davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-03
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. (VA)

ON MY XXXX  XXXX XXXX XXXX ACCOUNT ACCOUNT NUMBER XXXX THERE WAS A PAYMENT MADE ON THIS ACCOUNT IN THE MONTH OF XXXX OF 2015 THE CAR WAS AUCTION OFF FOR THE AMOUNT OF {$4800.00} SO THERE SHOULD OF BEEN A PAYMENT MADE TO THIS ACCOUNT SHOWING LAST PAYMENT MADE WAS XXXX OF 2015 NOT XXXX OF 2015 XXXX  XXXX XXXX XXXX SEND ME THE PAPERWORK TO SHOW THAT THERE WAS A PAYMENT MADE ON THIS ACCOUNT CAN YOU PLEASE UPDATE THIS ACCOUNT SHOWING PAYMENT MADE FOR THE MONTH OF XXXX IT SHOWS NEG I GAVE THE CAR BACK AS VOLUNTARY SURRENDER SO IT SHOULD NOT BE SHOWING ANY NEGATIVE .FOR THAT MONTH. ON MY PERSONAL INFORMATION MY NAME IS XXXX XXXX OR XXXX XXXX  XXXX  THE NAME THAT IS LISTED ON MY CREDIT FILE XXXX XXXX  IS NOT MY NAME CAN YOU PLEASE REMOVE IF NOT PLEASE GIVE ME A REASON WHY. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX MY PREVIEW ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN YOU PLEASE REMOVE THE PO B OX ADDRESS XXXX XXXX VIRGINIA XXXX
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have disputing this account for years and experian keeps updating it as verified. I have contacted the company on numerous occains by mail and they never respond. The date of status is XX/XX/2015, the status is incorrect and most information on the account is not being reported. The account is XXXX  XXXX XXXX/ total card XXXX, please delete this because it can not be verified and experian has refused to provide me with method of verification after numerous requests
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MD)

Ex-wife opened account with XXXX cell phone company in early 2013 in my name for our usage. 

Got divorced in late 2013. 

I changed cell phone carriers from XXXX to XXXX in late 2013. 

Ex-wife did not pay her portion of XXXX cell phone bill. 

Made numerous attempts to collect money from ex-wife to pay XXXX cell phone bill with no success. 

Outstanding XXXX cell phone bill went to collections in amount of {$520.00} Made numerous attempts to reach out to collections agency ( Convergent Outsourcing Inc. ) to settle dispute with no success.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2020-02-13
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2020-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, someone hacked my online banking account of bank of america by first hacking my XXXX  account. Then the hacker changed the email address of one of my recipients to his own email address in XXXX transfer 's address book. The hacker used XXXX transfer to stole {$2800.00} out of my checking account. On XX/XX/2019, I found the issue and filed a fraud claim with bank of america. But after 10 days investigation, bank of america refused to honor the claim just because they think my account was accessed by consistent same device. After search my gmail activity, I found the hacker may even hack my computer and logged onto my boa 's account by using three different IPs. 
I tried to dispute with boa but boa claimed it may need another 45 days to do investigation again. As a customer, I feel very unsafe about my money in bank of america. And I am very disappointed with boa 's customer service. Many times, I was redirected between different boa 's departments without knowing the right person I can talk to. I feel boa does not care customer 's security and offer XXXX to customer without much care. 
When I search help online, I find I am not the only person suffering boa 's security service. XXXX XXXX   XXXX Many other persons are victims of unsafe XXXX  transfer service provided by bank of america .
Consumer complaint received 2020-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I identified a fraudulent credit inquiry on my Transunion report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. Transunion will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

EXPERIAN KEEPS VIOLATING THE LAW. ON MY CREDIT REPORT ( PROOF ATTACHED IN THE FORM OF AN ATTACHMENT ). SHOWS THAT THEY OPENED UP A DISPUTE TODAY XX/XX/2020 AND I DID NOT CALL THEM OR MAKE CONTACT WITH THEM TODAY. THEY ARE INCORRECTING DISPUTING ACCOUNTS AND PLACING FRAUDULENT STATEMENTS ON THE FOLLOWING ACCOUNTS AND IT IS MAKING IT DIFFICULT FOR ME TO GET A MORTGAGE. 

1. XXXX/XXXX  2. XXXX 3. XXXX XXXX ( TWO ACCOUNTS ) XXXX. XXXX/XXXX  5. XXXX XXXX 6. XXXX/XXXX  THESE ACCOUNTS WERE NEVER DISPUTED, THEY WERE NEVER QUESTIONED AND YET EXPERIAN KEEPS PLACING FAKE DISPUTE CODES AND REMARKS ON THESE ACCOUNTS TO MAKE ME LOOK BAD. THE BANK SEES IT AND SAYS WHY ARE THESE ACCOUNTS IN DISPUTE AND THEN I HAVE TO TELL THEM THAT I HAVE NOT DISPUTED THEM. 

WHY DOES THE CFPB ALLOW EXPERIAN TO KEEP DOING THIS. I AM SICK AND TIRED OF SEEING THIS STUFF ON MY ACCOUNT.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (VA)

I have recast our mortgage by paying {$100000.00} toward the principal ; reducing the principal from roughly XXXX to XXXX. The mortgage service provider - AmeriHome Mortgage - received the wired money on XXXX XXXX. I am having two issues with AmeriHome : 1. They want to charge {$250.00} for the mortgage recast. Before we refinanced our loan in late 2019, I was looking to recast our mortgage for the same amount down ( {$100000.00} ) with XXXX - our loan service provider. They were only going to charge {$50.00}. Given that that AmeriHome 's charge is 5x as much as XXXX, I find the the {$250.00} charge a penalty for early payment toward my mortgage. This goes against the loan agreement that I signed when refinancing the loan, as this is a penalty, not a service fee. I am happy to pay {$50.00}, as that seems reasonable, but it is not my responsibility to cover AmeriHome 's poor administrative operations that may require a 5x charge versus their competitor. I have contacted AmeriHome several times by email regarding this issue, and they have not responded favorably.

2. We have been trying to set up regular payment from my wife 's bank account for the new loan amount. However, AmeriHome 's website is not allowing us to set up they payment for what is stated in the contract. In fact, they are insisting on-line that we pay the old payment amount, which is about {$500.00} more monthly that the recasted amount. We have a contract that we will be notarizing to send to AmeriHome, that specifically states the amount that we are trying to set up for automatic payment. Upon speaking to an agent for AmeriHome, they said that they should have the amount corrected by the end of the week, but that we would only have a week to get it set up - by XX/XX/XXXX. Why does it take them 3 weeks ( from receipt of the XXXX ) to enter proper coding, but they only give us 1 week to set up payment? It looks like they are trying to make us fail in the payment.

I am having a hard time with AmeriHome as a customer. XXXX was so much superior to AmeriHome, and I wish they were handling our mortgage. AmeriHome is not customer friendly, they are usurious and they are going against the contractual agreement that we signed with our refinancing.
Consumer complaint received 2020-02-01
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. (VA)

This is an updated complaint to Complaint # XXXX. Equifax and XXXX  continue to report inaccurate information after their investigations. 

Confirmation # XXXX dated XX/XX/XXXX, from Equifax shows inaccurate information with XXXX XXXX XXXX for 2 accounts : Account # XXXX and account number XXXX. 
Account number XXXX has been changed to less than the true amount paid which was XXXX. It is now reduced to XXXX. 

Account # XXXX, this account should have closed XXXX my original request, payments were made on this account between XX/XX/XXXX and XX/XX/XXXX that are un accounted for with no explanation by the creditor, leaving the amount owing, dates of service and past due amounts-if any? both erroneous, tainted and proves no actual investigation done from either agency.
Consumer complaint received 2020-02-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (NM)

For 2 months this company has been calling me, my ex husband, a friend, my mom, and my little brothers, They have threatened me and my family saying that I have commited fraud and that if I dont pay them {$1300.00} I can be sued and arrested. The amount that they are charging me is not the amount that I owe and they are telling me it's because there are fees now but dont go into detail. The last conversation I had with them was today at XXXX and the man that spoke to me said since this is not my priority to just deal with the legal matters and hung up on me. But before this conversation today he called my youngest brother and a friend of the family and scared them.
Consumer complaint received 2020-02-13
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (NH)

Sallie Mae has called me over a dozen times in the past 6 months trying to get a hold of my son. He owes them money, not me. I am not on the loan in any way, nor am I a cosigner. They are not only contacting me they are contacting all my relatives as well who do not even know how to get a hold of my son. I have asked them repeatedly to stop calling me or anyone in my family. The only people they should be contacting is my son or his mother who did cosign the loan. I have given them both my sons and ex-wife 's contact information, but since they are not responding they keep calling me. There is nothing I can do for them and even though I have asked for them to stop calling me they continue to do so. This is harassment at this point. There is nothing I can do for them. 
They called me XX/XX/XXXX, XX/XX/XXXX and just again now on the XX/XX/XXXX. I have blocked their # however it allows it to still go to voicemail. They have used different # 's in the past as well to get around the fact I have blocked them.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCE CORPORATION (VA)

I CONTACT XXXX BY PHONE TO INFORM THEM ABOUT ABOUT THERE WAS SOME INQUIRY ON MY CREDIT REPORT THAT I DIDNT AUTHORIZED. I THEN CONTACT THE CREDITOR ABOUT AND I COULDNT GET THROUGH ON THE PHONE. I SENT LETTERS TO THESE CREDITOR ABOUT AND NOTHING. I NEVER AUTHORIZED ONE MAIN FINANCIAL ON XX/XX/ 2019 TO RUN MY CREDIT. I DIDNT NOT SIGN AND DOCUMENTS WITH MY NAME ON IT. XXXX XXXX XXXX XXXX WHICH WAS XX/XX/ 2019 I DIDNT AUTHORIZE THEM TO RUN MY CREDIT REPORT AT ALL. TO XXXX ONE MAIN FINANCIAL AND XXXX XXXX XXXX XXXX THIS IS TO CEASE YOUR AUTHORIZATION ON MY CREDIT REPORT. TO MY KNOWLEDGE I HAVE NOT SIGN ANY DOCUMENTS AUTHORIZING YOUR ORGANIZATION TO VIEW MY CREDIT HISTORY THEREFORE YOUR INQUIRES INTO MY CREDIT REPORT VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 1681B I REQUESTED THIS TO BE REMOVED OFF OF MY CREDIT REPORT IMMEDIATELLY
Consumer complaint received 2020-02-01
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: Experian Information Solutions Inc. (GA)

Experian report number : XXXX Experian has violated my rights under the FCRA. 
I filed a dispute with Experian to dispute an erroneous entry by XXXX XXXX XXXX in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and Experian removed it in XX/XX/XXXX. 
It was then purchased by XXXX XXXX XXXX. 

I received electronic notification yesterday from Experian that the dispute was rejected. 
Experian failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by XXXX XXXX XXXX detailing why this dispute was was rejected. 

Experian advertises a site to upload additional information supporting a dispute. It doe not allow Word or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to Experian : XXXX XXXX XXXX has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my Experian report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it from my credit report.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I paid CASH with Electronic Funds to CHASE Visa {$5500.00}. This cash was credited to my account the previous day ( Approx $ 30,000+ from mutual funds sale w/help from XXXX XXXX credited XX/XX/XXXX. ). Per XXXX at Chase Visa today, XX/XX/XXXX ( supervisor XXXX refused call ) did not received the {$5500.00} until XX/XX/XXXX, credited XX/XX/XXXX, reversed {$5500.00} as Stop Payment XX/XX/XXXX. I continue to receive mail from Chase Fraud Dept as though I HAVE COMMITTED SOME KIND OF FRAUD!!!!! 
I HAVE ABSOLUTELY NOT!!!!!! I am simply trying to GET OUT OF DEBT!!!!! What is wrong with this bank?!? This all started on XX/XX/XXXX, when a Chase loan officer could not be honest w/me nor apologize for his human mistake! And here I AM PAYING FOR IT STILL!! I will be talking to my attorney on Monday as I am near my wits end & I have absolutely no idea what to do!!!!!!!!! I am sure when I log into my account, I will be overdrawn & CHASE will probably tell me I OWE THEM {$5500.00}!!!!!!!!
Consumer complaint received 2020-02-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

WE ARE BEING THREATENED WITH FORECLOSURE AS OF XX/XX/2020. THE HISTORY OF PROBLEMS WITH SPECIALIZED LOAN SERVICING CAN BE FOUND HERE WITH CFPB. 
WE HAVE NUMEROUS TIMES REQUESTED TO SEE OR GO TO LOCATION TO VIEW THE ORIGINAL LOAN DOCUMENT THAT SLS SAYS IS BEING KEPT BY A CUSTODIAN AND REFUSES TO NAME CUSTODIAN. 
WE REQUESTED A NOTARIZED OR CERTIFIED COPY AND WE ARE REFUSED THAT TOO. DURING THIS TIME A FORGED HOME EQUITY CREDIT LINE AGREEMENT AND DISCLOSURE STATEMENT WAS CREATED BY SLS FOR THE PURPOSE OF FRAUDULENT ACTS AGAINST US. AN EMPLOYEE PROVIDED A COPY OF THE FILE BEFORE IT WAS COMPLETED THAT SHOWS THE FILE PRIOR TO THE FINISHED MERGER OF LAYERS AFTER THE RUBBER STAMP IMAGE WAS INSERTED. WE HAVE ASKED FOR AN ATTORNEY TO CONTACT US FROM  SLS AND THEY REFUSE. WE CONTACTED AN ATTORNEY LISTED BY THE STATE OF COLORADO AS WITH SLS AND HE DID NOT CONTACT US AS WELL. 
WE HAVE OTHER EVIDENCE TO SUPPORT THE ACCUSATIONS OF FRAUD.
Consumer complaint received 2020-02-03
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. (OH)

Experian is reporting late payments on 5 student loan accounts ( XXXX ) from XX/XX/XXXX thru XX/XX/XXXX. However, the accounts were in deferment status during these dates. Evidence has been provided to Experian, which disclose the terms of XXXX for deferment. The terms clearly state that deferment will start on the later of the " Deferment date requested '' or " date person is eligible for deferment ''. Note that the deferment date requested was XX/XX/XXXX and I have met criteria to be eligible for deferment due to economic hardship, my entire adult life, based on low income. See enclosed documentation as evidence. In addition, Experian should be aware that the United States of America and the Consumer Financial Protection Bureau has sued Navient for violating the Fair Credit Reporting Act, which is public knowledge. This type of false reporting is exactly what is listed in the lawsuit.
Consumer complaint received 2020-02-01
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. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2019-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells fargo is threatening to close my account because I deposited a small amount of money into a new account with them. 

They say they dont believe the checks wills clear although one already has cleared and the rest are pending because its a weekend. I feel this is discrimination.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.