davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experian monitors my credit report for a monthly fee. I received a notice today from my XXXX XXXX  line of credit reducing my line of credit by XXXX due to XXXX/XXXX XXXX XXXX  reporting a mortgage loan on my credit file with Experian. I have provided Experian with numerous two separate police reports and letters disputing this account as Fraud. The account is updated and then shows up again when Experian has removed it due to fraud. Now whenever I try to dispute the item I am told to call in. When I call their fraud specialist and leave my number as told I am never called back. Whenever I try to dispute the item online I am denied saying that I have disputed the item before and Experian does not have to allow me to dispute it again. How is it I can not dispute a fraudulent item? I have called and called and called and each time I think I am to someone that can help me I am disconnected or not allowed to speak to anyone but I can leave a message? WHY AM I NOT ALLOWED TO DISPUTE A FRAUDULENT ITEM WHEN I HAVE PROVIDED TWO SEPARATE POLICE REPORTS TO EXPERIAN.
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NH)

Like many people I was struggling before the pandemic, but during the pandemic I was unable to make my mortgage payments. I applied for and was granted 12 months of forbearance of my XXXX XXXX mortgage serviced by Mr.Cooper. At the end of the 12 months I was NOT informed that under XXXX XXXX I was entitled to two additional 3-month extensions. When I did apply for those through Mr.Cooper I was told no. When I applied for a Loan Modification I was told no. I was told I could do a Repayment plan, but I would have to pay the outstanding balance of payments due in a lump sum ( in violation of XXXX XXXX  guidelines ). I requested written clarification of why I was not entitled to the extensions and why I was not entitled to a Loan Modification. I also requested an explanation was to why I had to pay back the payments suspended during forbearance as one lump sum. I have received NO written response to these questions from Mr.Cooper. I have however received two letters from XXXX XXXX XXXX informing me that Mr.Cooper has turned my loan over to them for foreclosure. This is extremely frustrating. Why am I being singled out for treatment that violates all of the XXXX XXXX guidelines currently in place? I do not have the money to hire a lawyer to help me with this. However, I am waiting on an inheritance which would allow me to pay the outstanding balance of payments of approximately {$32000.00} in a lump sum. That should be going to probate and should get through probate in 12 weeks or sooner. So if I was actually granted the 2 forbearance extension periods I am legally entitled to I would be able to pay the outstanding balance and make my mortgage payments on time from here on out. But Mr.Cooper would rather drive a XXXX year old woman out of her house and onto the street. Mr.Cooper is also aware that there are 14 old horses on this property that have nowhere to go. Is Mr.Cooper going to pay for their board at another property? Is Mr.Cooper going to have them all destroyed since I can't take them with me to live on the street? Or better yet, is Mr.Cooper going to follow the regulations mandated by XXXX XXXX and give me my forbearance extensions so I can save my home? Please help me. I would rather die than leave my home knowing my horses will all be killed especially when it can all be avoided. I have provided Mr.Cooper with proof of my inheritance. I have provided them with proof that I am serious about saving my home. And yet they can not bother to respond to any of my requests in writing I will be making a copy of this complain and submitting it to Mr.Cooper and to XXXX XXXX XXXX as well. I hope you can help me. Thank you.
Consumer complaint received 2019-02-16
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a college student. My mom & I sat down as I returned from college and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX  XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on XXXX. We contacted XXXX & Wells Fargo bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both Wells Fargo & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see XXXX  is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), Wells Fargo credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & Wells Fargo. XXXX did their job and removed it for Fraud. Wells Fargo has not. How did a large national bank such as Wells Fargo allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.
Consumer complaint received 2019-02-16
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: Expedite Financial, Inc (CA)

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
Consumer complaint received 2019-02-16
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. (FL)

Today XX/XX/2019 I went check my credit report as I do monthly. I found 4 accounts from the same company. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX. ( XXXX ) XXXX amount of {$340.00}. Second amount {$1100.00}. Third amount {$650.00}. Forth Amount {$220.00}. After reviewing my documents this matches. The same amounts from another creditor account already disputed and off my credit reports do to identity theft. The creditor company was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX. This company creditor have the same amounts due as above. This means that the creditor changed collection agencies. Still show amount due. From a different company with the same amounts due. Even when its identity theft.
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is at least my second complaint filed for the same exact reason. My Social Security is Direct Deposited to my checking account. When I try to make purchases of XXXX cents, {$100.00} or {$500.00} my transactions are cancelled. I get a text message only 50 percent of the time asking for authorization, but when I retry the transaction its still denied. Ive missed out on almost everything I wanted to buy for over a year as though I have insufficient funds or the card isnt mine. Bank of America doesnt let me spend money when I want to because they are protecting me from fraud even if its only XXXX. I just cant explain what its like to watch everyone around you buy nice things and have to sound like you are lying about being able to get bank account to work ( instead of having money ), or be in line in a crowded store having to go though this embarrassment. I should always be able to access my account, especially after sms authorization, anytime of day and anywhere visa can be used.
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP (CA)

