davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I filed a complaint with the Experian regarding my XXXX XXXX/XXXX   account because XXXX  XXXX was failing to accurately report the correct balance, so in response XXXX  XXXX chose to delete the entire account tradeline from Experian on XX/XX/2020. I called XXXX XXXX and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the Experian to make the correction when XXXX XXXX is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if XXXX XXXX went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and XXXX XXXX should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and XXXX XXXX will not cooperate with me as usual. I am attaching a copy of the dispute report from Experian to show the before and after to show that they in fact had my tradeline deleted.
Consumer complaint received 2022-11-21
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. (VA)

Im filing this complaint due to XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX failure to refrain from reporting information pertaining to my XXXX XXXX XXXX XXXX account. I demand they immediately delete the late payment verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial distress and can not obtain access to capital because of this unauthorized reporting. I have been denied credit on every application I submitted because of these reporting tactics.
Consumer complaint received 2023-02-26
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. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
Accounts are XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE COMENITY BANK REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.
Consumer complaint received 2022-11-21
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: LEXISNEXIS (NH)

I have written LEXIS-NEXIS a few times, asking them to verify how they verified a bankruptcy and asked them if they could remove it if it could not be verified. They are still showing it on my most recent Lexis Nexis report. I know the courthouse is do not report anything. I also know that the credit bureaus have came back and told me that they received the information from LEXIS-NEXIS and they just gather your stuff through public information and post it and sell it to the credit bureaus. I also know that just because something is a public record does not mean its true and accurate and that is not a verifiable source.
Consumer complaint received 2021-07-03
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: Receivables Management Partners, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : XXXX XXXX  XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : Receivable Management Partners, LLC Debt collectors account number : XXXX XXXX Alleged Debt Amount or Balance : {$440.00} Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX Dear Receivable Management Partners, LLC I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Consumer complaint received 2022-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I paid more double more than I should have paid. Wells Fargo knows they opened to accounts without. A word which should be used more often. Wells Fargo is very good at " Gaslighting '' and that is exactly what they did to me. When I was at my lowest point in my life, the loan officer, XXXX XXXX knew it. She just told me to sign sign and sign even when I asked questions and gave me inconclusive answer on the structure of the HELOC. Because she gained my trust and I believed. her. Every answer I received from Wells Fargo employees were just as confused as me. 


They did not respond to my last inquiry regarding mediation and to finalize the part where it was XXXX to Wells Fargo. They informed me they will contact me, there was an initial contact and then I never heard from them again. Even though they informed me they will finalize and settle this account due to their wrong doing of having 2 account numbers and without disclosing to me proper procedures I want this case to be finalized and where they reimburse me the amount I paid to them to close my HELOC so I do not lose my home. 

They can reimburse me the amount I paid them, minus the XXXX they paid to me to settle one of the complaints I made against. them. 

Wells Fargo should swallow their pride and know their wrongdoing and reimburse me {$61000.00} ( XXXX XXXX XXXX dollars ). 

This is in good faith from Wells Fargo to XXXX. XXXX XXXX XXXX. 

There are dirty employees who will lie, steal and cheat and sorry that Wells Fargo had to incorporate these employees into their system so they would not fear of losing their job and meet their quota. 

Honesty and Trust is far greater than greed and being number one.

I will be waiting to hear from Wells Fargo to finalize the mistrust and " Gaslighting '' they imposed on me and my mental status. 

Wells Fargo truly hurt me financially and mentally and that is far greater than physical. 



.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (PA)

The three credit reporting agencies ( XXXX, Experian, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and Experian have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies XXXX Experian, XXXX, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( XXXX, Experian, XXXX ) XXXX updating this account even though it is closed. On at least one of my reports, ( Experian ) the CRA is reporting XXXX chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

Experian states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXXXXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX  # XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A fake Bank of America representative called me from Bank of America 's customer service number ( XXXX ) claiming to be in the fraud department to alert me to 2 fraudulent XXXX transactions. One for {$3000.00} and another for {$500.00}. He said since XXXX isn't part of Bank of America, they can't stop the transaction, but would credit my account in the amount that was pending. 

The impersonator walked me through opening the Bank of America app and going to the XXXX transfer screen. He said that since my name and phone number had been compromised, I should add myself to the contacts list using my middle name and last name. In the phone or email space he would give me a case number meant to flag the system. 

Once I did that, he had me send 2 transactions to myself for a total of {$3500.00}. He said that I would get a confirmation email shortly. Since I was at the park and my kid hurt herself, I said, I'd call back in a couple minutes if I didn't get it. When I checked, I realized I sent someone that money.

The impersonator knew the city I lived in and that I had a checking and savings account. They also gave me a case number. 

I filed a claim while funds were pending. The claim was denied and BOA refused to let me file an appeal. Still waiting on supporting documents for this case. 

