davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (CA)

My mother received several suspicious calls from someone from " XXXX '' regarding a case and requested my mother call " XXXX ''. After several calls to my mother, I finally called the number and was told the company was XXXX XXXX XXXX. My mother apparently had closed a Wellsfargo account in XX/XX/XXXX/XX/XX/XXXXwith a negative balance, and they were collecting debt which was around {$1300.00}. They said they were trying to serve her with papers and was going to take her to civil court unless we would settle. They gave two options, one time payment of {$530.00} or installation payments. We chose the former. I paid my mom 's balance using my credit card, and was directed to make an electronic signature.  They then emailed me a form releasing liability from the debt and that it was paid in full ... The address on their letterhead is not a valid address of a debt collection agency. They are also linked to another company XXXX XXXX, whose address is linked to a company that sells LUMBER! Nothing to do with debt collection.

I felt it was suspicious and pulled my moms credit report, and there was nothing about debt owed to Wellsfargo. I called Wellsfargo and was also told there was no outstanding balance and that the call was a scam. I attempted to call my credit card company but was told they could not stop the pending payment.

This is a sophisticated scamming company that tries to con you of money under the guise of debt collection, and even go so far as to get your signature to authorize payment.
Consumer complaint received 2020-10-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Dear CFPB, Please find my complaint against XXXX XXXX XXXX XXXX XXXX and PennyMac Loan Servicing LLC I respectfully demand XXXX XXXX XXXX, XXXX to identify the SELLER of my loan to PennyMac and copies of all releases of liens ( 1 ) by XXXX or someone else ( XXXX XXXX? ) to XXXX XXXX XXXX XXXX ( who purportedly SOLD my loan to someone ) ; and from PennyMac who purportedly PURCHASED my loan from someone. 

Releases of prior liens MUST be filed with VA after EACH sale. 

XXXX responded to my prior requests and ALWAYS said that they only transferred servicing to PennyMac. 

PennyMac ALWAYS claim that they PURCHASED my loan from someone. When I ask who sold my loan to PennyMac neither  XXXX or PennyMac are able to respond.

Servicing transfer and SALE of the loan are totally different procedures. 

IF PennyMac actually purchased my loan, here must be a Seller who had rights to sell my loan.

This Seller MUST receive a release of lien from PennyMac.

Please identify the SELLER of my loan to PennyMac and provide me copies of releases of liens by prior owners of my debt ( if any ) I am entitled to have this information ; and it must be filed with  XXXX XXXX after EACH sale. PennyMac never provided me any disclosures who was the Seller or any prove of their " ownership '' of my loan.

Again, please provide me a copy of release of my lien from PennyMac to the Seller who SOLD my loan to PennyMac.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (CA)

My debt to Citi Cards CBNA in the amounts of {$5700.00} and {$3900.00} were discharged in Chapter XXXX Bankruptcy Court on XX/XX/2018 case # XXXX. I have tried unsuccessfully to have this matter corrected by reaching out to Citi Cards with supporting documents that I will also attach to this complaint. Citi Card did not contest this discharge so this should not show as charged off or owed
Consumer complaint received 2020-10-14
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. (GA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting an erroneous debt on my credit report that I do not owe. This debt is really old. Not only is it past the statute of limitation, but it's also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit report.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NY)

Refinance loan not closed after 75 days. Applied for and started my refinance loan process with Amerisave on XX/XX/XXXX. Clean file with excellent credit and was told should close within 30 days. Appraisal was done 7-10 days after application was submitted. Asked for an update at the 5 week mark ( XX/XX/XXXX ) hoping to get a closing date and I was told that loans are taking 60 days to close but my file is gettng closer to closing and I should expect closing to happen by end of XXXX. A week later a got a call from another loan officer, informing that my loan officer has resigned and new loan officer will be taking over my file. The new loan officer made multiple changes - reduced cashout percentage, increased rate etc. I agreed as changes  were not that significant. This was XX/XX/XXXX, almost 50 day mark and I asked for an update and was told that its awaiting to be assigned to an underwriter which contradicted previous loan officer 's statement from XX/XX/XXXX that my loan was getting closer to closing. 
I have emailed everyday but have not gotten a definitive answer on when my loan will be closed. All I hear is you are in queue. I have been in queue for last 75 days without having conditional approval from underwriter Anytime I ask for an update I get the standard response of " hello yes, soon, hold tight, we will get you closed soon. Absolutely unacceptable! I've done numerous mortgages none of which has ever taken more than 60 days.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