XXXX XXXX, Attorney at Law has claimed I owe the City of XXXX Ohio, over {$500.00} in back taxes. I worked in XXXX in the years XXXX and XXXX at a XXXX XXXX and have never been asked to pay city taxes for the work done as a teenager. They should cease and desist. The statue of limitations is over. To request back taxes from 20 years ago, during a pandemic is in bad taste and is threatening. Why would they try to ruin people 's credit scores during a pandemic? The statue of limitations has expired. I don't recommend buying anything from the City of XXXX, especially debt collection that is past the statue of limitations.
Consumer complaint received 2020-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VT)

Hello, I am having an ongoing problem with numerous debts and account son my consumer credit files which are not my own and which, under dispute, have not been resolved or even investigated by the companies which are reporting on them. I am creating this claim through the CFPB portal in hopes of mediation and assistance in oversight to make sure that the debt collectors receive the information I will include as well as oversee compliance to an investigation which I have asked for multiple times and have yet to receive information for. 

I did not live in the United States during the time which such debts occurred. I never lived at the addresses such debts are tied to and I never identified by the names that are associated with these accounts. 

Numerous collections are held by Portfolio Recovery Associates,  a debt buyer/collection agency, and I have stated as much in disputes through the CRA 's where they report this information. No such investigation in accordance to the FCRA, FDCPA or FCBA has been forthcoming. 

I ask respectfully that such an investigation be provided and that the information which is currently reported to the CRA 's be removed. I also request that such fraudulent data not be sold to another agency. 

I am including documents from when I was overseas for school, which coincide with the timeframe of when such identity theft was occurring stateside. 
because I have multiple issues, i request such data be held by the CFPB on the record.

The accounts held by PRA are : XXXX for : {$600.00} and {$990.00} XXXX for {$300.00} XXXX for {$750.00}
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/XXXX I attempted to pay my bill via the online website but could not get the transaction to post until 1 hour past their EST deadline, however they were able to complete the ACH that evening and post it by the following AM. 

I immediately contacted Capital One and they reviewed the situation and agreed with the error and reversed the automatic late fee. 

On XX/XX/XXXX I was incorrectly then assessed {$73.00} in Interest Charges. I contacted Capital One via phone on the evening of the XXXX where they refused to reversed these charges.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

This account needs to be removed immediately XXXX XXXX Should not have any information on my credit account From XXXX I need proof and valid information this is not my account remove immediately
Consumer complaint received 2019-02-16
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: Simon's Agency, Inc. (NJ)

I have been writing Simon 's Agency again and again requesting validation of an alleged debt which was being reported on 2 of my credit reports. For months and months, they have responded with incomplete information and have, to this day, been unable to validate the alleged debt. The only information they have given is that he alleged debt originated from " XXXX XXXX XXXX ''. The inaccurate account has since been removed from my XXXX credit report due to their inability to validate the account. However they are still falsely reporting this information on my XXXX report.
Consumer complaint received 2020-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

Since XX/XX/2019 Sunrise credit at XXXX XXXX XXXX  NY XXXX services is harassing me opening and closing account Ive tried to talk to them and they wont help me in anyway Im homeless with XXXX  XXXX  trying to move into a home but this is causing issues for my credit
Consumer complaint received 2020-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-03-31
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. (PA)

Recently I contacted XXXX XXXX because of the corona virus, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from XXXX XXXX. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the corona virus. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : Equifax ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that XXXX does not discriminate and my credit score is not my Fico score. I guess she thinks I'm stupid. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. XXXX of which is due to the corona virus. I guess she believes that I purposely went to XXXX, contracted the XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX female.
Consumer complaint received 2020-05-25
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. (OK)

I satisfied my account with XXXX XXXX XXXX in full in XXXX of XXXX. I received written confirmation of this dated XX/XX/2019. The account is still reflecting a balance of {$1300.00} with all credit reporting agencies. I have contacted XXXX XXXX XXXX of this issue and received no resolution. So I have disputed the inaccurate information with all XXXX major bureaus. Most recently TransUnion has replied to my dispute stating that the information is being reported accurately and that it will not be updating the information even though I attached XXXX XXXX XXXX 's letter with my dispute stating that the account has been settled in full and now has a {$0.00} balance.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (PA)

The representative was using insults, deceptive and immoral tactics, and threatening to sue if I did not pay immediately or the amount that she demanded me to pay. I received phone calls twice a day for a few weeks at odd hours until I called back. While asking for an explanation or proof of debt, she began to become enraged and agitated by this. At which point she prepared a statement on my behalf that I said I was refusing to pay this debt to the attorneys so the lawsuit could move forward and I would be sued for not agreeing to pay the amount she wanted on the spot. I called back to speak with her supervisor and was forwarded to his voicemail with no call back. Not only are these practices illegal, it is disgusting that a law firm would be so unprofessional.
Consumer complaint received 2021-12-07
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND  THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. 

I HAVE SENT DISPUTE LETTERS ON XXXX20 BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX20 WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO  RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.