. On the last credit report I got from Experian it states that the XXXX  XXXX XXXX account number XXXX was a charge off and that the account was paid in full. On the credit report it states that the last payment was received on XX/XX/XXXX. So, if the last payment was received on XX/XX/XXXX and the account was paid in full then why is it showing on my credit report that the account went into a charge off status in XXXX, XXXX. On the credit report there is no issue of there been a delinquency before the XX/XX/XXXX. On the same credit report it says that the account is paid in full and on the account summary it says : Account balance : {$1000.00} Date Payment RECEIVED : XX/XX/XXXX AMOUNT PAID : NO DATA SCHEDULED PAYMENT AMOUNT : NO DATA So, Experian is saying that the account is paid in full and payment was received on XX/XX/XXXX but yet they are saying that they have no data on the amount paid or the scheduled payment. This credit report is loaded with so many inaccuracies I am submitting a copy of my credit report from Experian with all these inaccuracies
Consumer complaint received 2021-11-07
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. (NY)

I recently reviewed my Credit Profile and see numerous unauthorized inquiries and accounts. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

I have BSI Financial Service for two Mortgage Loans. 1st mortgage ( XXXX ) and a 2nd Mortgage ( XXXX ) ... 

In XXXX, thru the investor on the account, we did a Restated Promissory note on the 2nd Mortgage ( XXXX ) and agreed to pay XXXX. The purpose was to bring the account, which it now is and to help get my credit cleaned up so I can refinance my loans. 

On XXXX BSI misapplied the XXXX to the 1st mortgage ( XXXX ). I have called this company over 20 times, working to make them understand that this XXXX was the first payment for the promissory note and I need it to be applied to the 2nd mortgage ( XXXX ). 

Over and over I have called them. Everyone I speak to says this and that. Everyone I speak to is like " oh my goodness '' we need to fix this ... Does it happen. No. No and NO. 

My " personal contact '' was XXXX XXXX. Who couldn't call me back if my life depended on it. So I have called to the investor and his staff to reach out to BSI to please Apply the XXXX received XXXX to Loan # XXXX and remove the XXXX late charge. Which They have done and were promised it would be handled. 

What does it take for a company to clean up their mistakes.
Consumer complaint received 2020-06-03
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. (FL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding item that is listed on my consumer credit report : Accounts Receivable Account # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2019-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am having problems getting the XXXX  30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX  so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.
Consumer complaint received 2019-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

This company has reported that my account is closed ... my payments are not applied correctly and their computer payment system, does not state when a payment is processed in a timely manner. I am not filing a chapter XXXX ... or chapter XXXX my husband is however, but we plan to reaffirm the vehicle account as stated to them on XX/XX/2019 when I made my payment.
Consumer complaint received 2018-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Purchased the home on XX/XX/XXXX. Bank of America issued a 1st and 2nd mortgage. The 2nd is not a revolving, interest only loan, it is an amortized term loan with a balloon payment due in 10 years. ( XX/XX/XXXX ) We have never missed a payment or even been late in either the 1st or 2nd mortgage. The home was appraised by Bank of America above market value and has never been valued at or above the purchase price. Since the home value is below the total loan amount we are unable to refinance and pay the balloon payment. We have applied for a loan modification - simply asking to continue to make loan payments. Bank of America has given a preliminary approval of a loan modification if we make three monthly payments that are about {$450.00} higher than our regular payment. They will not disclose the make up of these requested payments. They will not tell us how much will be applied to principal, how much is interest and if there are any fees. They are also refusing to disclose the terms of the loan if we accept the modification. They are pressuring us to accept the modification with out full disclosure. I repeat, we are not delinquent with this mortgage or the 1st mortgage so there is no late balance due.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

I have been disputing this alleged debt on my credit report multiple times. They have not provided any proof of the debt or a copy of the contract to determine the account is mine and reporting accurately. I do not agree with what they have reported and they won't respond to me. They have violated 15 USC 1692 FDCPA and 15 USC 1681 s-2 FCRA
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (GA)

This is my XXXX time submitting a complaint please help me!!!! 
I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with experian, XXXX, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because XXXX a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

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 2024-03-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (ID)

