davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from Experian
Consumer complaint received 2018-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

I have been harassed by 3 different collection companies over the past 4 years for money owed for equipment that was returned to XXXX on XX/XX/2014. I have a written receipt from a XXXX representative showing the returned equipment. Each time I provide the receipt the collection agency stops and then I am contacted by a different collections agency for the same bill. Each time the collections shows up on my credit report and is damaging my rating. The most current company that is attempting to collect the amount is XXXX XXXX XXXX.I have notified this company as I have the others and again get no response.
Consumer complaint received 2018-05-01
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: Fidelity National Information Services, Inc. (FNIS) (CA)

This is my second complaint to chexsystems. Chexsystems removed the XXXX XXXX   account that didnt belong to me but then added three additional accounts to my file that doesnt belong to me. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX The accounts listed doesnt match my social security or drivers license. I called to inform them and the refused to listen and spoke to me very rudely and condescending.
Consumer complaint received 2020-01-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 my house was sold in foreclosure proceedings. The amount of my indebtedness, as evidenced by Wells Fargo 's attorney in an EOD submitted 9 days before the auction was {$180000.00}. The house sold for {$190000.00} and as such, no additional indebtedness remained. Part of the itemized indebtedness was my Escrow Account Deficiency, which included the total premium of a one year Homeowners Policy. As such, in the sale of the home, they recouped that entire cost of premium. When I cancelled the homeowners policy, XXXX sent a check back to Wells Fargo for {$1100.00} for unearned premium. This brought the total sums they received up to {$180000.00} to pay a {$180000.00} debt. This {$1100.00} additional cost should have been refunded to me as the debt was settled in full and that additional money was taken from the equity of my property. I filed 4 complaints with Wells Fargo. The results of which have varied from me still owing them money because they said they only received {$170000.00} ( roughly, this was the starting bid submitted by their attorney, not the final sale price ), to saying they applied the {$1100.00} to my balance couldn't verify how much they received from the sale of the house to prove there was over payment, to now claiming that that {$1100.00} was applied to additional costs and fees incurred by Wells Fargo that they didn't receive from the foreclosure ( despite the evidence of debt, issued 9 days before the sale, stating : " The following is an itemization of all amounts due the holder of the evidence of debt secured by the Deed '' ). They now will not substantiate where the alleged " additional costs '' came from despite my dispute and request for validation, per FDCPA guidelines. They also believe they are allowed to claim additional debts after the evidence of debt was submitted, despite that being against the law. They are only allowed to claim the expenses that they evidence and claim at the time of Sale.  They still refuse to issue the over-payment.
Consumer complaint received 2018-09-11
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. (FL)

I have challenged XXXX, XXXX and Experian about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
Consumer complaint received 2018-09-11
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. (FL)

I have challenged XXXX, Equifax and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. Experian is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX   balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how Experian got the information to report it.
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

My loan was a conventional purchase transaction which closed on XX/XX/2019 through XXXX XXXX XXXX XXXX located in XXXX, PA. Shortly after closing my loan was transferred to The XXXX XXXX, who apparently sold the servicing rights to Flagstar Bank. My Account number with Flagstar is XXXX. My first payment due date was XX/XX/2019. I received a payment notice from both The Money Source and Flagstar both requesting I make my first payment to each of them. I contacted my original lender and he has been trying to get to the bottom of this ever since. The payment notice I received from Flagstar was incorrect as they failed to include the escrow amount of my School Taxes. My correct total monthly payment should have been {$3100.00}. After several months of back and forth with Flagstar, they still can't get my payment amount correct. Just recently they sent me an escrow refund check of over {$5800.00}, but that should not be returned to me since I need this in my escrow account to pay future taxes. Flagstar is also " double charging '' me the cost of my monthly mortgage insurance. The correct amount of my monthly PMI is {$200.00}, but the dopes at Flagstar are trying to charge me {$410.00}. They are so bad and now I am afraid my payments will be reported late. My original lender, XXXX XXXX has been trying in vain to straighten this out, but to no avail. Please help me. I have been unjustly persecuted by Flagstar!  All I want to do is make my monthly payments for the correct amount. Please Help Me!
Consumer complaint received 2018-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I spoke with a csr, XXXX id # XXXX and this was the third attempt at setting up a payment plan. In XX/XX/XXXX, I was set up for this plan and was on the phone with them for an hour. This plan was set up then the next month, XX/XX/XXXX I was told it was set up but not approved and was told it was not denied just not approved and that rep was fired. No information to me regarding that at all. I called to change the payment date and had to just cancel even after speaking with a so called manager XXXX who was telling me the same information. I was told that the prior rep had not put in place the second part of the original payment plan. I called today XX/XX/2018 spoke with XXXX who told me it was denied because they needed more information from my cosigner. I explained my cosigner is taking care of my dad who just went through XXXX XXXX and can not talk for the second time in a year. I was then transferred to a manager XXXX who asked how I was related to the cosigner and who the cosigner was taking care of my grandfather or my father. There was no listening and it was a recorded line. They asked me several times for payment and what the relationship was again not listening. They just want information from my cosigner because it says she has the ability to pay the XXXX. No idea where they were getting this minimum payment as the minimum is XXXX. I told them I am the one calling and trying to set up a plan to pay. I have the ability to pay XXXX but they want more information from my cosigner. I have stated I can not pay more than the XXXX and they want to talk to her to get more money. This is the second complaint I have filed. The first one was years ago after successfully completing a plan to remove my cosigner which was denied because it had to be a plan for interest and principle which it was but there was no stipulation online or with a rep regarding that information.
Consumer complaint received 2018-09-12
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: EQUIFAX, INC. (SC)

