davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

I had an account with XXXX, which went overdue and they sent the debt out to a collection agency. This agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX contacted me on XX/XX/XXXX. I paid them the amount of XXXX via single-entry ACH debit on that same date, XX/XX/XXXX. I received and still have the receipt for this payment. Since that time, 5 years ago, several other agencies have sent letters and contacted me in an attempt to collect this same debt from XXXX. When told I had already paid, and upon seeing proof, they would suggest I call XXXX and stated XXXX needed to take it off their records so the debt would not continue to be reported and sold to other collection agencies. I have repeatedly contacted XXXX to no avail. I just received a notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, which stated the debt was so old I could not be sued for it nor could it be reported to any credit agency, but they offered 2 options to resolve the amount of the debt ( which had been paid in XXXX ). I am beyond frustrated and confused how this single debt from XXXX could last this many years, being sent to different collection agencies, especially considering it has been paid. I would like this matter resolved immediately.
Consumer complaint received 2016-06-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MT)

We closed on our house XXXX XXXX, 2016 and the XXXX house was paid off. Our last statement from Carrington mortgage stated that we had an escrow balance of {$1300.00}. We just received our escrow release check for {$770.00}. We called Carrington to see why we did n't receive our full escrow amount and they stated that they paid the property taxes on XXXX XXXX. Our taxes were {$1000.00} so that does n't make any sense if you do the math. I called the county to confirm and they said they only received one payment for the taxes, which was from XXXX at closing, so Carrington mortgage did not pay our taxes. There was nothing else due in XXXX to come out of our escrow, only the taxes. I have attached the receipt from the county to prove that only XXXX paid, our last mortgage statement showing the last escrow balance before paying off the loan, our refund check, and the annual escrow disclosure statement to show that nothing else was due from our escrow account. When I contacted them to get a resolution they said that I would have to reach out to the Carrington research department. I did fax them over all the same info. We want the remaining balance of our escrow back of {$550.00} and were depending on that full amount of the escrow money. Please help us!
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a credit card with Capital One. I was told I needed to submit more information before the account can be opened. I never followed up on this card and decided I did n't want the card. About a year later I get a statement with {$0.00} balance. I was confused because I never followed up with the information they requested on the initial application. I called and requested this account to be closed, I was told they could not close it until I provided the information requested to open the account.
Consumer complaint received 2020-10-10
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: Resurgent Capital Services L.P. (MO)

I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX  and XXXX  ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

Phh Mortgage is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax says that my personal information was likely stolen and they can do nothing about it. I did n't give them my information, they collected it. I have no way to make them delete my information and they appear to be untrustworthy stewards of my information since it was stolen. They want me to waive my rights to sue them in order to try to protect myself from the identity theft that may result from THEIR loss of my information.
Consumer complaint received 2016-07-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WV)

I was talked into taking out a private student loan through XXXX XXXX by a parent in XX/XX/XXXX instead of a federal loan. This parent cosigned for the loan. I ended up not graduating due to being placed in the wrong degree and getting frustrated trying to get in the right degree. This happened in XX/XX/XXXX. 6 months later my loan came calling asking for their money. While I was living at home with my parent this was doable. Since then I have gotten married and have XXXX children. I bring XXXX around XXXX a month. My expenses run right at that a month even with government aid. My wife has been diagnosed with XXXX that occasionally leaves her XXXX. I have looked into other jobs but do not meet requirements to move into a higher paying job. My cosigner had XXXX 3 years ago and is still buried in debt from that. My loan has been sold off to American EDucati on services by this point. I have made an attempt to see if they can work with me to make this manage able and all they offer is apologies and that I can apply for forbearance. This loan has been collecting interest since I was approved. It had over {$3000.00} of interest before I even made my first payment. It is still over {$1000.00} above the original amount. I have made a majority of the payments with the cosigner help since the payments began. This is causing XXXX for my wife and I while trying to care for our XXXX children. It has caused tension between me and my cosigner over the financial stress. I have made use of forbearance since my wife and I got married twice I believe but neither was for a long period of time. I see no end to this debt that I do not really have a way to pay on.
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

My mortgage was sold to Loancare in XX/XX/2020. On XX/XX/2020 I made a onetime payment and set up auto payments to come out the first of every month through the my bank. In XXXX I noticed that No payment had come out on the first. After more checking it had not come out for XXXX either. I had an email saying thanks for setting up auto payments. I contacted Loancare to find out what was going on. After a couple of days I finally got an answer. They said auto pay had been set up but it takes 30 day to go into effect. This meant that my XXXX payment did not come out on the first which put me in default and they wont pull payments from auto pay if your in default. Thus they didnt take out XXXX payment. On XX/XX/XXXX, i made a re was no one time payment of {$3300.00} to get everything straightened out. They said there was no number for the credit department but I could file a dispute.I filled a dispute with Loancare. On XX/XX/XXXX they sent me a letter saying the previously reported information was correct. 
Ive had no lates on my mortgage for like 7years. Im trying to refinance and get a better interest rate but this has messed with my credit.
Consumer complaint received 2016-12-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (MD)