My father passed away on XX/XX/XXXX and had a reverse mortgage with Carrington Mortgage llc. I notified them immediately of his passing and the plan to move forward with selling the house to his best friend that lived with him. The first time I contacted Carrington, they told me I had XXXX year to sell the house. The next time I spoke with them they told me I had XXXX month to sell the house. I then called back to try to verify how much time I had and was told XXXX months. I received multiple letters stating that if I could not sell the house by XX/XX/XXXX, I would have to submit certain documents to file for an extension. I submitted all required documents except a final approval letter from the bank giving the buyer the loan, as the loan had not been approved yet. I sold and closed on the house on XX/XX/XXXX, at which time the reverse mortgage was paid off and the remaining funds were transferred into the estate checking account. On XX/XX/XXXX, I received a call from the title company telling me the mortgage company was demanding {$1200.00}, claiming the loan was not paid in full. I asked the title company if a pay off amount was requested from them prior to closing and was told it was and that amount is what was paid. I called Carrington mortgage to get answers and was told I had to pay that amount for lawyer fees, forclosure fees, and service fees. I argues stated the house was not forclosed on, and that I had until XX/XX/XXXX to submit documents to get more of an extension, and that I had letters at home from them stating just that. They told me I only had until XX/XX/XXXX to sell the house and they could forclose after that for any reason. They then told me that they sent me a condolence letter which stated I had to be in contact with them every 30 days and because I did not speak with them in XXXX or XXXX, they moved forward with the forclosure. I never received a letter of forclosure or notice of foreclosure. I have the letters stating If unable to sell the house by XX/XX/XXXX, I would have until XX/XX/XXXX to submit the paperwork to file for an extension. I had to give the title company a check that day to send them to stop any further fees from accuing. The condolence letter does not say I have to stay in contact with them every 30 days. I have XXXX certified copies of it.
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.Thank you
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Performance Settlement, LLC (CA)

I AM A XXXX XXXX XXXX VETERAN AND MY CREDIT REPORT TOOK A DIVE WHEN I TOOK A CHANCE AND PUT MY TRUST IN A CONSOLIDATION COMPANY ( PERFORMANCE SETTLEMENT ). I WAS MISLEAD, MISINFORMED, LIED TO, AND MY PHONE CALLS WERE NOT RETURNED WHEN I CALLED THIS COMPANY WITH CONCERNS ABOUT MY MONEY TAKEN FROM MY BANK ACCOUNT. PERFORMANCE SETTLEMENT TOLD ME NOT TO ANSWER MY PHONE, NOT TO MAKE ANY PAYMENTS, AND TO SEND EACH CREDITOR A BOGUS ADDRESS SUPPLIED TO ME BY PERFORMANCE SETTLEMENT. EVERYONE I TALK TO SAID THIS COMPANY RIPPED ME OFF, EVEN OTHER CONSOLIDATION COMPANIES SAID THEY HEARD OF PERFORMANCE SETTLEMENT AND THAT THEY HEARD NOTHING GOOD ABOUT THEM. BE FORE I TRUSTED PERFORMANCE SETTLEMENT MY CREDIT SCORE WAS IN THE XXXX, AFTER I EXPERIENCED 6 MONTHS OF XXXX  MY SCORE IS NOW IN THE XXXX, BECAUSE I PAYED PERFORMANCE SETTLEMENT AND LISTENED TO PERFORMANCE SETTLEMENT 'S LIES. NOW I'M SUFFERING AND I AM LOOKING FOR RESTITUTION.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MA)

I have found an account on my credit report that I did not authorize ; pursuant USC Title 15 1681, this account need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/2021 a withdrawal was made at an ATM on XXXX XXXX XXXX XXXX XXXX for {$500.00}. It cleared by bank ( BBVA Compass ) on the same day. My ending balance on this days {$2700.00}. I have a statement from BBVA to show this.

I have a statement from PNC Bank which took over BBVA Compass showing the beginning balance on XX/XX/2021 with the was {$2700.00}. 

Only one ATM withdrawal in that amount and from that ATM was made between XX/XX/2021 and the present day ( XX/XX/2021 ). 

On XX/XX/2021 the PNC Corporate offices deducted another {$500.00} in error ( same withdrawal from XX/XX/2021 ) from my account. At that time my account had a balance of {$1.00}. As a result my checking account went into a negative XXXX. 

I have tried since that day to speak with someone at the bank to get the issue corrected. My husband actually went into the bank on XXXX XXXX in XXXX, Florida on XX/XX/2021. The bank manager advised him that she could see it was a duplicate withdrawal, but all she could could was file a dispute which could take 10 working days to resolve. 

I have called the bank many times and I am unable to do anything. I was able to withdraw my deposits from our employers that was made on XX/XX/2021 minus the {$500.00}. 

At this point I have become convinced the {$500.00} is never going to be put back into the account so that I can close it out and never attempt to bank with this financial institution again. 

I am asking for your assistance in helping me recover the money that is rightfully owed to me.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  ASSOC Account Number : XXXX BANK OF XXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX  COLL Account Number : XXXX
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (DE)

Last year I discovered a false account with XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Over the past 6 months I have received numerous calls from XXXX XXXX XXXX XXXX XXXX department about outstanding debt. I have repeatedly told them I have never done business with them and have no clue what they are talking about. Each time they tell me I'm correct and they'll remove my name from their list. Then I get a call about it a few weeks later again. They have also yelled at me demanding payment or they will report it to the credit bureaus when I called them a scam.