XXXX is reporting first date of delinquently incorrectly they keep changing the dates they would update account to correct date of first delinquency which is XX/XX/XXXX. They are now reporting the first date of delinquents is XX/XX/XXXX which is totally incorrect please correct and update my account information I have dudkyrdd this with all of the major credit beru s with no remedy Car loan account was opened XX/XX/XXXX I made my first late payment on XX/XX/XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (GA)

I have filed numerous dispute against the company tell him I dont owe them nothing I dont know who they are they got the wrong information on there in the wrong mail and they even shown thoughts information to the list XXXX XXXX this is been going on since XXXX and finally on thanking and I are sharing the investigators finally busted them in their lies and XXXX and XXXX but yeah its still on my XXXX  and my XXXX  credit report and XXXX credit report they cost me to lose a lot of loans cost me higher interest rates I lost a lot of money whenever I tried to borrow money XXXX pay higher interest rate because of them I believe they owe me a lot of money like I said this is been going on since XXXX and here it is XXXX and I wont conversationFor aggravation deformation of character and use mental anguish for a damage they have done to my reports my credit and was messed up cause of them
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (AZ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Experian, There are two phone numbers listed on my credit report that do not belong to me. Please remove the following phone numbers from my credit file : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Thank you.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

See attached Comments and Exhibits. 

XXXX XXXX XXXX XXXX ( XXXX XXXX '' ) reported a medical collection associated with XXXX XXXX to Experian XXXX XXXX and XXXX on XX/XX/XXXX wherein XXXX XXXX claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that XXXX XXXX XXXX claim is both inaccurate and false. 

Upon filing a dispute with Experian on XX/XX/XXXX, an investigation was conducted ; however, XXXX XXXX CERTIFIED to Experian that the information in the collection was accurate and Experian made no change ( s ) to my credit report. 

On XX/XX/XXXX, I contested the dispute findings electronically and attached XXXX XXXX XXXX XXXX  page of comments and XXXX ( XXXX ) pages of exhibits. 

In response, Experian informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going. 

Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I purchased a variable annuity through my bank, Citizens Bank, from an insurance company called XXXX XXXX. This was in a rollover IRA account and the amount was {$100000.00}, the date of the investment was XX/XX/2020. My application stated that the annuity would track the XXXX XXXX XXXX XXXX index for 6 years, with a 20 % buffer and an 85 % performance cap rate. 

When I received my contract, mailed on XX/XX/2020, it showed the cap rate to be lower, at 75 %. I called the bank immediately and they said they would look into it. 

I received a call 2 weeks later saying that the rate had changed since I applied, and the bank representative admitted that it was his error that I was not informed of the rate change. He was apologetic but said it was too late to change anything.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2022-07-13
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00}
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX XXXX Again, this is NOT A DISPUTE.
Consumer complaint received 2023-09-21
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-05-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (WI)

I opted out of receiving prescreened offers to refinance my mortgage immediately after I got it in XX/XX/2019. Multiple companies continued to send me their offers, however most stopped after I contacted them directly and told them to stop. Clear Path Lending has continued to send me promotional material, including 2 letters in one day today, despite multiple attempts to make them stop.
Consumer complaint received 2023-09-21
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (TX)

Hello, The bank doesnt have the option to block my card or all my transaction in case my card information is stolen. This is a very concern security issue. Also, customer services is really bad and trying to blame the customer instead of fixing the issue