davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please update this account to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2016-10-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

Today, XXXX XXXX, 2016, I contacted Well Fargo Home Mortgage ( my mortgage holder ) and requested to speak with the Loss Mitigation Department. XXXX ( ID : XXXX ) answered the telephone call. I verbally verified all of her requested, information ( i. e. my name ; loan number ; mailing and physical address ; and etc ... ). I then requested, to speak with the Loss Mitigation Department. But, XXXX wanted to know, if I had previously been in Bankruptcy. 
Because her questions ( about a Bankruptcy ) were out of line, I requested to " again '' speak with the Loss Mitigation Department. She ( XXXX ) " again '' refused. I " again '' requested ( via XXXX ), to speak with the Loss Mitigation Department. Again, I was asked ( by XXXX ) if I was going to answer her questions about a Bankruptcy. I then requested, to speak with XXXX 's direct Manager. She refused, then placed me on an extensive telephone HOLD! When she came back to the telephone, she wanted me to release the previously placed, " CEASE AND DESIST '' in order that she may speak to me ( via my telephone call ). I explained to her ( XXXX ), that we had already spoken and I would like to speak with her manager. She " again '' REFUSED, and began giving me ultimatums and making verbal demands. She placed me on another telephone " HOLD '', STILL NO MANAGER! I am attempting, to get assistance with our mortgage ( via Wells Fargo 's Mitigation Department ). I NEVER, spoke with a XXXX during my telephone call. I need the assistance of the CFPB in my " FAILED '' efforts. Sincerely, XXXX XXXX @ XXXX XXXX, 2016.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

You are reporting inaccurate personal information on my consumer report. My Only name XXXX XXXX XXXX XXXX My Only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. 
There XXXX be other individuals with a name the same as or similar to mine. Creditors XXXX have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, employers, and addresses. 

incorrect historical data listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I am going back to my case initially applied with CFPB on XXXX/XXXX/2016. My complaint was that Seterus Inc. has been messing with my account for two years now, and they do not own up nor feel they are responsible for these mistakes where I can loose my home because of their negligence. Seterus responded to this complaint they made no mistake in paying for my County Taxes from my escrow, when in reality they did. Last year was my home Insurance and this year was my County taxes. They also confirmed in their response to you that I will not be responsible for the penalty fees incurred for paying late ( 2 months later after I called to find out why they have not made said payment. ) and as you can see by the attached letter I received yesterday XXXX XXXX, my escrow has increased and I am responsible. 

Neither my taxes nor my home insurance has increased in 2016, on the contrary my taxes were decreased in 2016, how does Seterus determine to increase my escrow, and that my escrow has a deficient.?
Consumer complaint received 2016-04-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

Horrible experience. Car repossessed after one late payment. They tacked extra fees, required payment in one weekweek which was impossible and I had to pay {$75.00} to get my personal belongings that were still the car. I 've been a customer for almost two yrs
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

First off, the app is n't working for capital one. Everytime I try to access it i do the pattern that I set up and it acts like it 's getting me in but never does. It always brings me right back our, I tryour using my passocde instead, it brings me right back to the pattern. The app just sucks. So I 'm like okay, let 's do this online. So I go online, and every time I try to access my account it says that there is a error and to try again later. I 'm seconds away from applying to another bank.
Consumer complaint received 2024-10-03
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. (NJ)

