davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

In XXXX, XXXX billed me {$99.00} for a repair to an apartment I rented. I did not receive that as I moved out of state and it ended on my credit report with fle # XXXX .... for {$360.00} filed by Hunter Warfield. 

I discovered this in XXXX when I was applying for credit for a new home. I contacted XXXX XXXX who agreed this was their error and they had this deleted off my credit account. 

Then today, I discover that in XXXX, Hunter Warfield placed it against my credit again giving it a new amount and a new case number. File XXXX .... {$390.00} I spoke to XXXX and XXXX both of whom say because they changed the file number and amount, it appears as a new claim when it 's the old XXXX. They can not delete it because it appears as new again. 

They suggested that I contact you to get this removed and to stop Hunter Warfield from continuing to do this. 

Thanks, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

BOA, Bank of America, deducted money from my checking account in XXXX XXXX and in XXXX XXXX for a credit card that was not in my name, without my ss number, without any application from me, without my signature, and with no charges authorized or made by me. BOA simply had access to my BOA checking account and deducted {$300.00} in XXXX, then {$2300.00} on XXXX XXXX. 
My husband and I bought a XXXX in XXXX, called XXXX XXXX XXXX. The business ended and the corporate name was XXXX XXXX. XX/XX/XXXX, I began to receive calls about a credit card for XXXX XXXX XXXX ; it was the first time I knew about that card. I gave the company my address so that person could forward any information showing where and when I authorized the card. At that time, BOA did not have anything except my name and telephone number. I never received any information I requested. However, on XXXX XXXX, I noticed a debit from my checking account of {$300.00}, with the explanation- '' bankcard debit business/commercial card-right to set off. Those dollars were part of my SSI. And, when I asked the next person I spoke to, he told me the bank would not make that debit. 
Upon the advice of an attorney, I stopped using that account, except for a few online bill pays. ( Again I wish to note that several requests then and later in the year, for any documentation of my card application, my signature on the application, were never fulfilled. I have never even had an actual credit card or made any charges on the card. ) Then in XXXX of this year, my husband transferred some of his SSI ( he 's XXXX ) via check into my personal BOA checking acct and I too transferred $ $ $ from my SSI into the BOA checking account for XXXX expenses. Within one week, on XXXX XXXX, when I checked my checking account, BOA, had deducted {$2300.00} from my account. The explanation was " debit for charges on account ''. So, I am initiating a complaint ... .never any documentation for this Credit Card, which is not in my name.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

RE : XXXX XXXX Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXXXXXX XXXX XXXX  - {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

I sent a recent dispute letter XX/XX/XXXX to the credit bureau about an item on credit report for the original creditor University XXXX XXXX Account. The dispute was initiated XX/XX/XXXX and the investigation was completed XX/XX/XXXX in the report number XXXX. I have previously sent in disputes as well disputing that I do not have an unsecured loan with University XXXX XXXX this account back in XX/XX/XXXX. I spoke to a supervisor today XX/XX/XXXX with Equifax dispute department by the name of XXXX XXXX ID : XXXX, I informed him that I sent a dispute in to dispute that I do not have a unsecured loan with University XXXX XXXX, but the dispute was sent in to dispute the balance. I did n't request that. XXXX told me that he see I requested for the dispute of the status of the account and where they disputed the wrong code to the company. He also stated that he see where I disputed the same issue back in XX/XX/XXXX and University XXXX XXXX verified that this account is an unsecured loan. I told the supervisor that is why I sent in another dispute because I have documentation from the creditor that is not an unsecured loan. I asked the supervisor, if I have documentation that this account is not a loan and the creditor keeps verifying it is, this is legal for them to report inaccurate information. The supervisor then told me that the company can report whatever they want ; we receive the information from the creditor. I do n't have an unsecured loan with University XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. University XXXX XXXX did not verify that I have an unsecured loan with them. I called University XXXX XXXX XX/XX/XXXX at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing Unsecured Loan is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I HAVE BEEN AWAITING A RESPONSE FROM EQUIFAX AS IT IS NOW XXXX XXXX, 2015 AND UI HAVE NOT RECIEVED A RESPONSE FROM THEM IN REGARDS TO MY DISPUTES. AS EQUIFAX IS NO DOUBT AWARE THAT THEY HAVE LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA. THE DISPUTED ITEMS MUST NOW BE LEGALLY REMOVED FROM MY EQUIFAX CREDIT REPORT. 


