davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me.
Consumer complaint received 2020-04-24
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. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that I never open and several bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 Bank of America closed my oldest credit card account ( of 13 years ). This has caused my credit score to take a hit specially because the credit limit was very high and the card carried a {$0.00} balance. 

On my credit report, it says that the credit card was closed at the customers request. I never requested one of my oldest cards to be closed. In addition, I contacted BofA by phone on Saturday, XX/XX/XXXX and then a manager reached out to me on Monday, XX/XX/XXXX. Both times, the customer service rep COULD NOT re-instate the card that they closed.
Consumer complaint received 2020-04-24
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2021-03-04
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 ()

PayPal closed my account on XX/XX/2021 for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them I tried restoring my account by giving them my information they asked for but still they don't lift my account from limitation but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION (TX)

In XX/XX/XXXX, my XXXX XXXX bankruptcy case ( XXXX XXXX. XXXX ) was XXXX by the United States Bankruptcy XXXX for XXXX XXXX XXXX XXXX Georgia XXXX This discharge included all debts owed to Pentagon Federal Credit Union ( PenFed ), legally releasing me from any liability for these debts under 11 U.S.C. 524 ( a ). 

In XXXX, despite the discharge order, PenFed sold one of the discharged debts to XXXX XXXX, a third-party entity. The sale of a discharged debt is a clear violation of federal bankruptcy law, which prohibits creditors from transferring, selling, or enforcing dischargeXXXX debts in any manner. 

Furthermore, PenFed has restricted my ability to establish an account with them, requiring me to " take care of the balance '' with XXXXXXXX XXXX before I can open an account. This restriction constitutes an indirect attempt to enforce the discharged debt, which also violates the discharge injunction.

Actions Taken by the Company : PenFed sold the discharged debt to XXXX XXXX in XXXX, contrary to the protections provided under bankruptcy law. 
PenFed refused to allow me to open a new account unless the balance was resolved with XXXX XXXX, indirectly attempting to enforce a discharged debt.

Actions Taken by Me : I notified PenFed that the debt was discharged in my bankruptcy and provided supporting documentation, including the bankruptcy discharge order.

I requested that PenFed lift the restriction on opening an account and confirm the debt was no longer enforceable.

I informed them that selling or transferring a discharged debt violates 11 U.S.C. 524 ( a ).

Despite these efforts, PenFed has not resolved the issue, and their unlawful actions continue to cause stress and inconvenience. I seek immediate corrective action to address these violations.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

My HOA foreclosed on my condo for nonpayment of HOA fee 's This was a 3rd position lien with Wells Fargo having the 1st and 2nd. I stopped paying them because they refused to fix a leak which lead to XXXX  XXXX XXXX and a 10 day stay in the hospital. But that is not important but what happened next is why I need your help. 

My Condo sold at auction on XX/XX/XXXX. 
Wells Fargo started reporting to the Credit Agencies Late payments After the sale of my condo. See Below. I have contacted Wells Fargo over 100 times and contacted every Government Agency and nobody will help me. 
I have not owned the condo since XX/XX/XXXX. I can not live in it, I can not rent it, I can not sell it e I no longer OWN it so why is Wells Fargo letting a person I do not know to use MY loan and access it as their own? The auction winner had to get information regarding my loan because they paid the exact amount in XX/XX/XXXX to keep the property from foreclosing and never paid on it again. 

The Auction Winner SOLD the Condo in XX/XX/XXXX and pay off the mortgage but the damage is already done. My credit went from XXXX to XXXX and I can't even rent a refrigerator box to put on the street. 

I have asked Wells Fargo to please send me : The messages that they deleted from my Wells Fargo Secure login in their site. Requested 7 times because this shows ALL the emails I sent them to resolve this issue. I was told " The new owner has a right to protect their asset '' REALLY? So they own it but I still have to pay the mortgage. 
I asked that they send my original contract last year. Still waiting I asked if I could give back the Condo that I had over {$100000.00} in equity in. They said NO I asked if they could foreclose on the Condo to stop the hemorrhage of my good credit. They said NO I have sent XXXX XXXX of Wells Fargo over 100 emails and she still will not answer this one question. 