On XX/XX/year> I submitted a complaint to Experian legal. Complaint number XXXX. Experian has yet to provide me with their method of validation. Experian states account was verified XX/XX/year> in which is only 14 days later, report number XXXX is that a reasonable investigation? when their website states it takes 30 days. I have also requested their method of validation in which I have not received and the looted time frame under FCRA has passed. What in the date and time this information was sent to the company? How was XXXX XXXX  account verified. Who did Experian speak to at the company? What documents was provided for verification? What sources verified this account? What are the dates and times this dispute was sent to the company? How was 100 % accuracy verified on this account? Was this done electronically? Please advise how and when this account was verified and by whom. Please provide all information provided to assure a reasonable investigation was conducted within the 14 days and not 30 days Experian took to verify the account.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Someone has fully stolen my identity.Someone from XXXXXXXX XXXX has stolen my identity. They are using my name for an apartment & another residence in XXXX where I have never lived or reside. They have also opened a line of credit with Capital One Credit in XXXX XXXX, XXXX. The capital one credit card was supposed to arrive to my permanent address at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX via USPS on XX/XX/year>. USPS never delivered that fraud credit card. USPS showed up to my house yesterday to obtain someone else 's mail they delivered the day before to the wrong address. USPS is tampering & stealing my mail on a daily basis. They was just on the XXXX XXXX XXXX XXXX XXXX  for the same issues I am reporting. A mail carrier in XXXX XXXXXXXX XXXX XXXX just confirmed he was stealing people 's mail in a neighboring town. When I say this has been going on for years. My credit score was a XXXX this morning. This credit card fraud brought my credit score down to a XXXX. I have also filed a report with the FBI Cyber crimes dept. I filed a dispute with XXXX. Capital One Credit also created a Fraud Application. The representative I spoke with confirmed they used the XXXX XXXX address to order the credit card fraudulently. I have done everything I can as well as freeze my credit report. Scammers are still stealing my identity. It's a neighbor who is watching my mailbox very closely. They live right here, but using an address in XXXXXXXX XXXX. Thank you for your attention with this matter!
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/year> I called they opened my account from deposits I made and went out to do running around and when I got home later on the XXXX I got a message that my account is closed and to call for spending and yes I made purchases so it's wasn't suspicious I had proof of my purchases but when I called they wouldn't give me information and I called 2 different times trying to see why and wouldn't give me information I asked what about my money I have in there and they said it would take weeks to get back when I have bills due my rent and kids to take care of and I moved banks to be with Chase and went to get money orders from closing my other bank to bank with Chase and it's been problems sense day one they held my money orders tell the 6th and still have one holding tell the 7th and when they opened one of them on the 6th that's when I did my running around to get house hold items I needed sense Ive been waiting over 2 weeks to use my account and then theu closed it the same day when i used it for tbe first time and with no explanation or anything i have proof of my deposits from my money orders the receipts of each one and everything i purchased on the 6th and when I contacted them also and i just want my money back so I can pay my bills the money left that i demand back is XXXX the amount i had all together was XXXX but when I did my running around i spent XXXX leaving total of XXXX and some change and had money order deposits still pending for the rest which was XXXX for the XXXX but when i used my account for the first time they closed it and its been nothing but problems sense i switched to there bank and i just want my money back to pay my bills and to never have anything to do with chase bank again its wrong and i called alot to chase and tried everything i just want my money back
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc. (MA)

I am reporting that a XXXX XXXX of Credit ( Account XXXX. XXXX ) was fraudulently opened in my name. On XX/XX/2024, I discovered this when a collection account from BOUNCE AI INC appeared on my credit report. I did not open this account or authorize any charges. I received no communication through email, phone, or mail about the account or the charges. This is a clear case of identity theft. I have been a victim of past data breaches, including XXXX and XXXX, which may have led to the misuse of my personal information. I request an immediate investigation, the removal of the fraudulent account, and the removal of any collections reported on my credit. Please provide any information about this accounts opening and charges. I am also submitting my FTC Identity Theft Affidavit and a police report for reference. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (PA)

I am begging for help here ... .I called Discover in XXXX to ask for my pay off balance as I am in the process of purchasing a home and I wanted to have all of my credit cards at {$0.00} balance ... XXXX young lady gave me a payoff amount and i paid it over the phone ... I never used the card again and apparently she must have given me the incorrect pay off amount as i was hit with a late payment for {$9.00} that i didnt even know i owed as i figuered i paid it off and never used it again ... .as soon as i saw this i called and was told it was for {$9.00} XXXX explained everything to your representative and was told nothing could be done ... ive called various times and cant be helped ... XXXX am supposed to be closing on my house on XX/XX/XXXX and this is really killing my chances... this one late dropped my score to XXXX XXXX that they say i will not be able to close almost XXXX XXXX... if they look at my payment history i have an excellent one with you this was obviously a misunderstanding... ..this is really causing damages to my credit health and financial health here soon... please help me ....
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc (CO)

Hard Inquiry - Information below : Credit Plus Inquiry from XX/XX/XXXX - XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Subject : Dispute of Reinserted Late Payment XX/XX/year> To Lending Club, I am writing to formally dispute the reinserted late payment from XX/XX/year> that has recently reappeared on my credit reports. This negative information was previously removed, and its reappearance on my file is both incorrect and unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you have violated my rights in the following ways : 1. Failure to Notify of Reinsertion : According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a pie
ce of information that was previously deleted is reinserted into a credit report, the consumer must be notified within five business days of the reinsertion. I did not receive any such notification.