I am writing in reference to my original dispute. I have disputed these alleged account information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted and filed a complaint with the CFPB on each of the creditor currently listed on my Equifax credit report myself and have been unable to get them to verify that this is indeed my debt. 
I have previously enclose copies of my requests for each creditor to VALIDATE these alleged debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay these alleged debts to the creditors listed on my Equifax credit report. 
The FCRA requires Equifax to VALIDATE the validity of the DISPUTED items within 30 days. If VALIDATION can not be verified, Equifax is obligated by law to remove the DISPUTED items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
Equifax has been unable to legally VALIDATE these DISPUTED items pursuant to the FCRA, and is continuing to list the disputed items on my Equifax credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Equifax in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I had an Inquiry on my credit report from XXXX, So Icalled XXXX in XXXX Texas where this Inquiry came from. I spoke with XXXX different people they ran my SS # they also ran my last name and my phone number as well. I was told they have no knowledge of any of this so I reported it to equifax as fraudlaunt and they respond with this letter within a few hours claiming it was verified.
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " XXXX '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (OR)

I was charged a late fee for for a payment that was on time. The money was withdrawn from my bank account by the company on XX/XX/XXXX but they did not post the payment to my Barclaycard account until XX/XX/XXXX. This resulted in a late payment fee of {$25.00}. I contacted the company and informed them of the error, and I was told that it is their policy to hold the payment for one to two days for processing. Although they physically had my cash in their account, they did not process my payment until the next day. They have refused to reverse the fee.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXX, GA XXXXTrans UnionXXXXXXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NJ)

My wife and I bought our primary home with a mortgage from CitiMortgage in 2012, the investor on the mortgage is XXXX. We have been upto date on our monthly payments all along and have excellent credit profiles overall. The account is in very good standing right now. 

Recently we requested Citi to cancel PMI on the mortgage and an appraisal was performed, that showed the property had appraised a little. Based on the appraisal, we made a one-time additional payment of {$13000.00}, to bring the LTV to just below 80 % of the home value. Citi responded to us stating the investor rules on PMI require the LTV to be 75 %. When we appealed why PMI ca n't be cancelled with LTV at 80 %, they advised us to talk to XXXX. XXXX stated their rules require the loan to be XXXX years old, for PMI cancellation at 80 % LTV. 

Our understanding of federal rules on PMI, from consumerfinance.gov does n't require the loan to be XXXX years or older. Hence we 'd like to submit a complain, seeking help from the CFPB to help resolve the matter.
Consumer complaint received 2016-02-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XXXX I purchased a home in XXXX, GA, as an investment. I initiated renovations on the home and as I improved the property in hopes of renting the home, it was repeatedly vandalized and expensive items were taken from the property. These crimes caused me to not be able to complete the renovations and subsequently pay the mortgage. The lender, Bank of America, in XXXX notified me of foreclosure proceedings and since I was out of state, I could not monitor the property. The bank winterized the home, boarded up the windows, and placed a for sale sign at the front of the property. In XXXX XXXX, I was notified by XXXX XXXX XXXX XXXX XXXX to clean up the property to avoid a citation and fine for non-compliance for the upkeep. Upon further investigation, the County still listed me as the owner of the property and Bank of America never recorded a transfer of the title. After a laborious effort in trying find answers from Bank of America regarding the property, I was told that they confirmed the property was foreclosed upon and I would receive notice in the mail. In XXXX XXXX, Bank of America sent me a release of debt for the property rendering me responsible, to my surprise for the previous five years of property taxes. Today, as I am now aware I am the owner, the property taxes and penalty fees are more than the value of the property and prospective buyers are not willing to buy the property for obvious reasons. This practice by the bank appears to be a common unscrupulous act that I am now a victim of to include the municipality for not receiving it 's due taxes.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

