davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I refinanced with Freedom Mortgage starting in XX/XX/XXXX. On XX/XX/XXXX, I submitted a letter to Freedom Mortgage from XXXX XXXX Appraisal District stating that I am exempt from Property Taxes effective XX/XX/XXXX due to me being 100 % service-connected veteran. I live in XXXX XXXX and also pay taxes for XXXX XXXX ( school taxes ). Both counties have me exempt and my property ID is the same for both counties. When I contacted Freedom Mortgage after sending the letter I was told it would be effective XX/XX/XXXX and I would see a change then. On XX/XX/XXXX I contacted Freedom Mortgage to notify them that I was still paying property taxes beyond XX/XX/XXXX ( which should be the only month ). I did receive a refund check sometime during XXXX for approximately {$1700.00}, but still continued to pay my full mortgage with property taxes. When I contacted Freedom Mortgage on XXXX XX/XX/XXXX ( I spoke with XXXX in customer service and XXXX in the Property Tax Division ), I was told I was only getting a partial exemption and not a full because they had just paid approximately {$900.00} plus dollars to the two counties for my properties taxes. Where is the other monies that I paid? I was told an Escrow Analysis would be done with a completion date of XXXX XX/XX/XXXX, but one was not done. I proceeded to call again on the XXXX XX/XX/XXXX, speaking with XXXX ( ID number XXXX ) and told that an escrow analysis was not done, but that she would submit one. I also spoke with XXXX in the Property Tax Division. I told XXXX it shouldn't be this hard to get my account taken care of. She said Unfortunately it is.My husband proceeded to call after the XXXX and was also told something was being done. Nothing again. I called ad spoke with XXXX from Customer Service asking how I can get my property taxes removed from my Escrow and she stated that I would have to wait a year since its a VA loan before it could be removed. I called on XXXX XXXX and asked to speak to a manager. I was put on the phone with XXXX in the Property Tax Division. She stated that my letter stating that I am 100 % exempt from property taxes and she said that letter wasn't good enough that I would need a letter from both counties saying that I'm paying {$0.00} dollars. I called XXXX XXXX and they stated that they don't write letters like that only that a veteran is 100 % and exempt from property taxes. XXXX XXXX is sending me a letter even though its the same property ID. I called back to the Freedom Mortgage Company to let them know what the counties said. I spoke with XXXX in the Property Tax Department. She said a case would be reopened and that Freedom Mortgage researchers would contact the two property tax offices to verify my tax exemption status and would be complete by XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

PennyMac has lied, I asked for copies of the documents they mailed to me and I havent received them. They also need to address why they didnt pay the same policy that I have had for the past three or four years with the primary policy holder being XXXX XXXX this issue hasnt happened previously and now you want to force place me! I demand my insurance with my prefer carrier be reinstated and you remove your fees!
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (OH)

I have a joint checking and savings account at US Bank with my daughter. Both our names are on the account. I have a Visa credit card attached to the account as well. I have never missed a monthly payment. My daughter downloaded the US Bank app and made a {$2000.00} payment on XX/XX/2022 to the credit card balance by utilizing the " link bank account '' option which connected her XXXX account and submitted the payment to be applied to the card balance. Another payment of {$1000.00} was submitted on XX/XX/XXXX via the US Bank app to the Visa credit card account the same way, via the linked account. These were payments made in addition to my regular monthly payments. 
On XX/XX/2022 I received a letter from US Bank ( dated XX/XX/2022 ) stating that they had closed my credit card account effectively immediately. 
Their reason : " we are unable to determine that you are the owner and/or authorized agent for a Demand Deposit Account ( XXXX ) being used to facilitate payments to this account '' and " No further use of your card will be permitted effective immediately ''
Consumer complaint received 2019-01-12
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. (KS)

I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I am requesting a full refund on the {$8000.00} I paid in XXXX subsidized federal student loans during the period XX/XX/XXXX - XX/XX/XXXX. I paid this amount in XXXX increments of {$2000.00} during this XXXX period to my original loan servicer, Cornerstone Loans. I attempted to contact Cornerstone Loans, however, all of their information is defunct as the company has completely shut down as of the end of XXXX. According to the information on my studentaid.gov dashboard and email confirmation from the U.S. Dept of Education, my loan information was successfully transferred to FedLoan Servicing ( PHEAA ) as of XX/XX/XXXX, and FedLoan is my current servicer.

I made a call to FedLoan on XX/XX/XXXX to request information on my federal subsidized student loan refund. However, the customer service representative was not able to find my information in the system nor provide me with an alternative solution/resources despite elevating the issue to their supervisor. Please note that I did not make any loan repayments to Fedloan Servicing, as my loan was fully paid off to Cornerstone prior to the transfer from Cornerstone to Fedloan Servicing. I was later informed by external sources that Fedloan Servicing should have my loan information on file, but in the Cornerstone conversion files, which the customer service agent was not able to assist with during the time of the call. 

I submitted a complaint last night ( XX/XX/XXXX ) to FSA Student Aid, however, I received a response today ( XX/XX/XXXX ) at XXXX XXXX  XXXX saying that they are unable to perform loan servicing requests and that I would have to contact my loan servicing provider. 

I called on XX/XX/XXXX at XXXXXXXX XXXX XXXX and spoke to a customer service representative. Because my information was not found in the system ( again ), she recommended I call the Department of Treasury because they're the ones who will issue the refund. However, the loan refund has to be processed with my loan servicing agent, which is FedLoans. I was placed on hold when I asked to speak to their supervisor to retrieve the Cornerstone conversion files. The call then hung up after XXXX minutes on hold and again, I did not receive a solution to my concern.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Best Service Co.,Inc (CO)

In XX/XX/2022, a collection letter was sent to me from Best Service. I sent a certified letter in response asking them to validate this money they alleged I owe. In XX/XX/2022, they sent a letter back basically saying " they've decided I owe this money, and have no reason not to pay it. '' However, they have not provided any documentation showing what the charges are for, any agreement with my signature or the original creditors. I responded back also in XX/XX/2022 with a cease and desist for failing to validate. They are still reporting on my credit and yet has sent me any reason that I owe this money. 

I've included copies of all letters sent and received. As well as a copy of my credit report.
Consumer complaint received 2022-09-20
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, I noticed that TRANSUNION, has an incorrect collection on my report about an old medical bill I paid. XXXX, is somehow using my identity and a medical bill, fraudulently sent to them by an angry medical clerk, whom refused to honor the secondary insurance, but insist I paid her over the phone. She threatened collections. I have  PAY TWICE, to avoid her threats I kept receipts from XXXX  to XXXX. This collection should have never been reported to TRANSUNION, and XXXX immediately removed this peculiar $XXXX  collection, that was paid.Transunion has lowered my score to XXXX, and reported this score to XXXX, and hurt my credit ratings. XXXX has my score well over 680.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only XXXX ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.
Consumer complaint received 2020-11-02
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: EQUIFAX, INC. (NY)

Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Letter dated XX/XX/2021 Sent by WELLS FARGO Wells Fargo conducted a review of info to XXXX. Through that investigation, it was determined that information Wells Fargo reported to XXXX was INADVERTENTLY AND ERRONEOUSLY reported as MY ACCOUNT. 

I am a recent widow, on Permanent XXXX and due to my XXXX XXXX XXXX, have lost my home and vehicle. 
I am desperately applying for apartments for myself and believe fervently that WELLS FARGO 'S reporting has largely impacted my ability to be approved! 

***WELLS FARGO REPORTED AN OVERSTATEMENT OF MY PERSONAL ASSETS WHICH HAS AFFECTED ME NEGATIVELY WITH MY APPLICATIONS FOR MY PERMANENT XXXX, HOUSING ASSISTANCE, CREDIT DENIALS, HOUSING APPLICATION DENIALS. 

I AM DEMANDING THAT ALL NEGATIVE REPORTING TO ALL AGENCIES BE REMOVED & RETRACTED WITH ADMISSION OF WRONGDOING BY WELLS FARGO, XXXX. 

I ALSO DEMAND MY CURRENT CHECKING & SAVINGS ACCOUNTS WITH WELLS FARGO BE IMMEDIATELY UPDATED, CLEARED OF ALL CHARGES AND BROUGHT BACK TO A POSITIVE BALANCE. 

I WILL BE SEEKING LEGAL ADVICE IN REFERENCE TO A CLASS ACTION SUIT AGAINST WELLS FARGO, XXXX. & SUING FOR MONETARY DAMAGES. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp. (LA)

FIRST INVESTORS SERVICIN 60 DAYS LATE Auto Loans {$0.00} Status Date Reported XX/XX/2019 Payment Status 60 Days Late I never made a late payment. I paid the loan off early
Consumer complaint received 2023-01-27
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-26
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 (PA)

In XXXX, 2016 I XXXXd from my now XXXX XXXX. On XX/XX/2016, my ex husband was ordered by court to pay the Wells Fargo mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. Wells Fargo has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by Wells Fargo. 

I want my credit cleared of the negative marks as this has nothing to do with me.
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in violation : XXXX XXXX number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXXacct number XXXX XXXX XXXXNo account number listed XXXX XXXX XXXX XXXX No account number listed 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I filed a previous complaint about Convergent Outsourcing back in XXXX of 2021 because they were attempting to collect a debt that was already paid and should have NEVER been in collections. CFPB erroneously closed that complaint and since then I have received horrible and illegal treatment by Convergent Outsourcing. After confirming that my debt was paid, Convergent Outsourcing is now attempting to extort me for {$110.00}. 

Convergent Outsourcing is claiming that if I pay this amount then they will recall the debt and remove it from Credit Bureaus. I would like to note that Convergent Outsourcing themselves claimed in my previous complaint with the CFPB that this debt was PAID IN FULL to the original creditor. Therefore, they should have never reported it to credit bureaus since they do not, and have never, owned the account. Now, even though the balance I owed the original creditor was PAID IN FULL, they are attempting to extort me to get it removed from my credit report. This is illegal and my rights are directly being violated by Convergent Outsourcing. I have consulted with legal counsel and I intend of pursuing legal action to the fullest extent of the law if the CFPB does not rectify this immediately.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( XXXX  XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( XXXX  XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (CA)

I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called XXXX XXXX XXXX and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX  about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how XXXX XXXX XXXX can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.