davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have written to them regarding the accuracy of my report, but they still have not responded with updating the report and removing the inaccurate information violating the FCRA. They continue to send stall letters requesting the same information that was sent to extend their time in responding.
Consumer complaint received 2020-10-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have not been able to get any answers from Bank of America regarding a loan modification for my home. My last trial payment was XX/XX/2020. Bank of America are liars because the supervisors and managers. I can't get an update and its hard as XXXX to get a live voice. It take 3-4 hours being on the phone just to get a live voice and no supervisors nor managers will keep their word by returning phone calls.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I was in a chapter XXXX. Once my chapter was completed and about to be discharged the mortgage company sent me a notice of default. I contacted my bankruptcy attorney and they contacted the attorney office with documentation showing I had made all payments and everything thing was supposed to be put on hold while Shellpoint did their research. Well it has been two weeks and I received a certified notice XX/XX/XXXX of notice of default from Shellpoint Mortgage. During my bankruptcy I fell behind so on XXXX of XXXX we made a agreement for me repay XXXX with a Stipulation on motion for relief from stay. This document was filed in bankruptcy court. I paid all payments as agreed. I sent them proof of my payments and they are still saying I owe XXXX, XXXX. They have not provided me with how I owe this amount when I XXXX of XXXX I owed XXXX, XXXX which I paid and provided them proof of payment and now I am in default for the XXXX, XXXX. This makes no sense. Shellpoint has clearly made and error. When I first filed my bankruptcy I owed XXXX, XXXX which was paid in my bankruptcy by the trustee so I have no idea were this amount comes from. Also when I first filed bankruptcy my loan was with another a company called XXXX XXXX XXXX XXXX and sold to Shellpoint on XX/XX/XXXX.
Consumer complaint received 2024-10-30
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: CITIBANK, N.A. (NC)

Dear Citibank Customer Service, I am writing to formally request the prompt refund of an overpayment I made on my Citibank credit card account ( account number ending in XXXX  ) in the amount of {$150.00}. I initially contacted Citibank on [ Date of Initial Request ] and requested that this amount be returned to me via check. However, to date, this request remains unfulfilled, and my account balance does not reflect any pending or processed refund for the overpayment. 
As a resident affected by Hurricane Helene, a federally declared natural disaster, I am entitled to certain protections under the Disaster Relief Act and related Consumer Financial Protection Bureau ( CFPB ) guidelines. The CFPB mandates that financial institutions expedite service requests related to account adjustments and payments, particularly for victims of federally declared natural disasters.

Under the Truth in Lending Act ( TILA ) and Regulation Z ( 1026.11 ), consumers who overpay their credit card accounts have the right to request a refund of any credit balance. TILA specifically mandates that credit balances be refunded within a reasonable timeframe once a request is made. Given
my circumstances as a victim of Hurricane Helene, a federally declared natural disaster, it is reasonable to expect that this refund request be expedited. 

Given the hardship caused by the hurricane and my current need for expedited processing, I respectfully urge Citibank to issue the refund of {$150.00} immediately via check. This amount is essential for my recovery and access to funds, and I request this be prioritized accordingly.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MN)

An account was opened at wells fargo under my name. At the time I reported this I didn't have a police report, nor did a I have a letter from XXXX acknowleding that my XXXX ID/Phone number/iPhone had been compromised. I have included a letter for wells fargo, the updated police report, and the letter from XXXX for proof of this.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OK)

XX/XX/XXXX received funds from customer and balance was {$40.00} XX/XX/XXXX was informed my account was closed ( no reason ) XX/XX/XXXX tried to withdraw funds declined XX/XX/XXXX Appealed closing of account ( still no reason why they closed ) XXXX XXXX, XXXX and XXXX been trying to transfer declined XX/XX/XXXX contacted bank and asked for refund in form of check and was declined XX/XX/XXXX cash app will not allow transfer to go threw
Consumer complaint received 2024-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (FL)

