davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (MD)

On XXXX/XXXX/XXXX, Stearns Lending made a tax payment of {$2200.00} from my escrow. I notified Stearns approximately 2 weeks later that this was not my correct tax amount and sent them a copy of the correct tax bill. I did not receive a return call but did receive an escrow refund of {$1200.00} XXXX issued XXXX/XXXX/XXXX ) which was not needed nor appropriate because if they had paid the correct tax amount no refund would have been needed. 

I then deposited the escrow refund and went to the XXXX XXXX, MD tax office in an effort to pay the remainder of the tax bill only to find that no payment was applied to my tax account. I also learned that the tax amount paid was directed by Stearns to the wrong property. I called and notified Stearns of this issue with the specific account numbers and advised Stearns that the tax office advised Stearns would need to seek reimbursement from that owner and would still need to make payment for my tax bill which was due XXXX/XXXX/XXXX. 

I called Stearns again approximately every 3 weeks or so each time being told the tax department was looking at the issue. On one of these occasions in XXXX XXXX, I was told the tax department had a follow up date showing of XXXX/XXXX/XXXX. I have never received any communication ( phone email or mail ) initiated by Stearns despite my requests to be contacted by the tax department supposedly working on this issue. To date, XXXX/XXXX/XXXX, I have not received reimbursement to my escrow account for the incorrectly applied withdrawal of {$2200.00} and have not had any payment made from my escrow to the tax bill properly owed. Based on my numerous notifications to Stearns Lending on multiple occasions and over 2 months passing since that notification I consider these funds to have been stolen as they have failed to exercise even the most basic of fiduciary duty in their exercise over my escrow account. Additionally, this is beginning to result in the assessment of interest charges by XXXX XXXX, MD tax authorities. 

In addition to this issue, Stearns also noted that they did not know who the insurer was to cover that issue although the policy and payment was shown on the settlement and did not change.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

In response to you CFPB response " We were not able to verify that you were advised that Wells Fargo Dealer Services ( WFDS ) would be waiving the final payment on your loan, nor was there a reason for the payment to be waived '' I was not advised that Wells Fargo would be waiving the final payment, but that option was presented to me by whomever I was speaking with in the Presidents office at that time. What I did not know at that time was that I should have been provided a CASE NUMBER ( none was offered ). 

In the interim, I waited for a response from Wells Fargo for the request to waive the last payment offered to me by the Presidents office employee. 

No response arrived and my wife made me aware that the account was delinquent. 
The final amount was not an issue and I would have paid it IMMEDIATELY had the offer to waive that same payment had not been made to me. It makes NO SENSE to me at all to ruin my credit by shirking my responsibility of paying the last payment after paying EVERY OTHER PAYMENT. 

Due to the incompetence of the Wells Fargo PRESITENTS OFFICE staff, this situation has been created this absurd round of communication by myself and my wife and is usurping a great deal of my time to try to get Wells Fargo to take responsibility for the situation that they created. 

I dont need Wells Fargo to admit that they made an error ; I dont need Wells Fargo to admit that they have incomplete notes and are not able to verify that their employee made an offer to waive the last payment, I do need Wells Fargo take responsibility for creating this situation and correct the credit reports delinquency entries.
Consumer complaint received 2017-10-07
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. (TX)

Received paperwork in mail on XX/X/2017 for an auto loan that was taken out in my name for {$7500.00} through a finance company that I had financed a vehicle through four years ago, and paid off the loan. Loan has been paid off for at least two years. This loan is for a XXXX XXXX, and was taken out last month. I can not reach the finance company ( XXXX XXXX XXXX ) and when I am trying to put a fraud alert on equifax credit reporting account, they are asking me to verify my identity. The problem with this is that they are using questions about the fraudulent auto loan to verify my identity! I have currently put fraud alerts on XXXX and XXXX, but am unable to do this with equifax. They want me to send hard copies of my id and social security cards to verify my identity, which is ironic due to the fact that it appears that my information has been stolen after a MASSIVE data breech with their company. I refuse to send hard copies to this company, but need fraud alert put on my account.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WA)

About XXXX/XXXX/XXXX I placed a " Security Freeze '' on my credit file with Equifax after finding out that I was one of the 125M people whose personal information was breached. Today ( XXXX/XXXX/XXXX XXXX, I used the Equifax email link to complete enrollment for " TrustedID '' offered by Equifax. After starting the process through creating a password, I got bounced to a pop up giving a phone number to call. I spoke with someone at the call center ( hoping it was a legitimate call center asking for personal info ). The woman said I failed to complete the security question process and I explained that I got the call center pop up before getting to the security question and the pop up said my enrollment was incomplete. The woman had difficulty getting my info and because of call volume, she said, her computer was very slow. I tried the enrollment link, and it said I was enrolled and to go to an Equifax link. [ [ [ Screen info is shown below. ] ] ] But, again, another pop up said XXXX was unable to complete activation. After spending more time on the line with the call center, I said to forget her effort and I 'll file a complaint. 

This mess is truly unbelievable. Why am I having to spend my time registering, activating, giving more info to Equifax, calling XXXX, hoping that my credit, my bank accounts, my retirement is " safe '' and now filing a complaint? And, if for example, one of my accounts is drained by thieves, where will Equifax be? This is an industry long, long overdue for scrutiny and legislation to protect the consumer, not the company. Unbelievable! 



Product Already Activated Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. 

Please go to XXXX to log in to your product. 

TrustedID XXXX XXXX XXXX. Log in. Forgot your password? 

If you have any questions, please contact our call center at XXXX. 



Enrollment Error We are unable to activate you online. Please contact Customer Service at XXXX.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I provided my mortgage company with a fully paid one year home owner 's policy. There was no bill sent to the mortgage comapny, only a copy of the policy showing it was already paid in full for the up and coming year. Bank of America " system '' does not recognize if an insurnace policy is already paid and if someone has an escrow account it automatically sends out a check for the full year. This should not be allowed. I paid the policy in full in order not to have a negative escrow account balance and have my payment increase. By not having an actual person look at the new policy and automatically sending out " My '' monies in " My '' escrow account they are mis appropriating funds and most importantly wasting my time as they state the only remedy is for me to chase the money by calling the insurnace company asking for a refund. I believe this violates RESPA as it relates to handling my funds that are in my escrow account held with the mortgage company. I believe RESPA requires them to only pay bills that are due and not just make payments without confirming the amount or having an actual bill which in this case I am certain they did not get a bill because I am the one who sent it to them and no bill was sent. No verbal requests. They simply let their computer system make a payment automatically causing my account to go negative and now I will have a higher monthly mortgage payment due to their error when they re assess my escrow account.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This complaint is an update with more documents to show the issues with XXXX Credit Reporting. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.
Consumer complaint received 2017-11-02
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: United Student Aid (USA) Funds (CA)

a company by the name of XXXX XXXX XXXX XXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in XXXX and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-11-02
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. (NC)

On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.
Consumer complaint received 2017-11-02
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. (KY)

I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted  several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ). 
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the  completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-10-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WA)

I filed bankruptcy on XX/X/17. I included XXXX XXXX in that bankrtupcy. My bankruptcy has not been discharged. I keep getting harassing emails from them. I know some could be scam. They need to leave me alone Notice LOAN INFORMATION : Docket Number : XXXX Case File # : XXXX XXXX XXXX Past Due Amount - {$780.00} CREDITOR - XXXX XXXX XXXX Accounting Department of XXXX XXXX XXXX has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your wages will be garnished too. 

The total outstanding amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$2800.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. 

If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX XXXX XXXX XXXX XXXX between XXXX XXXX  to XXXX XXXX ( EST ) XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright 2017 XXXX | Privacy | Terms of use
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I noticed some unauthorized and unknown inquiries on my credit report. Please remove these unauthorized inquiries because they are negatively affecting my credit report. The unauthorized inquiries are : 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 XXXXXXXX co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-06
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. (GA)

On XX/XX/XXXX, I initiated a dispute with Experian regarding 4 XXXX accounts. I explained that these accounts were Fraudulent Accounts. I later called Experian back after reviewing several copies of my Experian report and informed them that not only are these accounts Fraudulent, they are changing the charge off date and re-aging the pay history which in turn causes great damage to my credit score and resets the Statue of Limitations. This was information that I wanted Experian to be aware of but instead they closed my dispute of these accounts being Fraudulent Accounts and changed it without first informing me that this will happen and second without my right to decide how I wanted these accounts disputed. OnXX/XX/XXXX, I received a dispute results letter indicating that XXXX updated information ; however, nothing has changed on these 4 accounts. I contacted Experian several times on yesterday. One representative told me that my complaint with CFPB has been closed because my documents do not show anything and XXXX can change the charge off date if they choose. One representative told me that the dispute with XXXX is closed and it will take 30 days for the database to change anything on my report due to the XXXX Breach and Experian being overloaded with paperwork. One representative told me that my dispute onXX/XX/XXXX should have not been changed without my permission but it was. One representative told me that the dispute results I received was computer generated and no one has control over what letter is printed all they have control over is the name on the letter. I was also told that Experian is not required to validate anything ; They just wait for the creditor to tell them yes or no to the disputes and whatever it is they take the word of the creditor.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (TX)

I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.