davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (MD)

Company is reporting this account on all three of my credit reports as bad debt, this is not my account. I have reached out to the company and asked for verification of the debt. The account was opened XX/XX/XXXX and I contacted them on XX/XX/XXXX about the issue and it did not get resolved.
Consumer complaint received 2019-01-25
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: NAVY FEDERAL CREDIT UNION (AK)

I filed a police report and an FTC report to show that I was a victim of identity theft but navy federal credit refuses to look into this matter and they keep reporting Negative information to the credit bureaus
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX is reporting incorrect information on my credit report In XX/XX/2018 I notified them that I was turning my debt over to a credit counseling company. XXXX XXXX XXXX. They negotiated with XXXX XXXX on 2 accounts a fixed monthly payment and XXXX XXXX has been paid each and every month. They accepted this payment arrangement, which was supposed to cease all collection of past due amounts and to lower my interest rates. But now they want to report me as being late on continuous months with the credit bureaus Now I am forced to file this complaint as well as get legal assistance to sue XXXX XXXX for frivolous reporting. I could have simply defaulted on this but I did not want to do that but yet they do this to me. I may consider taking them out of the program and they get nothing if this is how they conduct business. Once again a prime example of a big company trying to take advantage of the little consumer. They are just dirty and can not be trusted.
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc. (MD)

Company is reporting a debt that does not belong to me that was open on XX/XX/XXXX on all 3 of my credit reports XXXX, XXXX and XXXX. I called the company 2 times about the account and got no help. I called this company XX/XX/XXXX and again XX/XX/XXXX. I called and requested the original contract bearing my signature verifying that this is my account and as of today I have not received it.
Consumer complaint received 2019-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

Date : XX/XX/XXXX Amount : XXXX Company : Caine & Weiner Complaint : I was attempting to pay off a debt through this agency and I stated that I was willing to pay the debt as long as I obtain a validation letter stating the amount that I owe. The collection agency stated that my debt was closed on XX/XX/XXXX and said that because of the small amount of the debt and because the debt is " old, '' that the only way I could pay for the debt is to do an express pay on the Caine & Weiner website. When I requested that I would get transferred to another agent, the second agent stated that they were not able to fulfill the request of a validation letter due to the account being old and having a small amount. I told them I can't pay the debt off unless I receive a document and they stated that they will have to hang up the call and that the amount due will be there in the credit report.
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2018 - I created a XXXX transfer using the bank of america app. I made a mistake of sending the transfer to my brother. I called bank of america immediately and was advised that they can not cancel the transfer and would have to wait for the funds to clear. I called after a few days and was advised that a claim needs to be filed for me to get the refund. I received a letter in the mail after a few weeks stating the my claim has been declined that I have to reach out to my brother to get the funds back. 

This practice is in complete violation of UDAAP. In the event that a consumer makes a mistake in transferring funds, we should be give ample time and capabilities to cancel such transaction. In my case, i did. I called. It is unfair for consumers to be unable to correct mistakes done when transferring to in incorrect account.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

On or about XX/XX/, 2018, I contacted Synchrony Bank ( XXXX XXXX XXXX ) to dispute a fraudulent charge on XX/XX/ 2018 of {$130.00} on my account. I was told that they would complete an investigation, share the results with me and resolve the issue. This has not been accomplished. As they have not removed the charge completely they continue to add late fees and interest on a balance I do not owe. In addition, they have erroneously and incorrectly reported negative information to the Credit Reporting Agencies. The has had an adverse effect on my otherwise impeccable credit history including that of many years with Synchrony Bank. I have a stack of documents, many of them contradictory at best. I was assured that they would correct this but as of this date, some 7 months later, it has not been done as promised. I have been in contact with XXXX  but have not received any type of documents indicating an investigation had been completed. I would request that my balance is corrected to the factual {$0.00}. In addition, I request that the false, negative information reported to the Credit Reporting Agencies be removed and my credit score returned to the perfect state it was in on XX/XX/ 2018.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohls representative refused to escalate my call in regards to a payment and closed my account without my consent. I have requested that no credit inquires be placed on any credit. I spoke with several representatives and all where unwilling to assist our answer my questions
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (LA)

Ford Motor Credit has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However Ford Motor credit continues to report fraudulent information over and over. The account has been closed and written off for many months. However Ford Motor Credit continues to increase the balance and even know there is no payments due Ford Motor Credit reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to ford motor credit. So if the account is closed and charged off, written off and it shows no payment is due. How can Ford Motor Credit continuously report that my payment is late and how does the balance increase on a closed account.
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

We purchased a second home for our daughter. The original mortgage was with XXXX XXXX in XXXX, NC. The loan was made on XX/XX/XXXX. We were told that we could cancel the PMI when we had paid loan down to 80 %. The original purchase price was {$88000.00}. After our down payment of {$13000.00}, we financed {$74000.00} for 30 years. The following year, the loan was sold to Wells Fargo. As of today, XX/XX/XXXX, we owe approximately {$69000.00}. We have requested on two occasions to Wells Fargo to have our PMI cancelled. Wells Fargo sent a letter stating that we had to get to 65 % balance of loan to cancel our PMI. We hope that you will be able to assist us in this matter.
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

Hello there I discovered that a debt collection company, LVNV Funding LLC, had purchased an old debt from XXXX of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to Resurgent Capital Services in XX/XX/XXXX because LVNV Funding LLC had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with XXXX and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by XXXX multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to XXXX, XXXX finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when XXXX sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all XXXX related accounts were closed since XXXX to XXXX. No new XXXX account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and XXXX to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against Resurgent and XXXX. 

A complaint was also filed with XXXX XXXX XXXX XXXX  on XX/XX/XXXX, against Resurgent and XXXX. 

I will proceed with lawsuit if Resurgent Capital Services and XXXX fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
Consumer complaint received 2019-01-24
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. (GA)

Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed XXXX  via XXXX XXXX, disputed Experian and XXXX  via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on XXXX  and Experian XXXX Collection still on XXXX  and Experian XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with Experian- XXXX XXXX  XXXX Collection reinstated with XXXX  - XXXX XXXX
Consumer complaint received 2019-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

**This is 2nd Complaint due to 1st complaint being unresponsive, closed** **Initial Complaint is #  XXXX ***********Original Complaint verbiage*********** " On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes. 

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report. 
****************************************** ***********Feedback to TransUnion NonResponse*********** Transunion has the unscrupulous, unethical and volatile belief in contrast to its MANDATORY obligations under the Fair Credit Reporting Act ... Where it holds the position that a person MUST have a verifiable address to their liking? 

The problems with this belief system is the prima facie reasons for Congressional Action Regulating the industry. But for sake of argument, let 's detail them ... 
A ) Nothing in the FCRA mandates the requirment of verifiable address to have accurate credit reporting, if it did this would be GROSSLY discriminatory to XXXX/XXXX people. 

B ) Given that the argument fails on it face, the correct reporting is a mandatory obligation, fiduciary duty of TransUnion ... There argument only pertains to sharing of the corrected report with accurate information to an address they " might '' not be familiar with. Fine, Correct my Credit Report and send the Corrected copy to my last known address ... A Family Member will provide notification that I have mail, given I have been homeless for over 4years, live in motels travelling to what little work this XXXX economy provides.. 

C ) How does Transunion believe a person can secure a stable home address when unfair and inaccurate information on the credit reporting maintains his XXXX  state, XXXX XXXX XXXX XXXX and using a PO Box for mail?
Consumer complaint received 2019-01-24
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. (CA)