I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( Equifax, XXXX, XXXX ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. Equifax has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , XXXX , EQUIFAX 3.  RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED
Consumer complaint received 2018-09-11
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. (LA)

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Consumer complaint received 2018-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX i called Bank of America due to incorrect information that is being reported to the XXXX   XXXX. I had two accounts which were charged off with Bank of America. 1 of which in the amount of {$260.00}, was paid in full after it was reported to the XXXX  for insufficient funds ( NSF ). My 2nd account which is my savings account is being reported to the XXXX for {$.00} due to fraud. I have called and escalated this issue with bank of america several times and the risk and closure department is refusing to correct this information. How is it possible that both accounts were opened at the same time and closed at the same time but are being reported to the XXXX XXXX for different reasons. When the accounts were originally being closed, i received notification via mail that they were being closed due to ( NSF ), but for some reason Bank of America is reporting my account as fraud which is preventing me from getting an account with anyone. They are refusing to review this information and update accordingly. They are saying it is fraud because i had a negative balance of {$36.00} and my recurring utility payments were charged to the account, but were not paid by Bank of America, and i was charged {$36.00} each time this happened, which increased this balance to over {$200.00} ( which include extended overdraft fees ). I need this fraud remark removed from my consumer report today and commented correctly. I have disputed this information with XXXX XXXX but they keep stating Bank of America keeps verifying this information to be true.
Consumer complaint received 2018-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2018 at XXXX XXXX, I sent {$0.00} to XXXX through XXXX. I then sent {$190.00} to the same address at XXXX XXXX. The money was sent to pay for concert tickets. I authorized payment in order to receive the tickets. Once receiving the tickets for the XXXX XXXX concert on XX/XX/18 at XXXX, arriving at the venue, finding out the tickets were fraudulent, and talking to police I called my bank at XXXX. The bank proceeded to tell me that they were unable to do anything due to me authorizing the transaction and I should only use XXXX between family and friends. The only way I was allowed to send money to receive the tickets I thought I was purchasing was to authorize the transaction before my entire transaction was complete. There was no way of knowing that I was being scammed before authorizing the payment.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous. 

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have tried calling in to Experian since I am a member of their service daily credit score and they will not let me dispute inquiries that I was not aware of. XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX/XXXX  XXXX on XX/XX/2018 and XXXX on XX/XX/2018. I would like to Dispute these inquiries. I was not aware of these inquiries, or when they were submitted but on your Disputes page it doesn't allow me to dispute these. Please do not touch any of my Accounts, I am disputing the Inquiries only. I have already talked with these companies, and notified them. None of my accounts that are showing currently are incorrect at this time. ONLY the inquiries. 

Please dispute these inquiries! Thank you for your help.
Consumer complaint received 2018-09-11
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 (NJ)

I cancelled my VISA credit card with Bank of America due to their incompetence. I was a cardholder since XXXX. My wife and I had our New Jersey XXXX XXXX   account attached to the VISA card and had made payments generally in full and on time for 29 years. We moved to a new address in XXXX and notified Bank of America of the address change prior to our relocation. Bank of America did not send a bill to the new address after the move. XXXX XXXX notified us on XX/XX/XXXX that our credit card had been declined. I contacted Bank of America on the same day and they indicated that they had entered the new address information incorrectly. We received no bills for payment from them since the last payment was made in full on XX/XX/XXXX. The amount of our payment was {$70.00}. Bank of America indicated that our bill was past due in the amount of {$260.00}. I asked how much of that amount was late fees. They stated there were 2 late fees of {$25.00} and {$38.00}. I asked if the late fees would be waived due to their error. They agreed. The past due was reduced to {$200.00}. I asked them to reinstate our account immediately and they insisted on a payment of {$53.00} within 24 to 48 hours. I told them that we paid all of our bills for 29 years. They said that we needed to make a minimum payment of {$25.00} within 24 to 48 hours and requested our checking account # and routing #. I told them that I could restore my XXXX XXXX account immediately with a new and different credit card ( XXXX Master Card. ) I did so.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Commonwealth Financial Systems, Inc. (PA)

I realized there is an account placed for collection on my credit report so I looked into it. The account was from Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. The account was placed for collection on XX/XX/XXXX. At this time I was only XXXX  years of age, making any medical bills my parent 's responsibility and their insurances. They also did not contact me before putting this on my credit report. I tried calling the number provided from my credit report, as well as the number they have listed on google. On XX/XX/XXXX I reached a voicemail saying the mailbox was full. I called again on XX/XX/XXXX and was put on hold for 25 minutes until being hung up on. I tried calling again and kept getting a voicemail full box. I called again on XX/XX/XXXX and talked to a lady who told me I had to pay it and there was nothing else I could do about it. I have read the reviews on this agency and understand they do this to many people, and that the company is fraud. I do not want this to ruin my credit. I will soon reach out to local police and obtain a lawyer.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX