davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (GA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates are reporting to XXXX - ( a major credit reporting agency ) that my XXXX accounts ( reported with XXXX ) XXXX XXXX - opened XX/XX/XXXX. Also another account XXXX XXXX - opened XX/XX/XXXX are stated as such on my XXXX credit report : " consumer disputes after resolution '' this is a flat out lie. I requested over 72 hours ago that they remove the statement They complied and did just so, within 72 hours. The Dispute notation be REMOVED and portfolio recovery sent XXXX a request to do so, My credit report showed the dispute notation removed and now, as of Today, MOnday, XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES LLC. had XXXX put the ongoing persistent dispute statements back on these XXXX accounts. Portfolio recovery associates is holding my credit report hostage to ongoing dispute notations. They are liars who lie to people and are full of trickery. they blatantly told me on the phone this is no longer in dispute status. Why are they still requesting these XXXX accounts with XXXX as 'CONSUMER DIPSUTES AFTER RESOLUTION ' THIS IS A FALSE INACCURATE DISPUTE REMARK. I AM NO LONGER DISPUTING THIS ACCOUNT. PORTFOLIO RECOVERY ASSOCIATES IS HOLDING MY CREDIT REPORT HOSTAGE TO THESE XXXX ONGOING DISPUTE NOTATIONS. gthese remarks need to be removed immediately. They are keeping me from getting my home loan.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX XXXX FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.
Consumer complaint received 2016-10-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio has consistently refused to remove incorrect information from my credit reports even though I have ask them several times. They have sent several " verification '' documents to my house but they are insufficient. This is time barred debt and the date of first delinquency is over 7 years. I have enclosed what they are reporting on my reports and also I have enclosed what they are sending me as " verification ''.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (PA)

There is a Victoria Secret Card on my Credit Report. I never had a Victoria Secret Credit Card. Im a single male. What would I want with a Victoria Sevret Card! They sell Womens items only! Womens Underwear, womens lingerie, womens undergarments, womens clothes, womens swimsuits, etc.. I can assure you I can not wear or use anything that Victoria Secret sells.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (NY)

I made a late payment to my credit card which is through Comenity Bank. I have never missed a payment, even if it is late, and I regularly pay off monthly at least the minimum payment but on the rare occasion the payment is not on time they will call multiple times a day every day at all hours of the day. They also call my mother 's home landline multiple times a day. I have already asked them to stop calling but they only switched to calling from unknown numbers so I can no longer block them.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

XXXX credit card bill arrived and I noticed unauthorized charges. I immediately ( around XX/XX/XXXX ) called and notified the bank of the unauthorized charges. The bank stated that they would conduct and investigation. A few weeks later ( XX/XX/XXXX ) I received a letter asking me to confirm my dispute. I reaffirmed the disputed charges and sent back the letter on XX/XX/2020. A few weeks go by and I noticed I still being charge interest and late fee, so I called back. I was told that the case is closed and a request to reopen the case was submitted and someone will call me within 2-3 weeks. I called every few weeks and I am told that an investigator is going to call me. After a few months I ask to speak with a supervisor and he tells the same thing. Each time no investigator or supervisor has reached out to me by phone or by mail. I don't what the result of the investigation, however I'm still being charged interest and late fee.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Every month the company sends me a letter prior to sending the statement saying what my next months payment will be. I always pay my payment on time and have never been late. All of the sudden the XX/XX/XXXX statement comes and it does n't reflect what the payment letter stated the payment was to be. Then when I went to make the payment on line the it said exactly what the payment letter said was due for the payment. So I made the payment and the next thing I know they are putting my payments to a suspense account and saying there was a payment shortage. I contacted the mortgage company and they could n't tell me why and they would have to send it to the research department and they would get back to me within 10 days, which never happened. I have sent them emails to XXXX different departments ( I have attached a copy of one of the emails please note all XXXX were the same ) requesting the information and a registered letter which they acknowledge getting, but they still continue to charge me an additional amount every month. This has been going on for 3 months now and when I pull up my payment history they have all these charges and rev charges and some charges I have never heard of. I can show my payment history that shows payment after payment and then all of the sudden on XXXX XXXX all these crazy charges started. They refuse to explain to me what these charges are for? Again, this month I went to make the payment as always and the only amount it will allow me to pay is the regular amount ( and extra principal if I want ). Can someone please help me? I had a similar issue with them when they purchased my and loan and it took forever, but they finally straightened it out after they continually treated like I needed credit counseling and possible loan modification, when in fact i just wanted to make my regular payments on time and have them credited correctly, and now years later here we start again! Please note that i have EVERY statement from the very first payment on this loans origination approx 11 years ago. I have never been late one payment and never intend to!! I just want to make my payments and have them credited properly and if there is an additional charges please tell me what its for! Just think if they charged every customer an additional XXXX ( approx amount ) how much additional money they would make from those people that just pay and never question it. Now they are trying to jerk me around because I did question it and they refuse to give me an explanation or fix it!! Please help! Thanks
Consumer complaint received 2017-02-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (DE)

My mortgage was sold to another company and the mortgage payment went from arouond {$520.00} a month to over {$1000.00} a month. Is this legal? I have tried to get information as to why the change has occurred but no one can tell me why the payments have doubled. I have been fighting with the new lenders since XXXX. Now my mortgage is in jeopardy of foreclosure. I 've been with XXXX XXXX since the loan was taken out in the XX/XX/1990 's and now they sell my mortgage and I 'm getting punsihed for it.
Consumer complaint received 2020-10-19
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: Santander Consumer USA Holdings Inc. (MS)

I sent XXXX XXXX a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back. 

I sent a letter to Santander on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Amerisave quoted me for a refinance of my home loan and took an application online. I enter my info and found out later that the rate the lender quoted me was not for an investment property. I asked the Lender to cancel my application at that time and refund my appraisal fee and they refused to do this. I have filled a dispute with XXXX XXXX and wish to have my appraisal fee refunded ASAP. The rep I was dealing with was XXXX XXXX XXXX XXXX is also investigating this claim and Amerisave has still yet to refund my appraisal fee.
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ceannate (AL)

I have received calls from a company stating my daughter gave my number as a contact and they are asking questions about her. My daughter said she has not listed me as a contact for her. I am almost XXXX years old and have told these people to not call me. I do not owe them anything and have been registered on the do not call list for a long time. These people call from different numbers and call late into the night. This is very upsetting to me and my wife.
Consumer complaint received 2016-06-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

Some OCwen home loan servicing has paid my taxes on my property and my name : XXXX XXXX XXXX has been removed. 

I have not taken steps to remove my name from official records. 

This is a fraud on my title. 

I
Consumer complaint received 2016-11-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

Good Morning CFPB, My wife and I used SunTrust Rewards to book hotels in XXXX XXXX, Nevada and XXXX XXXX, South Carolina on XXXX/XXXX/2016. The reservation for XXXX XXXX was excellent, and we even called back to have our room upgraded. The reservation for XXXX XXXX has been a total nightmare for us. We have spoke to the same supervisor twice concerning our reservation. She continually informs her customers that they are incorrect, because she listened to a recording between the technician on duty and XXXX XXXX XXXX. The supervisor never offered too allow us the opportunity to listen to the tape ; however ; she consistently informed the customers that we are wrong. I am simply asking that my reservation on XXXX/XXXX/2016 be modified from XXXX villas to XXXX villa with XXXX bedrooms. We have spent many hours trying to rectify this problem with XXXX and SunTrust. We have come to the conclusion that we will eat the additional {$520.00} for a villa that we do not need ; however, we will discontinue all services at SunTrust. We have been loyal customers for over 22 years, but we will be moving all services to XXXX XXXX if we can not resolve this issue with SunTrust Rewards. We spend thousands through SunTrust Rewards every month, and we are dissatisfied with the service that we received from SunTrust Rewards management. They made a correction to my XXXX XXXX trip ; however, no correction can be made to our XXXX XXXX trip. We are tired, and we deserve better. Bottom Line is We are totally dissatisfied, and we will transfer all accounts if this problem is not rectified in a timely manner. We are considering talking to the XXXX concerning this issue. Our next letter will be directed to SunTrust Board of directors if this issue is not resolved in a timely manner. 