Here is a copy of my last credit report that I sent to Wells fargo account number XXXX date opened XXXX line of credit home equity loan : This information is on my credit report see credit limit $ XXXX. The account was closed on XX/XX/XXXX : see credit report this account was placed in forbearance with and outstanding of {$140.00} ; XXXX payment received {$280.00} : This same loan was modified by Wells Fargo at the same time please see credit report .Wells Fargo Home Mortgage XXXX XXXXdate opened XXXX conventional real estate XXXXpayment $ {$1300.00}. Please see credit report Balance XX/XX/XXXX {$1300.00}, {$140000.00}. XX/XX/XXXX {$1.00} ; XXXX : balance {$140000.00}, XX/XX/XXXX. {$1.00} ; XXXX. Balance {$140000.00} : Date XX/XX/XXXX, {$1.00} ; XXXX. Monthly payment {$140.00} ; XXXX : balance. Date XX/XX/XXXX {$1.00} ; XXXX. Monthly payment ; {$140.00} ; XXXX : payment keep going up : I have paid on this mortgage for 28 years with and out standing balance of over {$140.00} ; XXXX. Calculation error : The two account was on our report for year : My XXXX XXXX credit has been removed from my credit report my credit report has been removed : XXXX - XXXX. It scored because the request score model can not be scored or retired because date is suppressed or can not be evaluated : Why was my credit report removed from the files. Help me please Wells Fargo is a big company With powerful employees : I do not want to meditate with Wells Fargo Bank they will not be fair with me. I am sending the checks and cover letters telling me to cash the checks I have not cashed them.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (CO)

Jefferson Capital Systems the collecter name is XXXX XXXX. He called my wife today and said we were 3 months behind. We set automatic payments with this same person months ago and payments were being taken out monthly. It was set for the XXXX every month XX/XX/XXXX payment was taken out was set for the XXXX. He said we stopped the payments and need to call the bank and said they will take her to court and garnish her pay. We call the bank and we did not stop the payments there company never took payments out. The bank said there was no post from them and we had funds every time. I called back and talked to them. This person messed up the payment arrangements and again messed it up today and put the next auto payment for XX/XX/2022 years from now. He did not leave any notes in the account from his call today so it took another person and a supervisor to fix this issue and to remove is out of the delecincy because of his mess up and he threatened us by saying they were going to take us court and garnish our wages. I got it fixed with the other people he put our account back up to XXXX and we paid XXXX on this account. Becuase he messed it up they corrected it to now XXXX. My wife is XXXX and this almost gave her a XXXX XXXX  do to her illness. I want to know what I can do to get this justified for the threat he made and the company completely messing up our account.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (MS)

I was coerced into buying gift cards because my identity was supposedly hacked. 

The card was charged for {$700.00} at XXXX on XX/XX/year> and I disputed it with the bank. They wouldnt cover the {$700.00}. I never buy gift cards so this is unusual account behavior The institution I use is first Horizon Bank as my financial institution.
Consumer complaint received 2024-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MD)

Checking my credit score and noticed it had gone down. I found that the collection company Zion Debt Holding, LLC, XXXX XXXX UT, XXXX had purchased the said debt from XXXX XXXX XXXX amount of {$660.00}. 

I emailed XXXX and received a response from representative XXXX XXXX. I informed her that the debt was not my responsibility and explained the invoice was for XXXX XXXX, a Thai restaurant in XXXX  DC. I worked there about 6 years ago and that restaurant closed about two years ago. I was a contact person on the account, not responsible for billing accounts. I gave them the name of the restaurant owner and his address in XXXX. Zion refused to remove the debt which directly lowers my credit score. 

This information took place place the last week of XX/XX/year> XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (WA)

We have blocked the number XXXX from my sons phone. They call with a robo call up to 5 times a day. The company is ABC Fitness representing XXXX XXXX. XXXX XXXX had a payment arrangement on our account before it went past due they had communication of what was happening. STILL their third party won't stop stalking us. I called today as the primary on the account- they refused to stop stalking my sons. We will be canceling our membership with XXXX XXXX because when people do communicate with them they do not honor it.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NH)

Sunrise Credit Services XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NY XXXX calls me every day. I answered the first call, but they immediately hung up without saying anything. That was on XX/XX/XXXX at XXXXXXXX XXXX  They have called me once every day, but never say anything. I verified the number. name, and address as Sunrise Credit Services XXXX XXXX, XXXX NY, which interestingly is in the same Town as XXXX  " Customer Service. '' These calls began right after XXXX XXXX XXXX XXXX TX XXXX notified me that they were no longer attempting to collect a debt which I claimed I did not owe. 

My complaint against Sunrise is that they are a collection company XXXX. ) Calling and hanging up without identifying themselves XXXX. ) Specifically, calling without stating they are a collection company XXXX. ) Calling without stating their business XXXX. ) Calling before mailing and either receiving a debt validation letter or alternatively waited until the statuary time has elapsed without a response. 

