davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LCS FINANCIAL SERVICES CORPORATION (CA)

This is about an old forgiven and settled mortgages originated in XX/XX/XXXX by XXXX XXXX  XXXX XXXX XXXX In XXXX Owned originated a 1st loan at 80 % and a 2nd loan at 10 %, we put 10 % on this purchase loan. 

XXXX was the first lender seeking federal protection at the very beginning of the market crash. All its assets were purchased by XXXX who in turn later, after going bankrupt, sold them to XXXX  XXXX XXXX. All three companies got bailed out by the government and got billions of dollars in tax breaks. 

In XXXX XXXX  XXXX XXXX, the owner of both loans, in accordance to the " National Settlement Act of the Obama administration '' worked out a Loan Modification on the 1st loan and eliminated/got credit by Federal program the 2nd lien in XXXX with us. 

We were told then by XXXX  XXXX XXXX representative that the 2nd lien was " taken cared of ''. 

Everything was fine until around XXXX when a company by the name of Reliance reached out " claiming ownership of the 2nd lien ''. After presenting evidence of above arrangements with original owner of both liens, XXXX  XXXX XXXX, Reliance proposed a {$3000.00} " settlement '' because a lawsuit may be " costly ''. After their " threatening '' position, we send them the documents requested by them but never heard back from them. 

Now, seven years later, a new company by the name of LCS Financial Services Corp, reached out my Bankruptcy attorney claiming ownership of same 2nd lien. I responded with above facts and evidence and requested a QUALIFIED WRITTEN REQUEST on XX/XX/XXXX. I called them today XX/XX/XXXX and left a message. 

My concern is that these collection companies technique is to delay the process because sooner or later they will collect with their bogus techniques, just like Reliance they have not even acknowledged my correspondence. 

The person I email this request at LCS is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office : XXXX Direct : XXXX Fax : XXXX Email : XXXX Email : XXXX I would like your assistance to make sure they stop their collection efforts unless they bring the evidence of their claims in a timely manner according to Federal guidelines. 

Please call me at ( XXXX ) XXXX for further information. 

XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/2022, at XXXX, I received an email from Wells Fargo XXXX under the email address, XXXX. My email address is XXXX. This email message notified me that their was an application for a Wells Fargo Everyday Checking account on XX/XX/2022, submitted under my name XXXX XXXX. This application reference number is XXXX. I then received an email message from Wells Fargo, under the email address XXXX, on XX/XX/2022, at XXXX, with an access code- XXXX XXXX. A third email immediately followed the second email, and indicated that my application was approved for an account, an account that I did not create. I then received a fourth email, that reminded me to complete my enrollment. The fifth email I received from XXXX stated that my delivery preferences were updated for statements and notices for an account ending in XXXX. The sixth email I received was an email message notifying me that my email address was changed to XXXX. This email message also contained a number to call, XXXX, If you didn't make this request. Since I did not make this request, I called XXXX. This number is owned by Wells Fargo, as stated in the answering machine. After stating the reason for my call was for other reasons. I came in contact with XXXX XXXX XXXX at XXXX, at the Wells Fargo call center in XXXX XXXX XXXX XXXX who refused to help me deal with the unauthorized account access and creation. I then asked XXXX to speak to a supervisor. I was then transferred to XXXX XXXX at the XXXX, Idaho Wells Fargo call center, who also refused to help me. While on the phone with XXXX, I asked to file a complaint against her and XXXX both. She then provided me the complaint number XXXX. I find it absolutely astonishing that no one at Wells Fargo can help me lock my account, or prevent someone from fraudulently accessing my account. I filed a phishing complaint to their phishing email address. I provided them with my social security number, my birthdate, my phone number, my username, my email, the application number sent to my email, and the access code that was sent to my email, and Wells Fargo employees, XXXX and XXXX, both refused to help me. I am reporting this to you to have this fraudulent activity stopped stopped as soon as possible, before all of my personal information and/or financial resources are stolen. Thank you for your time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

Again reached out on XXXX about the account being past due. Again, another letter via their app which doesn't say if they are pulling the money or should I. I even screened shot the payment I want to make but there is a warning stating the payment is set for auto pay. If I pay it Mohela will still pull the payment.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Years ago I was married and we had a joint account at XXXX XXXX XXXX XXXX, it was a XXXX XXXX XXXX. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided XXXX XXXX the divorce agreement that included the order and they still continue to try to collect from me. XXXX is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my credit score. I don't know what else to do.
Consumer complaint received 2022-08-22
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. (MO)

This is XXXX XXXX submitting yet another CFPB complaint regarding the erroneous accounts reporting on my Credit report. I have been submitting CFPB complaints as well as send dispute letters requeseting for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (NV)

Hi, I was a member of BB & T Bank, but the bank was taken over by Truist Bank. 

A credit account named " Constant Credit '' was created without my knowledge by Truist Bank, with a credit line of {$500.00} last year ( XXXX ). 

I have paid these debts and fees as of XX/XX/XXXX. I have attached the credit reports via XXXX proving so. 

I am still receiving calls for debt collection and additional fees, and late fees. 