Sun Bank credit card makes Due Date impossible to meet because it is a day when mail is NOT delivered! XXXX XXXX, in XXXX ; Sunday, XXXX, in XXXX. 
I complained in writing to XXXX XXXX in XXXX, FL in XXXX No response. 
Meanwhile, Bank charged me {$35.00} late fee!
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is reporting a charged off debt that I have wrote them several times with proof that the debt is not mine. I have provided them with copies of my Identification, social security card as requested, I have disputed this inaccurate information with XXXX XXXX XXXX XXXX XXXX times as well and they have refused to correct the information Even though they have collected the full amount of the debt from my son who has a similar name as mine. Whose debt this is in the XXXX place. A fact that I have pointed out to Capital One and all XXXX Credit Reporting Agencies. with no change from either agency or Capital One. Furthermore I have been Denied a credit card because of this false report. I thought that if I provided proof of who I am that Capital could distinguish between father and son given the birth dates, Social Security card and State of Michigan issued ID cards, but the last response I got was a refusal to remove their error from my credit report. I have been struggling to get them to take this information off of my credit report for years now I have had enough from Capital One this is an organization who seems to believe they do n't have to answer to anyone and they can report anything they wish about anyone.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (NY)

This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX Midland Credit MGMT XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (DE)

I keep seeing this on my credit report and when I called the company, they keep saying that I owe something I told them that it's my information is corrected but I didn't make kind of loans or payments. I asked them to send me statements, but I never received them and filed a dispute to the credit bureau and now it's been XXXX months and still no statement or emailed about such bill.
Consumer complaint received 2024-01-14
Product: Credit 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: WELLS FARGO & COMPANY (DE)

Around XX/XX/2024, I purchased tickets to travel to XXXX, Texas. After my arrival, I had some issues where the room I booked through XXXX was a double charged, and secondly, the room had a foul odor. I complained to the management, about the smell and the front desk clerk stated that she should change our rooms. The following when I went down to have the room changed, another clerk was at the desk and she informed me that it was not possible. When we left the hotel for breakfast, the clerk stated that she went to investigate the smell and would not honor the change of room as the previous front desk clerk stated. In addition to the invasion of privacy, the room smelled like smoke, and overall it was a bad experience.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (CO)

I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance. 

My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close the account.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CT)

I closed my TD bank XXXX Credit Card in XXXX. In XX/XX/XXXX I accidentally reactivated a subscription program with XXXX and they charged my old ( closed ) credit card on the account without my consent. Because I did not have any relationship with TD bank for years, I did not notice the charge until months later, by then they were already charging me an absurd amount in interest fees. Their phone customer service told me to go to a branch to get the fees removed. The bank employees told me to come back in XXXX different dates to talk to the manager. The manager didnt even care enough to understand my situation. Now Im trying to pay for fees in a cancelled credit card and their customer service number never answers the call, and when they do they keep transferring me and putting me on hold. Its the most absurd situation Ive seen in a long time. Ive already spent countless hours trying to solve the issue. Their employees are highly trained to sell but not to serve and help the customers.
Consumer complaint received 2024-01-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NY)

In late 2023 I've applied for personal loan for which I've been prequalified from XXXX ( XXXX ' ). During the process I was required to submit certain documents to finalize the underwriting process. After submitting the application with all the documents it was XXXX  denied. I was told to expect to receive a letter via mail which will explain the reasoning, however I have never received XXXX. Following extended waiting I've called XXXX and requested a letter to be re-sent but it never arrived in my mailbox and no amicable explanation was provided why. The above metioned Adverse Action Letter ( 'Letter ' ) is required to be provided to the customer pursuant to Fair Credit Reporting Act & Equal Credit Opportunity Act.
Consumer complaint received 2022-12-30
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-10-10
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: International Computer Systems, Inc. (MO)

I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX  and XXXX  ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX a consumer who has been directly impacted by actions identified in CFPB consent order of XXXX  against XXXX XXXX. 

Ive long disputed this debt and as its clear that XXXX violated the XXXX and XXXX, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. XXXX has continued to report the same debt as XXXX different derogatory trade lines with equifax. 

I received no compensation after the finalization of CFpB consent order.