Respectfully, XXXX & XXXX XXXX XXXX
Consumer complaint received 2018-03-17
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. (TX)

Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from  XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

Experian said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ability Recovery Services, LLC (MA)

I had a missed call from them I called back she started off with an attitude I told her that my computer is broken so I could n't do my schooling I work to much to get to a library and my friends do n't have an extra computer to borrow she told me the balance and she offered {$15.00} a month I said that 's fine no problem but I had to get back to work told her to call me back after XXXX. She called back and I had my boyfriend answer they one did n't asked him to verify my info and they disclosed to him that the call was about a debt. I gave them my okay to speak to him after they disclosed. they were giving him a hard time and he asked to speak with a supervisor or manager and they said no they said that they are not gon na be calling and any more communication will be written .. I never said I wanted that the lady ended call after. we called back and was pretty much begging for a supervisor the male kept saying we were very rude and he wont assist us. and kept hanging up on us. I have recordings of this going on also.
Consumer complaint received 2015-06-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blitt and Gaines, P.C. (IL)

I have been receiving telephone messages from Blitt & Gaines, P.C. over the last several months regarding some kind of debt that they imply I owe. I usually ignore the calls but today I got fed up with the annoyance, knowing that I pay my bills on time and do not have any uncollected debts. Therefor, I contacted XXXX and checked my history, which appears to be totally fine. Then I contacted the law practice and spoke with XXXX XXXX. I stated that I did not owe any debt, had no knowledge of of any debt and requested that they correct their records and cease leaving me telephone messages. I proceeded to locate their office on the internet and sent them an email to the same effect. Finally, I contacted the Illinois State 's Attorney 's office, as well as your bureau, and made both agencies aware of my complaint.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Webcollex, LLC (PA)

I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (TX)

I applied for the personal loan on XX/XX/2022 and received a message saying it was not approved. The loan company said I reapplied with my maiden name which is not true because the name they provided is my married last name. The loan was deposited into my bank account on XX/XX/2022 and I didnt even know where the money was from so I looked where it could be coming and saw it was from the Lending Club XXXX The representative told me that as long as I provide them with my bank account I didnt have to accept the loan so they approve the funds to be deposited into my account. I called on XX/XX/2022 and told to cancel the loan and was told it was going to be done within 3-7 days and on XX/XX/2022 I noticed that the money was still in my account. They just had me waiting for them to be able to charge interest and other fees. I have called them to try and resolve with them but one of the representatives hang up on when she was transferring the call and others keep saying to have the money in the account. The loan # XXXX for the amount of {$17000.00}. 
I would like for the business to refund me the {$1100.00} fees and interest and fees since they failed to provide the approval notice and I was not advise that the money was being deposited into my account.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (MN)

Statement from " Ability Recovery Services LLC '' Reference # : XXXX University Total : $ XXXX States they must commence the collection process because I have failed to respond to previous correspondence on the above identified account. 

*There is no way I owe XXXX to XXXX, but wow ... if they would like to offer that amount to me that would be great.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

We became current with Our mortgage in XXXX 2014 till present Ocwen who currently has the loan is reporting to credit bureau 's that We are behind. Ocwen has been receiving monthly payments keeping some and returning some to keep the mortgage in a delinquent status previous complaint was file and We did n't respond because We did n't receive correspondence to dispute that there has been no resolution to matter and just found out about a case number this morning which isXXXXXXXX from speaking with a representative, We request a new complaint to be filed with supporting documents previously submitted from complaint filed from above mentioned case number.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC (FL)

I was unaware of a insurance deductible bill for {$200.00} for XXXX of my adult children that had gone unpaid. I am primary on the insurance and normally would received a bill in the mail from hospital. However the first time I became aware of {$200.00} bill was after it appeared on my credit report. I found collection company immediately paid item and I do not disagree with amount however I received no mail or any calls from company. They stated a letter was sent in XXXX but I never received it and they had a house phone listed and I do n't have a house phone so no messages received. The hospital visit was in XX/XX/2016 I believe an no attempt to collect just added to my credit report, I was n't even the patient that was an adult. I called immediately paid but disputed collection as a bad debt.
Consumer complaint received 2015-05-11
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCash Holding LLC (IL)

This account was open in XXXX XX/XX/2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested XXXX XXXX to validate this account many time Under FDCPA XXXX XXXX. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. Americash Loans LLC XXXX
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.