davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
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. (CT)

I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.
Consumer complaint received 2017-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Revenue, Inc. (GA)

On Sunday, XXXX/XXXX/XXXX, I received a credit alert from XXXX  and XXXX that a new collection account has been added to my credit records. I have no knowledge about this alleged debt, did not receive any notification surrounding this debt, etc. Therefore, I am requesting the company that reported this account, EASTERN REVENUE INC, remove the negative reporting from my credit records.
Consumer complaint received 2017-10-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

I wish to file a complaint against Bull City Financial Solutions for listing a zombie debt of {$6800.00} on my credit reports and ruining my credit. I paid an account off with XXXX XXXX XXXX XXXX in XXXX. I pulled my credit reports in XXXX XXXX, I find a collection account on my credit reports from Bull City Financial Solutions opened in XXXX XXXX for the account I paid off at XXXX XXXX XXXX XXXX in XXXX. I am very upset about this! Bull City Financial Solutions needs to remove this account from my credit reports immediately. Bull City Financial Solutions is/has violated the FCRA and my consumer rights. Please make Bull City Financial Solutions remove this fraudulent, inaccurate and erroneous account off my credit reports. Thanks
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc. (CA)

I have written Notarized letters to Diversified Consultants along with many calls to them and XXXX. I explained I was a victim of ID Theft and provided documentation from police reports to whatever I had and to no avail they have not taken this off my report on XXXX yet. they have no documentation whatsoever and are lying to bureaus to try and collect a fraudelant debt. 
the amount they say I owe is {$2500.00} it says open XXXX/XXXX/XXXX I will attach documents to support this to you all. thanks for your help. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (OH)

The institution put a maximum credit limit on my account based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to limit my spending ability negatively impacts my financial credit worthiness.
Consumer complaint received 2017-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.
Consumer complaint received 2017-10-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Tried to secure a " refund '' check for {$85.00} from XXXX for an over payment of my bill for over 35 days without resolution. 

The XXXX Billing Department refers me to XXXX Department who refers me back to Billing Department. One unnamed XXXX XXXX. agent on XXXX XXXX, XXXX tells me it 's their error and a refund check will be issued by their XXXX Department " within a few weeks ''. 

Then today, on XXXX XXXX, XXXX, 35 days after initial contact via email, the same unnamed XXXX XXXX. agent tells me " check refunds can take up to 10 weeks to receive '' while also telling me the XXXX XXXX. " requested a refund '' on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 

It appears the XXXX XXXX. and or XXXX XXXX. at XXXX  are not doing their job in issuing refund checks in a timely manner and should be investigated immediately.
Consumer complaint received 2017-10-30
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 — Investigation took more than 30 days
Company: Penn Credit Corporation (VA)

On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....
Consumer complaint received 2017-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MI)

On XXXX XXXX XXXX, I made an offer to purchase my first home. With the offer I wrote an EMD check to put toward the house. On XXXX XXXX, someone attempted to forge a check with my exact signature as the EMD check that I wrote for the house and had the next check number as the previously written check. 
In the first week of XXXX XXXX, I began to receive emails from the title company I was supposed to close with. I questioned this person and called the number that was given at the bottom of the signature to make sure this was in-fact a person that worked there. The company confirmed that she did and I proceeded to communicate with her. She continued to email me about the closing through out the month leading up to the closing date. I was supposed to wire my money XXXX XXXX, but I did not receive a final number yet, but I did receive a wire transfer form from my realtor. The next day, on XXXX XXXX, I received a wire transfer form from the fake person that was pretending to be the title company. I did not know at the time that she was not who she said she was. I looked at the form she sent, and the form my realtor sent the day before, and they were identical, except the account and routing numbers were changed. I questioned this with the realtor 's email address that was CC 'd on the email, which this address was also fake, and that person reassured me that everything was correct. That afternoon I wired the money to the account that I thought belonged to the closing title company. The morning I was supposed to close, XXXX XXXX, the fake person emailed me stating the closing had to be postponed, and she knew what time my closing was. During the closing process, it became known that the money was in-fact not wired to the correct account, and was wired to a fake account. I quickly called the credit union that wired the money to to a wire transfer recall. They were able to recall half of my wired money. I initially wired {$40000.00} to the fake account, which was at Wells Fargo bank ( they did nothing to assist me in getting my money back or freezing the account. I am not even able to find out if they have an investigation into this fraudulent activity ). The credit union was able to retrieve {$20000.00}. That same say, I filed a police report with the city that I reside in, to possible get resolution to this matter. I have also been in contact with an attorney and she believes that this is an inside job at either the sellers or buyers realtor company ( XXXX XXXX XXXX, XXXX XXXX respectively ).
Consumer complaint received 2018-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo claims that I missed a payment on my mortgage. I have never missed a monthly payment on my mortgage, and have the documentation to prove that going back over a year. However, they continue to claim that I am behind and charge me a late fee every month. I contacted them back in XXXX and they said they would look into it, however I have never heard back from them. 

I discovered they were charging me late fees for over a year in XXXX of 2018. I immediately called Wells Fargo to figure out what was gong on. While on the phone with Wells Fargo, I went online to review my payment history. For some reason I was only able to view the previous 3 months of account activity. The very next day I went online to review my account again and was able to see ALL of the account activity going back for over a year. So for some reason they blocked my ability to review my extended account activity. I believe they were altering my payment history to avoid being caught in their scam. 

I made a mortgage payment on XX/XX/2018 in the amount of {$2600.00} I was charged a late fee on XX/XX/18 in the amount of $ {$95.00} My most recent monthly payment was made on XX/XX/2018 in the amount of {$2600.00} This has been going on for over a year. 

Wells Fargo currently says I owe : Unpaid fees / late charges {$1500.00} Total amount due to make loan current {$4200.00} Like I said, I have never missed a payment and believe they have altered my account history on both my personal checking as well as the mortgage account in order to cover up their current scam. 

In addition, I know they encourage unethical and illegal practices first hand. A year ago I noticed a new account had been opened up under my name, and was consistently being charged overdraft fees. I did not open up this account. I called Wells Fargo and asked them about it. They gave me vague answers, and removed the overdraft fees. I told them to close the checking account since I never authorized it in the first place, and several weeks later the account disappeared. However, the impact on my credit score had already taken place. 

Wells Fargo has once again altered accounts and personal finance records in order to save face due to one of their unethical and illegal banking practices.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank MortgageBorrower : XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX I've spent a year trying to work with the Flagstar Bank Escrow Department and their Insurance Service Department to try and resolve a force placed policy that was then charged to me with late fees. After having called Flagstar Bank on a monthly basis for the past year it was only yesterday on a call ( with the assistance of my insurance broker ), that I asked for an escrow accounting and copies of documents and policies and became concerned that there may have been fraud or a legal violation on the account. 

On XX/XX/XXXX a disbursement of {$1600.00} was made by Flagstar from my mortgage. This disbursement automatically established an escrow account for calendar year XX/XX/XXXX. My mortgage does not have taxes or insurance escrowed. I was originally told by the bank that this was related to a force placed insurance policy. I provided insurance documents and policies to prove that I had my own insurance in an attempt to resolve the error. 

The charge for {$1600.00} ultimately also resulted in an additional {$900.00} in late fees accrued to my account. I was told by Flagstar Bank every month I called to wait for a refund and reconciliation. I continued to pay my original loan amount but would later make additional monthly payments upon a monthly review of my account because no reconciliation actually took place and I did not want my account to go past due. 
When I called Flagstar with my insurance agent to see if I wasn't asking the right questions, the Bank escrow department acknowledged the disbursement in my account history but could not confirm to who the disbursement was made. I was transferred to the Insurance Services department and we asked for a copy of the policy that was force placed. This was the first time they disclosed that they do not have a record of insurance or a copy of a policy being placed on my account. 

I was presuming if I got a copy of their policy I could get a refund from my own carrier who I also had a policy with, but it appears Flagstar Bank is unable to provide a justification for their charges. 

My complaint is that no policy was actually purchased since they can't find proof of a policy yet they charged me for insurance and fees on my account.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-12-07
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (RI)

Nationstar 's response to the CFPB is a blatant lie. Here is why : In XXXX of 2018 my insurance company, XXXX, issued a new policy which required Nationstar to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. Nationstar sent a second check to XXXX to account for the two policies. Nationstar know this is what actually caused the erroneous escrow amount. I was never notified by Nationstar about the two policy  payments until I called. Nationstar never worked with XXXX to reconcile the right account policy and I never received a letter from Nationstar about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my Nationstar 's escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. Nationstar and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of Nationstar. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.
Consumer complaint received 2017-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one was notified by me about 2 cards I have with them. I paid the cards off. Now they are maxed out. Each card has two account numbers, wrong information, wrong telephone number, billing info incorrect, and lot of charges that do not belong to me. I do not want negative remarks on my credit report.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of identity theft in XXXX XXXX. A public lien was placed on my acct. I was able to provide proof to the reporting agencies and sent them a copy of the paperwork over 2 months ago ( again ) as I was just reminded of this again when I checked my reports. Nothing has been done about this and they are still reporting the lien on my credit report. I have the proof from the XXXX of XXXX XXXX and they wo n't remove it from my report. Looking to get this matter resolved as I 'm trying to buy a home.
Consumer complaint received 2017-10-29
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. (SC)

Hello, my name is XXXX XXXX dob:XXXX SS # XXXX, I have call the credit reporting agency ( equifax ) several times and even sent certified letters to them informing them that I have inaccurate information reporting on my credit report.Everytime I call they always tell me that it 's nothing they can do while rushing me off of the phone, my problem is that I have 6 hard inquiries on my credit report that I was totally unaware of until I pulled my files, im now taking the necessary procedures to getting these unauthorized inquiries removed from my acct, these hard inquiries need to be removed promptly as they are making it hard for me to accuire credit These are the inquiry 's that I would like deleted/removed from my report to show my true credit worthiness, thank you so much INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX