davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Columbia Recovery Group LLC (WA)

I advised this company that I was never notified you the original creditor of Owing this money. The account is due to be removed from my report in early 2016, but I paid the amount in full to clear it. Columbia recovery still reports to XXXX that I have NOT paid the collection. They ignored my communication to them that I was illegally never notified of owing the debt prior to being sent to collection. They continue to report as unpaid to transunion cespite being paid in full. The account is under XXXX ( XXXX ) XXXX. Please see the attached for correct address of this company
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (IN)

I have been contacting Caliber Home Loans XXXX times since XXXX XXXX in order to obtain an escrow analysis. My loan started in XXXX at which time the XXXX XXXX was not yet applied. It was applied around XXXX XXXX and I have asked to 1 ) have a reduction in escrow ( ultimately monthly payment ) and 2 ) be refunded an overpayment which is as of today is approx {$1600.00} and each month {$300.00} is added to this amount. I keep being told each time to wait XXXX days and nothing happens. I have talked to XXXX ( teller id XXXX ), XXXX in Tax, XXXX XXXX, supervisor in tax whos phone # is XXXX, XXXX ( teller id XXXX ) and XXXX XXXX, supervisor -- XXXX refused to give me her direct phone number but her extension is XXXX.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (PA)

Our mortgage was sold by XXXX XXXX XXXX in XXXX 2016. Since then we are getting foreclosure notices and strangers knocking on our door handing us paperwork. We have had a mortgage for 30 years and are down to 7 months before payoff. ( We have NEVER had this problem. ) I 've asked them to review our payment history as I believe they reversed one of our payments. I can not get anyone to reply to my many emails and faxes. I 've read reviews about Shellpoint Mortgage ( aka Resurgent Mortgage ) and have heard many of the same complaints. I know I should refinance to get away from these scammers but do n't want to have to do that with only 7 payments left.
Consumer complaint received 2015-11-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I have full or Part time status in XXXX school and received an email from Navient to check my account. When I checked my account, I noticed I was two months past due with a late charge. I called Navient and spoke with a representative and advised him that I was still in school. He explained the he did not receive any information from the school. I explained to him that can not be the case since XXXX XXXX received the information that I 'm in school. I advised him that I could not afford and should not have to afford the payment if I 'm still in school and was advised that he could not do anything for me. 
My question is and correct me if I 'm wrong, Does n't Federal Law state that if you 're in school full or part time, you student loans will remain in Forbearance? If so, how and why am I being assisted charges? I have read over XXXX reviews about Navient and there is nothing positive.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2015-09-28
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: ONE REVERSE MORTGAGE, LLC (VA)

Following is a copy of a letter ( personal info removed ) I have been trying unsuccessfully to get a response from HUD or some oversight institution : XXXX XXXXTo Whom It May Concern : First, thank you to anyone who may be able to help regarding my issue with HUD and a reverse mortgage application, I believe has been erroneously viewed and considered by One Reverse Mortgage. 
For more than a month, I have been trying to find a person or department of HUD with oversight over the reverse mortgage program. Return calls from HUD or various sub-offices where I was referred took two weeks to two days. Still it is unclear if and where I may appeal or get better clarification on a specific HUD regulation sited. 
Please assist or direct me to that exact person who has such authority and expertise. I believe I am totally justified in questioning how One Reverse Mortgage handled my application and the process, which began in XXXX. 
After more than two months and many man-hours of detailed work related to my case - out of the blue - I was told my condominium building did not qualify, because of some " found '' language allowing for 30-day rentals. 
Quickly I disputed this fact, forwarding the entire by-laws of our condo association, along with the separate specific excerpt citing that our building did NOT allow for 30-day rentals. " No residential unit shall be rented for transient or hotel purposes or in any event for an initial period of less than six months. '' This language was exactly what was necessary to show that the underwriter was incorrect in assessing my condo building. I still have no idea where that underwriter picked-up that 30-day language in the first place. Nobody would ever provide proof of that. 
As explained, I sent proof on my part - XX/XX/XXXX - more than one month ago. However, One Reverse Mortgage would not budge and terminated my application " cold ''. No amount of phone conversations or e-mails could sway anyone to re-open my case. I even forwarded the on-line HUD approval list which shows my building as approved until XX/XX/XXXX! 
There are more details I am happy to provide, but this is a summary of what transpired in the past month ( not including all the various HUD related offices I tried to contact ). I am so disappointed in the entire process. I spent the whole summer focused on securing much needed finances for a beloved project, thinking I was proceeding in the right direction and moving quickly at every step. Now I have nothing to show for my efforts and actually find myself in a worse position than when I began in XXXX. 
Suspicions are definitely creeping into my thoughts about reverse mortgages and their true worth. Sadly there may be elderly people who need support more than I. At least I am still an active and willing member of the country 's workforce - with the means to pay my taxes and insurance. 
Please please advise!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-10-09
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NV)

. Comenity Bank has unjustly closed several of my accounts without my request or consent. These accounts include : AAA Daily Advantage Visa Signature Credit Card 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 Dell Pay Credit Account 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 Sephora Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Ulta Beauty Rewards Credit Card ( XXXX XXXX XXXX XXXX XXXX Zales The Diamond Card XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. In addition to closing some of these accounts, Comenity Bank has placed restrictions on others, making it impossible for me to use them. They claim that they can not contact me, despite the fact that I never requested such a restriction. 
XXXX. I am currently disputing the balance on my Dell Pay Credit Account ( ending in XXXX ), as I never received the product I purchased. However, Comenity Bank has taken Dells side in this dispute and has ignored my requests for resolution. They continue to harass me about this balance, which I do not owe.

4. As a result of these closures and restrictions, I have been unable to access my accounts online to review statements or make payments.

5. The situation has caused me significant emotional distress, financial losses, and wasted time, especially due to the poor treatment from Comenity Banks outsourced customer service, where I have been harassed and provided with inconsistent and inaccurate information.
Consumer complaint received 2015-09-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

ON XXXX I WENT TO XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT
Consumer complaint received 2015-11-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

My account with Conn 's is due on the XXXX of the month. I am paid bi-weekly and sometimes I am unable to pay until the XXXX-XXXX of the month. Conn 's begins calling the morning of the XXXX and charges a late fee on top of that if I do not pay exactly on the XXXX. Today they called 10 times regarding the account. Today is the XXXX, it is supposedly 3 days late! Ten times in one day. This is harrassment.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Address information - Current is XXXX XXXX XXXX, XXXX XXXX XXXX. 
My informaiton has been mixed with my brother 's information. The following information needs be removed and placed under SSN XXXX instead : Personal Information - XXXX XXXX XXXX,, XXXX XXXX XXXXAccount information-XXXXAccount # XXXX XXXXAccount # XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount # XXXXAccount # XXXXAccount # XXXXAccount # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Additinally the following info is also inaccurate : Former Address2 - XXXX XXXX, XXXX, XXXX belong to XXXX XXXX XXXX ( USPS ' mistake for not able to tell the difference between " XXXX '' and " XXXX '' ) Former Address3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX belong to XXXX XXXX XXXX ( my brother )
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (GA)

I am filing a formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605C, which grants XXXX  XXXX  survivors the right to have adverse credit information resulting from fraudulent or coerced financial activities removed from their credit reports. 

Under FCRA Section 605C, credit reporting agencies are required to block and remove any negative credit information associated with accounts that were opened or used as a result of XXXX  XXXX. Despite my request to Equifax to delete the following fraudulent accounts : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Equifax has not complied with the FCRA. I have provided supporting documentation confirming my status as a XXXX  XXXX  survivor, and I am invoking my rights under FCRA Section 605C. 

I am requesting the CFPB 's intervention to ensure that Equifax follows federal law and immediately removes these accounts from my credit report. 

