davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (IL)

It appears that Client Services Inc. has purchased from XXXX ( XXXX ) an account. I am in receipt of a letter from XXXX, corporate council, of XXXX. The letter, via CFPB portal, states that my phone number was wrongly used. XXXX states that my phone number would not be called in the future. 

Obviously, XXXX could make that statement knowing the " account '' would be sold to another company, Client Services Inc. ( CSI ). CSI has called, but has not left a message, and has not identified themselves on caller-id, but instead uses the ID of " Toll Free Call ''. 

I demand to know why CSI is calling my telephone number. I want the unlawful contact to stop. I want my number to be removed from the account file, so when CSI sells the account, my phone number is not part of the account, file, or whatever term the " debt servicers '' call it.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For 10 years, all the bureaus have mixed, mingled, and crossed my info with someone who shares my DOB and a similar name! I have disputed, spent hours calling and verifying who I am. Which is an absolute challenge because mine and the other partys identifiers are crossed too! What is the point in you all monitoring my report, if you are the ones creating the problem? This is bound to have its long term repercussions on me and you if this isnt correct soon. Its not identity theft because she isnt using my social and the police wont allow me to file a report Without some proof. Im beyond livid! This is going to mess with my retirement in the future and no one cares when I talk to them. They think Im trying to get out of a bill.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

these addresses are nonmailable XXXX my personal infomation is being compromised XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I consistently pay my mortgage payment on time every month. Mr. Cooper, also known as a nationstar mortgage continues to take my mortgage payments and apply them towards my principal. Since XXXX I have had to call them every month to make them properly apply my payments. In the process, they have charge me late fees, and now my mortgage is behind an entire 30 days which is probably affecting my credit. I am so stressed out over it because I try to pay my bills on time and Im being punished by them. I believe its some form of fraud because there is no way I should I have to call the company every month for the same thing for misapplied payments and they continue to do it. It is causing me so much undue stress that I am losing sleep over it every time I check my account. Every time I speak with someone they say theyre fixing the problem and they never do. I believe that they are committing fraud on me in an effort to collect late fees.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (UT)

I contact this bank again in order to obtain a settlement plan since I'm going through some financial issues and I'm not able to keep paying the minimum monthly and facing high interest charges every month. 

The representative informed me that there is no settlement plan to assist customers on liquidating the account balance, that the only way that could happen is when you stop pay and they send you to collection, again no respect for its customers, they rather damage your credit than offering you a payment plan. 

I wonder if this is even legal, so basically, they tell you, you either keeping paying whatever and we will add more interest to your account, and it will become a snowball by the time you can actually pay off or go to collection, which both options can affect your credit score negatively. 

I'm going through some financial issues, I'm a single mother and my income has lower in XXXX, which is making very hard to pay in full, paying on monthly bases as I have done the minimum is still generating interest rates every month as high as 29.9 %. 

I called and asked if they would have a payment plan and they said that the only way that could happen is when they send my account to collection which it can take several months, meanwhile they keep ruining my credit. 

They have reduced my limit in XXXX ( they do that every year! ), then they increased again and finally they decrease to the total amount of my balance, I have two cards with them, and they did this on both cards, is being damaging my credit score, I need to move house sooner and so far, I have not been approved because of that!

I work hard to pay my bills on time and if you look my credit score my payment is excellent for that reason.

Can Amex simply treat customers so unfairly? Are they like Credit Cards God though? At least is what it looks like. Frustrating.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SD)

I checked my credit reports via XXXX XXXX and it shows two collection accounts owed by Resurgent Capital Services of XXXX South Carolina. 
I never received notice or the right to dispute by these new owners. 
The former owner was LVNV.
Consumer complaint received 2018-03-14
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: EQUIFAX, INC. (CA)

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXXL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Consumer complaint received 2020-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AL)

So back in 2018 I have a missed payment in XXXX that I was NOT able to pay due to being in XXXX XXXX in the emergency room. Since then I have made all payments on time and have not MISSED one payment since then which 23 months of consistent online payments on time. 

With covid going on credit is incredibly important and I would like this late payment removed. It is affecting my credit which could get me lower car payments and much more. 

Money is hard to come by during this horrible time in America and I feel like it would only be right to get this completely removed from my credit. Just the late payment that was made back in 2018 in XXXX. So I can get the best loans possible.
Consumer complaint received 2015-04-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UBS BANK USA (FL)

I and my sister are beneficiaries of an IRA owned by my father who passed away. I have submitted the proper paperwork to UBS Financial and they acknowledge receipt. They are witholding the funds because they state that they will not make distribution until they have all of the paperwork from the other beneficiary. I do not believe that there is a legal basis for witholding the money due me but they have been giving me the runaround. Of course this costs me money while they hold onto it as long as they can get away with it. They are a big organization and shuffle me around to anonymous people so I hope that you can help me break through to them.
Consumer complaint received 2015-07-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I have a home equity loan with the Pentagon Federal Credit Union that is delinquent but I was asked by a representative of their collections department to add {$70.00} to my monthly payment every month starting in XXXX which I have done. They continuously call me even on the day I make my payment to ask me when I am going to make the next payment because it is still 30 days behind. I was even told last month that the arrangement was no longer acceptable and I would have to enter into a new arrangement which I refused to do. I was told at one point by a supervisor that the person that made the arrangement was not authorized to make that arrangement with me. I have been told on numerous occasions that my home could be foreclosed on. They did modify the loan a couple of years ago because I had XXXX. And I know the expectation is that you will make your payments on time after that but on XXXX XXXX, 2014 my youngest son passed away and it took everything we could scrape together to get him buried. I told them that and offered to send them a copy of the death certificate but they continue to hound me relentlessly. I am ruffly between {$400.00} and {$500.00} dollars behind which will take approximately 6 more payments to catch up but I just ca n't take the numerous calls and the verbal beatings I get every month, all month, any more. I know I owe this money and I 'm doing all I can to pay this debt but they have harassed me to the point and with the loss of my son, XXXX I am about to crumble under this constant abuse.
Consumer complaint received 2020-05-16
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: Experian Information Solutions Inc. (FL)

There are inquiries on my credit report that I havent made. Recently there have been a lot of false information reporting to my credit report please check records to confirm this. I havent applied to finance any vehicles for the past 12 months and there are collects on my report from dealerships.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Continental Finance Company, LLC (FL)

In XXXX I applied for a " VERVE '' credit card through XXXX, XXXX, MO. On XXXX/XXXX/15 an account number was given to me. On XXXX/XXXX/15 the card was activated and an upfront {$35.00} activation fee had to be paid before they would activate the card. The {$35.00} activation fee cleared my bank on XXXX/XXXX/15. On XXXX/XXXX/15 I made a {$100.00} payment on this account through my checking account but accidentally I left out XXXX number and the payment was returned. I did resubmit the payment on XXXX/XXXX/15 that cleared my bank account on XXXX/XXXX/15. My " VERVE '' credit card was placed into a revoked status on XXXX, the same day I made the payment, giving the customer service rep the corrected bank account number. I called " VERVE '' customer service on XXXX/XXXX/15 asking to explain this to me and I was told that I had to resubmit another {$100.00} payment by guaranteed funds because of the XXXX payment issue. Even though they received my XXXX payment on XXXX/XXXX/15 with a bank confirmation number, they requested another payment before my card would be re-activated. So, my account was revoked and I still have to pay the {$120.00} activation fee for a card that was used 1 time, and I only had for 2 months. This company has many bad reviews on the internet and they should be investigated for they way they conduct business. People, like myself, looking to re-establish credit do n't have many options and I feel this company takes advantage of people like me. Basically, I had to " give '' this company {$120.00} of my money and go through drama unnecessarily.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX Balance - XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Good day, My name is XXXX XXXX, and I am sending this complaint due to the recurrence of identity theft incidents. This marks the third time I have filed my claim, yet no action has been taken. Neither the credit bureau nor the involved companies have responded to my disputes. I feel that my rights as a consumer are being violated. As the victim in this situation, I am unable to obtain proper assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will pursue legal recourse.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have discovered discrepancies in how my personal information is reported across all three credit bureaus. My name, address, and possibly other details are inconsistent. This inconsistency undermines my ability to manage my credit effectively and may impact my creditworthiness. I am seeking assistance to rectify these discrepancies.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On or around XX/XX/24, I'd made an agreement and ACH payment request to resolve current payment. When asked if I would accept a return call in regards, I'd stated yes and provided my main/ only contact number of XXXX which is on file and was provided during the initial process of receiving the loan. On or around XX/XX/24, I'd received a call on my private work telephone number harassing me to call a representative by the name of XXXX at the number of XXXX. During my conversation on or around XX/XX/24, I'd stated to the representative to make note an additional payment would be made on or around the week of XX/XX/24 and to use my main/ only contact number provided of XXXX. I did not give Dividend Finance permission to call my private work telephone number. During the recorded conversations, it was clear instruction to call my cellular phone as my main contact if needed. I never agreed for Dividend Finance to call my work phone. I assume they've obtain the work number by the usage of calling them to have clear reception while conducting a call at work. I feel this act is considered harassment and unfair when clear instructions were provided when in need to contact me regarding my account.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I just wanted to file this complaint since my wife did the same earlier today. A few months ago we submitted disputes to the three credit bureaus and we received nothing from them regarding our disputes. We did it on XX/XX/XXXX. We just want the stuff that isn't reporting correctly removed from the credit report. Our credit is very important right now and we can't have it reporting bad things that aren't true. We also can't have the credit bureaus take their sweet time in investigating or possibly ignoring us outright.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I 've had Beneficial Finance out of XXXX FL, servicing as my mortgage company for several years, as far back as XXXX. Most recently in the past 2 years the representatives of their company have been standoffish and or short from rude, anytime l or my wife had to personally contact them for assistance concerning our loan, for mostly payment matters. Some of those matters arose shortly after unfortunately having to File for Bankruptcy in XXXX, due to loss of a job. However they were excluded in the bankruptcy papers at our lawyer suggestion. Actually that 's when we first noticed the changes in customer service attitudes anytime we contacted the them. Whether they 've flagged the account or what, it feels like something once they bring up the account something brings on an unenthusiastic voice from their representative, on my end of the phone. Most matters in contacting them concern payments over their website, which is the way l choose to make payments and have from the time it originally came in exexistence. After closing actual stores. l used to go in and make payments actually and was for the most part of why l chose to do business, they were locally or so l thought back then. But over time, from out sourcing customer service overseas and one could barely understand their accents and then long distance at that, not saying they were n't intelligent people because after all they were handling my exchanges of money to the mortgage account. The longer l 've been dealing with this company for years now, l 've come to a parting to refinance through another lender and it 's getting worse, l feel as though these are predatory lending practices. And feel somebody needs to look into their matters if they are n't already, before someone like myself end up with similar situation. Beneficial most recently has moved our account into their bankruptcy division, prohibited me from their website, failed to proceed applying my payment to the account for XXXX, now saying it is short even though it was the same amount as previous paid, no followup letter stating it was short of funds, possibly trying to ruin the ability of me to get another mortgage loan. I do n't know but it is what l feel is going on.