Why did you start reporting late payments after my Condo was sold auction on XX/XX/XXXX, and allow a third person to access and abuse my loan with Wells Fargo? 
I started complaining when XXXX XXXX notified me that I missed a payment in XX/XX/XXXX. I believe the auction winner was supposed to secure financing and pay off the 1st and 2nd liens within the 90 days after the purchase. That would explain why they did not report the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were waiting to be paid by the auction winner and when they were not Paid they came back on me and told me I still had to pay it.
Consumer complaint received 2022-10-15
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. (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MD)

On XX/XX/XXXX I saw I had an account on my credit report that I was unsure of for XXXX XXXX in West Virginia. I never lived in West Virginia as an adult so I contacted them. They told me the service for utilities was provided to XXXX XXXX XXXX, XXXX, West Virginia from XXXX of XXXX through approx. XXXX of XXXX. On XX/XX/XXXX, I provided pay stubs and W-2 for that time period that showed my address in XXXX. They refused to take the debt out of my name and asked for payment. I contacted the collection agency IC Systems at XXXX and spoke with XXXX, on XX/XX/XXXX, who told me in order to classify this debt as fraud I needed a police report from my state. I contacted Northern District in XXXX XXXX XXXX, Maryland and they directed my to this website to file my report, on XX/XX/XXXX.
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (TX)

Applied with the lender in XXXX. They didnt start working on the application until XXXX. We finally scheduled the closing and While I was closing signing the legal binding docs, the lender called and said stop signing. I was told the loan could not close. I was told that my uncle who was a co-signer has something come up on XXXX. I was wondering how did this just come up and we were set to close. This was not on my loan approval as an item. Then my dad who is an XXXX  XXXX helped restructured the loan to remove my uncle, payoff debts. We kept my aunt on the loan an got an XXXX accept. So we spent another week trying to get the additional payoffs, documents and was told today that I didnt meant residual. The loan was approved eligible. Why would residual be an issue? My dad was paying all the closing cost so the funds in my account were for residual. My aunt and uncle had liquid reserves as well not to mention his additional $ XXXX to help me with the payment. I feel like they discriminated against me because I am XXXX years old trying to buy my first home. My credit is in the 700 and my income dropped slightly because of CORVID. I dont understand I saved my money and wanted to get my first house instead of renting. I wanted to build wealth but this company gave me the run around to disappoint me from the American dream that from my understanding is not a reason to deny me. They are simply a bad company with no ethics and violated my rights. I signed legal documents!
Consumer complaint received 2020-04-06
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (HI)

Two ( 2 ) FedLoans were opened under XXXX XXXX who used my information as a co-signer. I am an XXXX XXXX XXXX XXXX member and all my education has been through my benefits within the military using Tuition assistance and I have never applied with FedLoans for money or to help pay with my schooling. To my understanding the loans were opened sometime in XX/XX/XXXX, however, FedLoan states that their records reflect that I am listed as the cosigner on Mr. XXXX two ( 2 ) Direct Graduate/Student PLUS ( DLPLGB ) Loans disbursed on XX/XX/XXXX ( Loan Sequence 2 ) and XX/XX/XXXX ( Loan Sequence 4 ). Effective XX/XX/XXXX, the loans transferred to FedLoan Servicing to administer on behalf of the Department. The records indicate that my request for loan discharge due to forgery/Identity Theft was incomplete. 

There is no way my request can be completed as I do not know any of the information that FedLoan is asking for because I did not apply for this loan. How would I know this?

Furthermore, I provided FedLoan original documentation of my report filed with the XXXX Police Department. Therefore, it is impossible for me to provide them another original. If FedLoans did a full investigation they would hav called the XXXX Police Department at ( XXXX ) XXXX and would have concluded that I did, in fact, file a poIice report and I can only provide the copy BECAUSE FEDLOANS HAS THE ORIGINAL, and will provide a copy AGAIN to this report and FedLoan can call the police department to confirm that this has been filed.