BOA acknowledge that the funds went to an account at XXXX Bank and that this fraud had ramped up lately, but weren't able to give me back my money. They did acknowledge this was a fraudulent transaction.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CA)

I called numerous of times over a year period regarding XXXX performance of the cell phone as well as billing issues. I filled out complaints with the XXXX in regards to the numerous of times of billing errors and poor call performance. After speaking with an executive team the contract was supposed to be terminated. After several months I received an email for the return of the device for {$140.00}. This was not the agreed upon resolution by the merchant so I tried to contact the representative again. At that time they had transferred the account to Convergent Outsourcing , Inc . I contacted Convergent to let them know this is not a debt and provided them with the email showing of the debt in question was {$140.00} and not {$570.00} as they had suggested. XXXX which I believe is owned by XXXX through a recent merger and Convergent has ignored all attempts to resolve the issue and has continually reported negative collection balance of {$520.00} on my credit report as recent as XX/XX/2022. Any help in resolving this issue would be greatly appreciated. I have copies of complaints with the XXXX, emails, and phone logs for your examination.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and XXXX My Business, my Trust Account and my personal account were hacked. on XX/XX/XXXX I called Wells Fargo to let them know about the problem they filed several claims and gave me the numbers to follow up on them. At that point intime I asked them to stop any payments to any body. On XXXX XXXX my account were hacked one more time, seven charges were made to the business account. it was until XX/XX/XXXX when I realized that more charges have been done despite the fact that I have instructed Wells Fargo not to pay anything. Wells Fargo gave me credit for five charges, but refuses to give me credit for two charges in the amount of {$2000.00} plus {$1000.00} total of {$3000.00}, they sent me a letter indicating that I should have made my claim no later than the 2nd day after the transaction ocurred. 
Wells Fargo also paid a Check Number XXXX {$1000.00} such check is not from my Business Account it belongs to someone else and It does not have my Business Acccount Number, despite that fact they paid it.
Consumer complaint received 2022-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I have fallen past due on my mortgage on XXXX of XXXX after getting sick from XXXX XXXX which caused me to be out of work and loose income during this time. Soon after I reached out to Shellpoint and requested a forbearance program. Recently I tried to request for mortgage assistance under the XXXX XXXX programs. On my last conversation with Shellpoint on XX/XX/XXXX they advised me I was declined for modification because a failed XXXX  stating my home has equity and that is the reason they could not help me. My understanding is with the increase in home values most all homes have equity, and this would mean they are not helping any homeowners if it doesn't benefit the lender. Also, on XX/XX/XXXX Shellpoint advised me my home loan is no longer a XXXX XXXX loan and that my loan was sold off to a new investor on XX/XX/XXXX and with the new investor they do not have a Partial claim program placing the amount I'm past due due to the XXXX forbearance towards the end. I believe there is predatory lending happening because before the loan was transferred to a new investor, they knew I was past due and also knew there was equity in the home. I feel this new investor is purposely trying to foreclose on my home. The only offer they gave me was for me to pay {$5600.00} down payment and produce payments of {$1400.00} per month which I told them I could not afford. The denial I attached shows the XXXX  results to be incorrect and per my research other homes have been saved showing the same XXXX  results. As well on the Denial letter dated XX/XX/XXXX shows my loan to still belong to XXXX XXXX but I was told otherwise on XX/XX/XXXX by Shellpoint. Shellpoint initiated foreclosure on XX/XX/XXXX while I was in review for assistance as per CFPB guidelines I feel Shellpoint is violation of Dual Tracking laws of foreclosure as well as Failure to perform and Negligence. Shellpoint and its investor knew I was past due on my mortgage before it was transferred to the new investor and are not willing to offer me a loan modification to save my home. On number XXXX on the XXXX  it shows the investor is Shellpoint but on page XXXX of the Denial Letter it shows XXXX  XXXX XXXX XXXX  XXXX Something is illegal here!
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-11-21
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: CITIBANK, N.A. (MD)

I would like to appeal this result and see no way to do that through your website, which is why I reached out to the CFPB. 

Per federal guidelines, I am requesting this credit because of false advertising. I have a credit slip and I have lots of documentation. Bad service and service not rendered are eligible reasons to dispute a charge, even though I willingly made the purchase. The Fair Credit Billing Act gives me the right to dispute charges in case I am dissatisfied with the transaction through a process called Claims and Defenses. I contacted the merchant multiple times ( as shown in my evidence ) and we were unable to come up with a reasonable resolution, which is when I reached out to you at Citi. I attempted to resolve the issue over several days in good faith, she offered me only my security deposit back ( which I was already entitled to, less {$50.00} for a damaged pillowcase that I didn't know about ) despite the fact that the pool and hot tub did not work for the entirety of our stay ( among other things ). 

There was no way for me to know the home was in disrepair until I stayed in the home- I even purchased two extra nights in an effort to avoid something like this and to give the owner ample time to fix the issue. She did not. I'm surprised that as my credit card servicer, that you aren't on my side here. 

I have also submitted complaints to the attorney general in Arizona and Texas ( where the businesses are registered ) and the XXXX  in an effort to try to resolve this reasonably with the merchant and they have refused to respond. 

So again, there is no clear way to appeal, and I would like to appeal immediately. 

Thanks, XXXX
Consumer complaint received 2021-02-22
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: MUTUAL OF OMAHA MORTGAGE, LLC (KS)

On XXXX XXXX, 2020, Mutual of Omaha Mortgage via XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.