I have never received any documentation of an owed debt.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Hello. My Nelnet loans are showing up on my credit report as unpaid but have been paid in full for over a year. Today on XX/XX/XXXX I called XXXX and requested a dispute claim. I was told that a form was submitted and the person on the phone unofficially said that the turnaround should be one month.
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

On the morning of XXXX XX/XX/year> I received a notification from XXXX that a collection had been reported to my credit report by I.C. SYSTEM, INC. 
XXXX I.C. SYSTEM, INC Address XXXX  XXXX, MN XXXX Phone number ( XXXX ) XXXX I immediately contacted XXXX to dispute the debt as was assured XXXX years ago by a customer service XXXX at XXXX that the charge amount of {$330.00} had been forgiven because the original creditor XXXX had charged me a full month after I had canceled my subscription. The collection agency claims they texted me in XX/XX/year> about my debt. I told the representative that an initial dunning letter is what is required by law to allow me XXXX  days to dispute the validity of the debt and that any electronic communication without my consent is illegal and probably would have been ignored by me because I don't have any creditors that would've communicated with me regarding an outstanding debt via text message. I further exclaimed that I demand they remove this debt from credit report immediately the rep refused, I obtained the inhouse reference number associated with the debt of XXXX
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

I am a XXXX XXXX homeowner, I was working with Shellpoint Mortgage servicing my point of contact on a repayment plan. In late XX/XX/XXXX, I submitted an Application to XXXX XXXX XXXX XXXX  early XX/XX/XXXX. Shellpoints mother company filed a foreclosure complaint on XXXX. They put an abandoned/vacant notice on my neighbors home that had my address on it. They sent foreclosure documents to my exhusbands home with my name on them. My ex husband has never been on my loan or title, they sent paperwork to my mothers home in which shes been deceased for over 5 years and I havent live there in over XXXX. They never sent foreclosure paperwork to the home in question my home XXXX XXXX XXXX XXXX Ohio. 
On XXXX XXXX I was approved by the Ohio homeowners finance agency for the Rescue funds through the homeowners funding agency. New Rez LLC attorneys have accelerated the fees and have not halted the foreclosure proceedings and keep saying the forward the amount I have in default of {$10000.00} to the Ohio home Finance Agency who has confirmed to me they have not received any Response at all from Shellpoint.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC (CA)

Debt Showed up on my credit report from " RELIANT CAPITAL SOLUTIONS , LLC '' RE : a debt of XXXX that is owed to " XXXX XXXX XXXX XXXX  '' located in XXXX XXXX, Nevada. 
I have never lived, or visited Nevada in my life. I have never been to or enrolled in a school by the name given. 
I have always lived in California. I have worked in California at the same location for over 10 years at a place of employment that requires i be here in person. I could never have gone or lived in XXXX and continued to be employed here in California. 

I called the creditor on XX/XX/XXXX. They were able to tell me the account was open in XXXX of XXXX and on XX/XX/XXXX went to collections. They were not able to give me any other information as they could not verify i was indeed who i said i was. 

I spoke with XXXX and this account does show up on their end but again, never lived or been to XXXX XXXX. Never enrolled in the school mentioned. The debt is not mine. They opened a dispute and suggested i contact both CFPB and FTC.
Consumer complaint received 2024-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AE)

I have repeatedly tried to close my account with Venmo , LLC since XX/XX/XXXX. Per their terms and conditions, I have followed the account closing procedure and submitted account closure requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company has rejected my account closure requests despite complying with all terms and conditions and having no outstanding transactions or negative balance.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Improved Data Services LLC (CA)

On XX/XX/2020 I received a call from a company called Improved Data Services, LLC out of XXXX, NY. They claimed they were debt collectors for a debt owned by XXXX XXXX XXXX, which bought the debt from XXXX. 

The threated multiple times to sue me if I didn't pay and told me repeatedly the only way I could pay was to provide a card number over the phone. I asked them for something in writing I could send checks to or any other way to pay besides giving a card number on the phone and they said no, and said the company was going to sue me if I didn't pay. I then called the XXXX XXXX XXXX and nobody answered. I left a message noting the phone ca I had received and asking how I could pay. This company IDS or the one they supposedly represent never sent me anything in writing and I was not aware of this debt. This IDS was a bully and aggressive and theatening over the phone. They need to be shut down. When I asked them to send me something in writing, they aend me the attached, which could be from anyone.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (TX)

I have XXXX unauthorized transactions on my dasher direct account. dasher direct ( payfare international ) have told me XXXX times this morning on different calls that its apples fault that these charges are happening. 
when i call apple they say that it is not their problem to look into other banks transactions even though its through XXXX XXXX 

dasher direct ( payfare international ) has also told me to contact the merchant ( XXXX ) for a refund... XXXX has also told me that they do not see these XXXX transactions in their system with XXXX XXXX, they said they dont see these XXXX transactions transactions at all actually. 
i really need this resolved as for those funds are for my car note and i CAN NOT afford to pay NFS fees.