In support of my claim, I refer to the following case law, which emphasizes the obligations of credit reporting agencies to protect XXXX  XXXX  survivors under the FCRA : XXXX XXXX Equifax Information Services LLC, XXXX XXXX XXXX : Highlights credit reporting agencies ' responsibilities in handling cases involving XXXX  XXXX  survivors under the FCRA. 
XXXXXXXX XXXX XXXX  XXXX, XXXX. XXXX : Reaffirmed credit reporting agencies ' duty to comply with FCRA provisions regarding identity theft and XXXX-related cases. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Provided precedent for how coerced financial activity should be handled under the FCRA. 
XXXXXXXX XXXX Equifax Information Services LLC, XXXX. XXXX : XXXX XXXX responsibilities in removing adverse information for XXXX  survivors. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX : Established key standards for handling credit disputes involving survivors of abuse and XXXX. 
XXXXXXXX XXXX. Equifax Information Services LLC, XXXX. XXXX : Reiterated the importance of accuracy in credit reporting when coercion or fraud is involved. 
I ask that the CFPB ensure that Equifax complies with these legal precedents and fulfills its obligations under the FCRA.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS LEAKED IN BOTH THE XXXX AND XXXX DATA BREACHES. I ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT THROUGH CREDIT REPAIR DONE BY A PERSON THAT I TRUSTED WITH MY PERSONAL INFORMATION, WHO COULD HAVE OPENED MOST OF THE ACCOUNTS LISTED. I NEED THESE FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I made complaints before that the information on my consumer report is incorrect my name is XXXX XXXX XXXX aint no XXXX I remmoved addresses that i no longer reside at and some how they still on my report it should only be 3 address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Common Wealth Mortgage Services (CA)

I received a fixed FHA mortgage XX/XX/XXXX with a payment of approximately {$1500.00} per month. XX/XX/XXXX I was notified by the mortgage company of an escrow shortage due to the facts according to mortgage company the property taxes had been initially incorrectly calculated upon my obtaining the mortgage. Taxes and insurance are impounded with mortgage payment. Due to being on a fixed income I was unable to pay shortage so the mortgage payment was increased to {$1800.00} per month XX/XX/XXXX. I looked at my account recently and the mortgage payment is schedule to increase to {$1900.00} per month beginning XX/XX/XXXX and I am unable to refinance either Streamline or otherwise at this time without having to bring in upwards of {$6000.00} to do so. Mind you this was supposed to be a fixed rate mortgage so I wondering what rights do I have to protest these increases as the miscalculations of property taxes was not my fault but I am suffering due to the mistakes of my mortgage company.
Consumer complaint received 2016-03-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I have been currently working with my mortgage loan provider regarding past due payments on my mortgage account due to my husband having lost his job. I started working with XXXX XXXX at Wells Fargo bank and besides her just not being prompt or sensitive to such an important matter like our home is. Once our case was reviewed for repayment options we were told options through Wells Fargo were denied, but nothing specific was disclosed. I appealed their decision once my husband was able to acquire XXXX part time positions and asked for our case to be reviewed. According to the rep during this process our foreclosure status would be suspended. I received a call from her telling me our appeal had been denied. I began to ask questions regarding this decision. I wanted to know why and exactly the reasons why since we have more income now to cover our mortgage costs. I have yet to receive a phone call explaining anything from her or anyone at Wells Fargo, and when I contacted the foreclosure department and they advised me that my home is now in active foreclosure. I asked the rep in the foreclosure department to go over all of the fees to reinstate the loan and NOT one person can give me a break down. I really feel that we are being taken advantage of and I do not think this is even legal to do. I will be seeking legal counsel.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX  SERVICES Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX BANK NA Account Number : XXXX Account Name XXXX XXXX AUTO XXXX Account Number : XXXX
Consumer complaint received 2015-11-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (PA)

I opened Discover checking account and saving account in 2013. I used them as my main banking accounts and have XXXX in Discover bank. However, I received a mail said that my accounts will be closed on XXXX XXXX without any reason. I called their custom service but they just transferred me to an auto telephone recording machine. The custom service could not find anything wrong with my account after his research. Such bank closure brings me a lot of inconvenience, and I think it is really unfair.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Balance transfer fee — 
Company: WELLS FARGO & COMPANY (CA)

Sir, Madam I am writing this letter to complain Well Fargo bank. 
1. When i did a second balance transfer on phone they told me that, i just pay only one time charge for balance transfer either {$5.00} or 3 %, ( No interest charge ), but when i received a bill, there is the interest charged on my bill. I did call the Well Fargo bank, but they did not resolve that happen. 
2. I had never applied for credit defense, but they automaticlly made up the paper, and charged in my account. I was so frustrated and call them, they already credit back to my account, but that was illegal? 
3. I had never applied for Loan, but they automaticlly made up the paper, and charge me XXXX dollars. i was very frustrated, went to the bank asked them to clear it ( because that is fraud ). they did clear for me but that was illegal? 
Hi Sir, madam, i am depressed, sick because of the Well fargo bank. i have a trouble sleeping every day .Could you please help me I am waiting for your response XXXX XXXX my email is XXXXXXXXXXXX