Additionally, I have filed a dispute with all 3 major credit bureaus as well as FedLoans ( WITH ALL ORIGINAL COPIES ). I will also seek legal action if I am not removed from these loans.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

I have a car loan from NISSAN MOTOR ACCEPTANC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NISSAN MOTOR ACCEPTANC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NISSAN MOTOR ACCEPTANC with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (OH)

I received a phone call on XX/XX/XXXX from someone claiming to be from the CBE Group attempting to collect a debt of {$140.00} owed by my wife to her doctor for a visit in XX/XX/XXXX. The caller sounded like an midwestern American female in her 20 's or 30 's. The caller accurately identified the name of my wife 's doctor and the date of her last appointment. I told the caller I wasn't willing to pay until looking into the matter further, and requested a callback number. The number provided was XXXX. I then called my wife 's doctor. The doctor 's office advised that their record 's don't show any debts owed or any report to a debt collector, meaning the call was a scam. I called the scammer back at the number above and was connected to computer voice menu claiming to be the CBE Group. The computer said it didn't recognize my phone number but that it could locate my file if I provided my social security number. I hung up without saying anything.
Consumer complaint received 2022-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There is a problem with my Equifax credit score that I do not understand. My FICO score has fluctuated from XXXX in XXXX, to XXXX in XXXX, and in XXXX it dropped to XXXX. This does not seem right. I called Equifax and spoke to a XXXX. He told me that the reason it went down was because the balance on my XXXX  XXXX XXXX credit card, and XXXX card is over 50 % of my credit limit. This would be plausible had I just made the balance transfers in the past few months, but this is not the case. I made the two balance transfers last year, and my credit score has consistently been in the XXXX range, with the exception of XXXX, 2022. This is because a credit card company erroneously reported that I made two late payments, but I contacted them and they corrected the issue by sending the credit reporting agencies correct information. My credit score, then went up to XXXX in XXXX, and XXXX in XXXX, but in XXXX, my score dropped a whopping XXXX points! There is no viable explanation for this. 

After speaking to XXXX at Equifax, I lost confidence that he would be able to help me. He told me there is no time frame when Equifax will recalculate my credit score. In my mind, it told me that I could be waiting indefinitely for the matter to be resolved by Equifax, so I decided it was best to file a dispute with CFPB because at least with CFPB there is a 30 day time frame in which Equifax has to respond. 

The only negative factors that could have contributed to a drop in my credit score points might have been a change of address that I made in XXXX, 2022, and a credit card I applied for in XXXX, 2022. I should mention that my credit score had dropped already before I applied for the credit card in XXXX, 2022 so the credit card I applied for was most likely not a negative factor contributing to the huge drop in my Equifax credit rating. Other than that, I have been paying my bills 100 % of the time. 

My concern is basically that the huge drop in my credit score is what ruined my chance to get a credit line increase for a 0 % promo balance transfer I needed. 

I attached my credit score, and my credit score history so you can see that it has always been on the high level, until the huge erroneous drop of XXXX points in XXXX.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

My mortgage lender has my flood insurance as part of my loan paid through my Escrow Account. They did not pay my flood Policy timely, and when they finally paid it late the issued the payment to the wrong carrier and sent to the wrong address. This has caused my policy to be canceled and the Flood Insurance will not reinstate my Policy. My agent now has to issue a new Policy which has a 30 day waiting period and the cost has increased from {$650.00} to {$1800.00}. They lender will not expedite the payment and they have left me with no insurance coverage on my home. They tell me today they will place a lender forced policy in about 45 days which the letter from them states it only covers the dwelling, it does not cover our personal belongings or cost of temporary living outside should we have damages. I have been without insurance coverage since XX/XX/22 we live in a flood zone, less than XXXX mile from the ocean and XXXX blocks from the inter-coastal. They are telling me that this can not be expedited even through they have admitted fault. They tell me should something happen between now and 45 days to call them and then they will place insurance they REFUSE to provide me with any written documentation. I am very concerned considering we are still in Hurricane Season especially what has just happened with XXXX XXXX to be without proper insurance coverage to protect my home and family.
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (MI)

Complaint and XXXX  to JP Morgan Chase re their payment for home insurance policy in XX/XX/2022 XXXX JP Morgan Chase must explain under which authority they made payment of my home insurance in XX/XX/2022 if JP Morgan is not a mortgagee. 

JPMorgan must provide XXXX the name and contact information of of a responsible individual who made this payment ; and the name and contact information of a responsible individual who authorized JP Morgan to make this payment.
Consumer complaint received 2022-01-28
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. (FL)

I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Consumer complaint received 2019-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to XXXX XXXX XXXX XXXX XXXX asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I've sent over the facts disputing the records of inaccuracies to all 3 bureaus and they are just reporting back that it's verified with ABSOLUTE XXXX verification or documents. According, to the FCRA, any verification should be supported by documentation. The adverse accounts have not been removed and it's hendering my financial life.