2. Requirement for Certification of Accuracy : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( i ), information can not be reinserted into a consumers file unless the credit furnisher certifies that the information is accurate. I was not provided any evidence that this certification was made prior to the reinsertion. 

By violating these provisions of the FCRA, you have caused harm to my credit standing, and I demand that this issue be rectified immediately. I request that you conduct an investigation and remove this inaccurate information from my credit file permanently. 

If this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA and seek compensation for the damages caused by this erroneous reporting. I expect a written confirmation of the removal within the required 30 days of this letter.

You guys have messed with this account numerous times all three bureaus are reporting different things one minute the late payment is updated to paid as agreed then next month it goes back to 30days late. It has also completely been removed from my credit as well then pops back up. This matter is ruining my life and causes a lot of pain and suffering remove this 30 day late immediately!! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (TX)

I am in the middle of a mortgage and have very good credit. It was discovered the same Navy Federal Credit card account was being reported twice on my XXXX report. 


First account ending in XXXX is showing an {$18000.00} balance and not updated since XX/XX/year>, this is the same account as ending in XXXX. 

Navy federal changed the card number from XXXX to XXXX and updated XXXX. XXXX refuses to correct this issue. 

They are showing two separate account open and in the remarks that " Consumer disputes account information. I HAVE NEVER DISPUTED MY NAVY FEDERAL ACCOUNT INFORMATION. As is it a perfect account in good standing. 

XXXX Reps have out right lied to me all week. Tuesday he told me he was NOT opening a normal 30 day dispute but an internal dispute and the duplicated account ( XXXX ) would be removed in 72 hours. I call back and the next rep tells me on XXXX that it is being removed as we speak. 
Its XX/XX/year> and it is still not corrected. Another rep and supervisor with XXXX refused to correct the problem and now blamed Navy Federal. 

Please Please Help me get this corrected asap. My home loan is depending on it. 

I currently only have one account ending in XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

In XXXX of XXXX I was billed for a medical procedure from XXXX XXXX XXXX Hospital in XXXX XXXX My insurance company also received the bill and paid the total amount due of {$660.00}. The hospital mis-coded the payment and used a balance that should have been returned to me in overpayment towards this bill leaving {$590.00} as a balance under my name. I was contacted by a debt collector in XX/XX/XXXX for payment. When I connected with the hospital patient account team they asked me to prove that it was paid. I pulled screen shots of the details from teh HSA and showed that it was mailed on the XXXX of XXXX and cleared and cashed by the hospital on the XXXX of XXXX thus the account should be over what is owed. Their response was send us a copy of the check. Which I didn't send nor had access to since it was sent from the insurance company. On XX/XX/XXXX the hospital replied saying they would follow up with posting department to verify and review and that I needed to give them time. No response. XX/XX/XXXX I start getting calls again from the debt collector. So I reply to the email chain asking if they could please reach out and let the debt collector know I had paid. No response. XX/XX/XXXX my credit rating drops for a debt that is not paid. Guess what debt ... {$590.00} medical bill. So I reach out again... no response. My husband has spent this entire week calling daily on this to the hospital. They have acknowledged that it was their error and we supplied all we could in the original email exchange in XX/XX/XXXX, but could we call the insurance for a copy of the check because they can't find where it was cashed. So they have done no work on rectifying the fact they cashed the check, wrongly posted it, kept money that should have been refunded to me over a year ago, and now we got the copy of the check sent to them and now I have to keep following up for my credit score to be corrected. How in all of this following the process and being an insured patient have they done anything to rectify that they made huge mistakes! My credit is not affected, I was never delinquent nor was I in the wrong yet I have had to be harassed with debt collector calls, 5 days of non-stop calling and they now have a copy from the insurance company proving they cashed the check in XXXX of XXXX.