The payments shown on the XXXX credit reports also show I have overpaid the debt amount. 

Please help, XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2022-05-12
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: CMRE Financial Services, Inc. (TX)

I recently checked my credit report and noticed a few accounts I have no idea what they are or, why they are on my report. I sent a debt validation letter to CMRE, XXXX, XXXX, and XXXX on XXXX to validate the debt and send me some type of paperwork contract or something with my signature because I dont know what that debt is nor do I believe its my debt. XXXX updated my account said the debt was verified and updated a few errors so on XXXX I sent another letter to CMRE again asking for the debt to be validated and to delete it off my account and even after 60 days I havent received a letter of validation, HIPAA release form, or any form of communication from CMRE as if they are ignoring my request and acting as if they havent received it. On the same day I sent another letter to XXXX, XXXX, and XXXX asking to reinvestigate because I still dont know what that debt is and to delete it off my account. On XXXX XXXX sent me a email stating they can only verify and not validate. This is harming my credit score and can not get a reply from CMRE and would like for the collection to be DELETED due to inaccuracies, not my debt and failure to validate.
Consumer complaint received 2022-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

I have a HELOC with Bank of the West and have been unable to repay the HELOC due to an inability to transfer funds from an external bank account to Bank of the West. The external transfer process on Bank of the West 's website is completely blank. There is no ability to even try to initiate a transfer. Without this ability, I'm unable to paydown my HELOC and am incurring interest that I should not be responsible for as it's due to a failure by the bank to enable a paydown. 

I tried calling the bank on XX/XX/22 and was stuck on hold for over 2 hours with no response from the bank.
Consumer complaint received 2022-04-01
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: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

In correspondence with FCRA, XXXX and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

EQUIFAX has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )
Consumer complaint received 2024-10-22
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Assistance Inc (WA)

I was contacted by a female representative of Financial Assistance Inc. The woman was pushy and used the tone of her voice to try to convince me that I agreed to pay her or her company in 2019. She asked when I would start payments because my credit would be affected. I do not have a contract with this woman or her company, and I have had to block the number for calling at odd hours and either mumbling a message on voicemail, or just letting the call go to voicemail, and say nothing. I have mailed a certified letter to the company.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to consumer law, FCRA 1

5 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report. This is a federal unethical practice which can lead to a litigation according to 15 US Code S
1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Company : XXXX Account # XXXX Violation XXXX Uploaded original contract from XXXX that verified my terms, they refused to delete the inaccuracy. 

Violation XXXX Last reported does not match Transunion say XXXX & XXXX says XXXX Violation XXXX Date last active Transunion says XXXX & XXXX says XXXX I have proof of all the errors. 

Per IdentityQ a trusted source for all XXXX credit bureaus I have blacked out certain items because these credit companies will copy and paste from my investigation rather than doing their job in investigations and fulfilling the law of consumer reporting I even reached out to the Attorney General concerning this matter of unethical consumer practices with legitimate factual reporting of errors of this account. 

XXXX has deleted this account due to the inaccuracies.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2022 I called Bank of America ( BoA ) to close my online checking account ending in XXXX. I was told that I could not close the account unless it had a {$0.00} balance. I was further told that to bring my balance ( {$2000.00} ) to zero I needed to transfer the balance to another account. When I inquired about charges for doing so I was told that I was allowed 3 free transfers per month. When I tried to transfer the balance out of the Bank of America account I was presented with several options none of which being free! I then used the free transfer tool of the to bank ( XXXX ) to request the transfer. 
On XX/XX/2022 having checked that the balance had transferred, I called again BoA to close the account. I was told that I could not close the account as it now had a negative balance of - {$12.00} resulting from a low balance fee of {$12.00}! I said that I did not feel I should pay this fee as I had followed the instructions given to me on XX/XX/2022. I was told that the employee to whom I spoke would file a claim to have the {$12.00} fee waived and that I should hear about the claim within 3-4 business days. 
Having not had any communication from BoA I called again today XX/XX/2022. I was told that the claim had been denied. I asked for some proof that such a claim had been made and denied, I was told it was not possible and was given the option to talk to a manager which I chose. After hearing my explanations he told me that there was no claim process to waive a fee only a request could be made! When I asked him how I could have brought my balance to {$0.00} on XX/XX/XXXX he could not give me an answer. 
I feel this is a typical " catch 22 '' situation and that it would more honest if BoA called the fee an account closing fee. 
I do not intend to pay the fraudulent fee but would like to have the account closed.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IL)

I was giving provisional credits for XXXX on XX/XX/2022 by the bank for a dispute I filed on XX/XX/2022. Once giving the temporary funds my old card was disabled XX/XX/2022, only way to move funds were for me to enter a branch which 1 hour away from my home or use a member to member feature inside my mobile app. I went with the member to member feature to send funds out of my account in the amount of XXXX then XXXX another for XXXX and finally another transfer for XXXX to two other accounts, the next day my account was restricted and also the other members account was suspended as well. I see nothing I did wrong to deserve my account to be closed I been a loyal customer since day 1.