My payment made on XX/XX/XXXX was reversed days before Wells Fargo sent the loan to foreclosure. This is a blatant violation of the Frank-Dodd Act and Federal Banking Regulation Z. Wells Fargo has sent a XXXX letter to my insurance company telling them that the property is vacant or abandoned so my insurance company will cancel my policy and I will be forced to pay for Wells Fargo 's over priced insurance. This property has never been vacant in the XXXX years since I purchased it. 
Wells Fargo says " Customer was unavailable for consultation. '' The truth is Wells Fargo made no verifiable attempt to contact me. If Wells Fargo was not harassing me XXXX times a day they would be able to leave a message on the answering machine. 
Case number : XXXXWells Fargo Home Mortgage said : Explanation of closureCustomer was unavailable for consultation. 
See attached resolution letter. 
XXXX XXXX XXXXThis started when Wells Fargo withdrew money from the escrow account for expensesthat Wells Fargo did not incur. Then Wells Fargo applied our principle and interestpayments to the escrow account to cover the money Wells Fargo stole from theescrow account instead of applying the money to the loan. We have requested abalance statement for the escrow account a couple times verbal and a couple times inwriting. Wells Fargo recently sent us a letter stating Wells Fargo will not respond toissues with our account. We record our calls and have written documentation of WellsFargo 's crimes, so we could sue Wells Fargo. We would prefer to keep this out of thecourts. We have managed to make all our full payments before the grace periodexpires for over a year and a half. The last few months Wells Fargo lists our fullpayment as unapplied funds, so they can charge us more interest and late fees. We arecurrent on this loan and we have written documentation to prove it. Wells Fargo hassent us another ultimatum to pay what Wells Fargo says we owe by XX/XX/XXXXor they will foreclose on our property. 

I have filed another complaint with CFPB because XXXX XXXX failed to address the issues with this account. Case number : XXXX XXXX - Wells Fargo Executive Mortgage Specialist, stated that " You would have had to show proof of insurance coverage without any lapse for a full refund of the LPI premium. " This is not only a false statement it is a violation of a Federal Court Order. 
This is why Wells Fargo was sued and lost in Case No. XXXX. 
XXXX XXXX also failed to address the issue with payment of the 2009 property taxes from the escrow account.
Consumer complaint received 2016-02-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

the company is Navient and they are repeatedly calling me several times a day 6 days as week. Today they called me three times in an hour. when I called to ask themto em to stop calling me everyday they were rude and denied the calls from today and told me that the calls will continue until I make arrangements. I am working on it but calling several times a day everyday is harassment. 
They also sent a letter to my aunt making her believe that she won a contes. They also harass her telling her that she needs to pay. She lives on Social Security now and they will not remove her from the loan because she is officially XXXX.
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL?
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

I am writing to dispute inaccurate information on my credit report by all three credit bureaus, which has been reported by Syncb/care credit XXXX. I previously settled my debt with this company in full. However, the report inaccurately shows that only a partial payment was made. This is false, and I am attaching proof of the settlement, which clearly indicates the payment was a full and final settlement of the account. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information reported. As the reporting from this company is not accurate, you are obligated to remove this incorrect information from my credit report. 

I have already paid the full settlement amount, and the companys continued misreporting violates credit reporting laws. Therefore, I demand the immediate removal of this account from my report, as the company is not reporting the facts accurately. 

Attached, you will find documentation proving the full settlement of the account. I expect the erroneous information to be removed within [ timeframe, e.g., 30 days ] as required by law. Failure to correct this issue may force me to seek legal action to resolve this matter.