davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (OH)

I had my XXXX service for about XXXX months. I live in the XXXX Ohio area, and I was not aware that the XXXX service could not meet my needs when it comes to cell phone service. I tried multiple times to negotiate with XXXX and they refused to do so. I then had to take my phones to another carrier and they told me that I would have to pay for my devices. I told them I would let the bill go to collections and I would be able to negotiate a price with the collection team. The name of this collection agency is diversified adjustment collection service. I have had a few conversations with them and I have tried to engaged in the settlement process. I first offered them XXXX dollars they said no, I then offered them XXXX dollars they refused. I then offered them XXXX dollars they said no. I have tried in good faith to work with this company and they refuse. I am hoping that I can have this debt removed.
Consumer complaint received 2023-04-04
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. (NJ)

The credit reporting XXXX put 2 more negative points on my credit. Last month my credit score was XXXX, I have no late payments in over two years, yet Im constantly being given negative points. From last months XXXX to this recent score of now XXXX. After my first complaint it seems my credit is now under attack. How would I ever be able to purchase anything with these constant negative scores.
Consumer complaint received 2019-06-07
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. (CO)

XXXX is reporting incorrectly a collection to XXXX  ; XXXX and Transunion for an account with a balance of {$560.00} on the XXXX partial account number XXXXXXXXXXXX. ( Please see page 4 of the attached credit report ). This account is over 7 years old and therefore should not be on my credit report. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act ( F.C.R.A. ) violation. Please remove this line item from my credit report.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

On XXXX XXXX, XXXX, I attempted to access my credit report, as directed from the FTC 's annual credit report site. I was able to obtain both my XXXX  and XXXX  reports in a short amount of time. However, when I attempted to access the free Equifax report that I am entitled to by law I was presented with a series of baffling and unanswerable questions ( unanswerable because the assumed conditions did not apply -- for example, one question said " Your credit report indicates you may have leased a vehicle beginning in XX/XX/XXXX, from which company .... '' Since I did not lease any vehicle ever, that is an impossible question to answer. The other questions were similarly inscrutable, involving student loans I never took out, bank cards I do not hold, and the like. 
After failing these tests, I was directed to mail very sensitive personal information in hard copy INCLUDING Social Security number. That is obviously not a secure method of seeking information and does not fulfill their obligation to afford me access to my own credit report. I tried again and got a similarly bizarre set of questions that I " failed. '' This is not the first time I have had a similar experience with Equifax, which leads me to believe this is an intentionally unfair practice designed to deter consumers from exercising their rights under federal law. As such, Equifax should be investigated and their practices brought into line with their obligations.
Consumer complaint received 2020-09-17
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: BOEING EMPLOYEES CREDIT UNION (WA)

Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from Boeing Employee Credit Union ( BECU ).

As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my BECU accounts from the website. I had not realized at the time that BECU Mortgage kept separate addresses on file even though all records are accessed through the BECU banking website, and because of this, the mailing address for the BECU mortgage account was never updated. 

Sometime in mid-XXXX, I switched to a different insurance company for the XXXX XXXX property and informed BECU of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that BECU force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, BECU apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. BECU also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to BECU after which they issued a refund for the insurance and associated fees. BECU also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I lost my job in XX/XX/2020 due to the pandemic. 

I reached out to credit card company to inform them that I was struggling to make payments. they assured me that any late fees that were applied would be credited back into the account and no payment would be due until I was able to make payments. 

Ive tried to resolve this issue but the reps just tell me they cant due anything and I have to pay the {$150.00} in late fees.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

I have filed a dispute with PayPal and they will not return my money my dad XXXX XXXX has stolen {$9200.00} from my account I have not authorized him to use my pin or card he has done it in the month of XXXX to the month of XXXX I had no idea he was using my card I thought the temporary card I had was the permanent one and was trying to save my benefits from XXXX onto it and when I went to use my card I find out that is a temporary card and has expired and he had done ordered another one and had been using it and withdrawn all of my benefits off of it when I filed a dispute with PayPal they told me that they can not refund my money to me because I he had my pen and information to it but I didn't let him use my card he only had my PIN because he helped me set up my account but I did not authorize anyone to use my card
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-06-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (CA)

On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " National Management Recovery Corporation. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MD)

In XX/XX/XXXX I secured a {>= $1,000,000} second home mortgage on an oceanfront property on XXXX XXXX XXXX from TD Bank, N. A. Due to Covid restrictions, the application was conducted entirely online and via phone, not in a TD Bank branch office. At no point was I presented with a form to arrange for automatic payments on the loan. When the first payment was due on XX/XX/XXXX, I struggled to find a way to make the payment but eventually found an online payment portal. I entered my payment account information for XXXX Checking and made payment. I assumed that TD Bank would store the banking information and withdraw funds automatically each month on the due date. Unfortunately, this was not the case. The statement regarding my loan was sent to my primary home at XXXX XXXX XXXX, XXXX XXXX, MD XXXX but I was staying at the property on XXXX XXXX XXXX and did not receive it. As a consequence, the payment for XXXX did not post and I was not aware until returning to Maryland in XXXX. Upon learning of the late payment, I promptly submitted another one-time payment for both XXXX and XXXX in the amount of {$33000.00} on XX/XX/XXXX. I sent two separate letters to TD Bank 's dispute department requesting a goodwill removal of the late payment from my credit report, both of which were denied. I offered to prove that I have far more than sufficient funds to cover the payments at the time and that it was confusion over their payment portal ( and the lack of automatic payments set up during the mortgage application combined with being out of town when the late payment notice arrived at my home in Maryland ) and not an inability or unwillingness to pay on time that resulted in the late payment. I have never missed a payment on any credit account in my 46 years. The late payment report to the credit bureaus resulted in a highly deleterious effect on my credit score, dropping over 100 points from the mid 800s to low 700s. TD Bank is correct that the payment was late but is unwilling to concede the fact that their mortgage team failed to present me with automatic payment arrangements when issuing the loan or that their Byzantine process for submitting payments online greatly increases the chances of confusion over " one time '' payments and recurring payments. I was asked to complete a paper form and mail it to TD Bank in order to arrange automatic payments, which is now in place and payments have been submitted on time for XXXX and XXXX, the two months following the late payment. In spite of the extenuating circumstances, TD Bank still refuses to remove the late payment from my credit report. Loan applicants to TD Bank beware. Unless you have a credit card or checking account with TD Bank, you can not even create an account for online management of your mortgage account. The system seems designed to cause late payments.
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (AL)

For the last several weeks, I have received phone calls on my cell phone from what caller id identified as spam calls 2-3 times daily. On XXXX XXXX, 2019, I went ahead and answered the call and found out it was RPM trying to make a collection for XXXX. I explained to the representative that I closed the account with a XXXX balance and that this was an error. The representative became very argumentative and rude. I ended the call and called XXXX. I resolved the issue with XXXX and was told that the collection was an error and it would submitted to another department to reverse the charge and remove the collection. On XXXX XXXX, 2019, I received another call from RPM. I was told that I was on a recorded line and several times I told the representative to not call my phone number again and that issue had been resolved with XXXX. The representative became very argumentative and rude. I ask to speak to a supervisor and I was told I would be transferred but the call was disconnected. On XXXX XXXX, 2019, I received another phone call and once again I explained that I had told their representative the previous day to not call my phone number again. The representative then wanted to verify my personal information and I told the representative that I was not going to verify my personal information and I gave the representative my phone number and told them to not call this number again and I ended the call.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My identity was stolen someone open a account with capital 1 credit card. I contact the capital 1 credit card services provided them information that my identity was stolen after upon them doing their investigation they provided me a letter stating that they would have the accounts to be removed off my credit report now they refused to remove them off my credit report and still trying to hold me liable.
Consumer complaint received 2021-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I've submitted paperwork TWICE to the mitigation department and have not gotten any response. I have applied for a loan modification over 30 days ago. 

When I call, they give you the runaround. The lender is supposed to be helping people with government backed mortgages and is not operating in good faith.
Consumer complaint received 2020-06-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

We have been trying to refinance with XXXX since XX/XX/2020. We had declined a Refinance with NewRez LLC on XX/XX/20. Mortgage was sold by XXXX XXXX XXXX. ( filed BK ) to NewRez starting XX/XX/20. Numerous requests have been sent to NewRez asking for the FHA Case Number transfer and copies of the Appraisal Documents. It appears NewRez LLC has been delaying and misleading by not providing the requested information, for all practical purposes, almost malice and holding my mortgage transfer requests as ransom or punishment for not refinancing with NewRez LLC. 
XX/XX/20 XXXX Filed Complaint with Dept. of Housing & Urban Development ( HUD ) XX/XX/20 Filed Complaint with XXXX XXXX XXXX ( XXXX ) XX/XX/20 Emailed NewRez, Multiple Requests XX/XX/20 - Contacted NewRez, requesting FHA case number and appraisal documents. 
XX/XX/20 - NewRez correspondence received via USPS. 
XX/XX/20 - NewRez correspondence received via USPS. 
XX/XX/20 NewRez responds to XXXX 4th Request. 
XX/XX/20 - NewRez correspondence received via USPS, as stated above. 
XX/XX/20 - 6th email request by XXXX requesting transfer of the FHA Case number and the Appraisal Documents. 
XX/XX/20 - Personally emailed XXXX and XXXX requesting FHA Case transfer and Appraisal Documents via email @ XXXX XXXX PST. 
XX/XX/20 - 5th email request by XXXX XX/XX/20 - 4th email request by XXXX XX/XX/20 - 3rd email request by XXXX XX/XX/20 - 2nd email request by XXXX XX/XX/20 -  1st email request by XXXX requesting transfer of the FHA Case number and the Appraisal Documents. 
XX/XX/20 - NewRez Processor ( XXXX XXXX ) responded to Refinance Loan Declination via email @ XXXX EST. 
XX/XX/20 - NewRez Refinance Loan was declined via email @ XXXX XXXX   PST. 
XX/XX/20 - The NewRez Refinance Loan notification stating the Refi Loan was officially cleared to close via email @ XXXX XXXX XXXX.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! I can not accept this!
Consumer complaint received 2021-05-03
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. (GA)

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX  distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (NY)

I took a personal loan out with Ally Bank through XXXX XXXX XXXX in the beginning of XXXX. I received an email on XX/XX/XXXX that my first payment was due on XX/XX/XXXX. I made my first payment on that date. A few days later I received an email that there was an error and my first payment was due on XX/XX/XXXX XXXX I made my payment of the due date that I was told. The end of XXXX I received notification that my payment was late. I called and explained the situation and was told the late fee will be reversed. XXXX I made my normal payment and a few days later I received another notification that my payment was late. When I called customer service I was told my request was denied and i will have to pay the late payment. I explained that is is a financial burden because i am on a fixed income. I work part time but because of Covid my job is shut down. Now the late payment is doubled since I did not make the first late payment. I tried to explain that this was an error on their part so why should i be punished But they dont want to listen. I am at my wits end. If you can help I would greatly appreciate it.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This Two Credit Report Agency XXXX and Equifax, has reported XXXX, XXXX Reported on CC  
Sent email and file a complaint towards the company also request the removal of the false information.

"I have paid XXXX bill on time i have copy of receipt, I proof of bill paid cash on XX/XX/2017."$XXXX payment.