I was a victim of identity theft, and someone took out an auto loan in my name. The fraudulent loan is from XXXX XXXX XXXX. After calling the credit bureaus they asked me to submit some documents to help me recover my credit since the loan had gone delinquent it was really hurting my credit. I sent in the proper documents that the 3 credit bureaus requested me to send them. They requested a identity theft report, and police report, which I provided as well as multiple documents verifying who I am specifically, my drivers license and a loan payment as verification. I have sent in this information to recover my credit and in no less than a couple of months BOTH XXXX, and XXXX  promptly did a thorough investigation, and removed the fraudulent account. Unfortunately, Equifax has NOT done a thorough investigation even once of this fraudulent account, I know this because I've spoken to the original lender chase, and they said they HAVE NOT received any such documents from Equifax which proves that when Equifax says they have " verified '' this account there's no WAY they can verify it if they haven't actually sent my documents to the lender. If they did, then they would have removed it just like XXXX  and XXXX have. I've submitted this information over 7 times already, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax has done nothing new, all they say is that the creditor has verified the account, when I know a proper investigation has NOT been carried out, my rights are being violated, please help me. Equifax has all the records and paperwork that I've sent it, so no need for me to attach all the documents here. 

XXXX XXXX
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is an update, I just spoke to XXXX employee id XXXX at XXXX XXXX XXXX XXXX and she informed me to have the credit reporting agencies remove this account as she can not find me in their system as it has been approximately 7 years. 

The customer service rep, who wrote letter has no info and incorrectly is trying to report this as a charge off, he even gave me incorrect contact number to reach him. 

XXXX. 
Sincerely, XXXX XXXX XXXX XXXX Customer Service
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear CFPB, On XX/XX/XXXX I received a collection bill from XXXX XXXX XXXX, XXXX in the amount of {$280.00}. The alleged balance was for a credit card from XXXX XXXX XXXX  that has been removed from my credit reports because of failing to provide proof the account belonged to me. The account did not belong to me and XXXX XXXX did not provide any documents as proof as requested by the FCRA so the account was removed from all three credit bureaus on my credit report. When XXXX   XXXX  XXXX, XXXX sent me the collection bill within the 30 days time frame I replied with a request for validation as my right under the Fair Debt Collection Practices. XXXX XXXX  XXXX, XXXX did not send me such proof, and on XX/XX/XXXX ( almost 4 months later ) reported the alleged collection account to all three bureaus on my credit report. I have sent Letters to the three major credit bureaus as well requesting the account be validated, all they do is send me a notice back saying it was verified but no one seems to send proof.
Consumer complaint received 2019-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

I lost my job on XX/XX/XXXX and got a new job on XX/XX/XXXX, I had to file Chapter XXXX on XXXX/XXXX because the impact from the unemployment was too much, The bankruptcy included one month of mortgage, I am two months behind and keep trying to catch up. I filed a modification today just to catch, my attorney said to wait until the bankruptcy is confirmed well in the mean time Ocwen sent me to an attorney for post petition fees ( attached ). In XXXX I lost my job and was unemployed for several months and filed for forbearance with Ocwen, it was a disgrace and a XXXX show, it took 8 months to get approved, I involved the FHA and I filed with CFPB. I did not have the energy to deal with Ocwen this time but I will not allow them to take my home, I am in the process of Bankruptcy XXXX and just sent them a modification. I would have filed sooner but the Chapter XXXX is dragging out because of objections related to Ocwen and XXXX taxes, everything is in place now but now I received this letter relating to my mortgage, I pay every month on my mortgage and I AM NOT 3 MONTHS BEHIND so I do not know what Ocwen is doing. I am filing this complaint because they are the most vial company around. XXXX XXXX
Consumer complaint received 2022-11-05
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. (TX)

In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.
Consumer complaint received 2019-01-24
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. (NY)

I open a account with XXXX  XXXX and place a order for some items I never received. i asked them to put a tracer on the items and tell me who sign for it they told me they have a signature i asked them to provide it to me they told me they could not that I have to sign a form which i did i never received the signature they kept asking me for payment I told them I'm not paying for anything I have not received so what they did was charged off my account and sold it to XXXX XXXX  now I have a charge off from XXXX  XXXX and a collections from XXXX I called XXXX and they told me they will do a complete investigation after a month went by they wrote me back and said our investigations show you never sign for does items and they remove the collections off my credit report and I owed them nothing they advise me to to take this letter and send to XXXX so they can remove the charge off from my file for which I did XXXX  XXXX  told me 6 times they would remove it this started in XX/XX/2016 as of today the charge off is still on my file I recently called and they say they got a signature I told them to provided it they say they can't find it I just want this removed