davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (MI)

I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies.
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

To The reviewer of all my complaintsCFPBMy name is XXXX XXXX. I was the owner of the HUD located at XXXX XXXX XXXX, GA XXXX. On XX/XX/XXXX, the house was sold at the steps of the XXXX house. XXXX XXXX Georgia. XXXX XXXX of Wells Fargo requested the sale to be rescinded after my complaint. On XX/XX/XXXX, around XXXX to XXXX, she advised that the sale can not be rescinded. and it was final. Last week, XX/XX/XXXX XXXX County Water Authority called me to tell me a company wanted to establish an account with them. Since my name is the legal owner of the property, they did n't open an account in their name. The same company locked me out of the property and took ownership of the property without an eviction letter. Again prior to the dismissal of the rescinded request. I was locked out of the house. 
The same XXXX XXXX of Wells Fargo told me the HAMP application submitted on XX/XX/XXXX was not reviewed, but the one on XX/XX/XXXX was reviewed. Therefore, this is a violation of Federal Law. I further asked her if I was not qualified for any other Federal program in order to keep my house. She responded " No ''. XXXX XXXX of Wells Fargo advised in XX/XX/XXXX to have a letter of a permanent job offer in order for her to continue with the modification. XXXX applications were submitted to Wells Fargo for review and an appeal form to continue with the modification. XXXX XXXX said that nothing was reviewed. Since XX/XX/XXXX XXXX promised to give me the information about the third party purchaser of the house. She did not respond to her phone call. This is an illegal possession of the house and a wrongful eviction. I hope someone can look at this complaint and act upon it. Wells Fargo has received the bailout money from the US Government but violated the law for modification and put a barrier to minorities to get loans to keep their house. This is pure discrimination for denying me due process.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I disputed these credit inquires several times before and they ( Equifax ) said for me to contact the creditor. The creditors never responded back. I do n't recall asking these credit card companies to pull my credit reports. Please remove these credit report inquiries as they were n't authorized. 
I have accounts with these companies and they have my personal information. Never authorized these credit checks. 
List of companies and the date of credit check was pulled. 
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
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-07-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am using Bank of America online bill-pay to send bank-issued checks to payees. When setting up a payment I can choose the " deliver by '' date. In the past the checks would always reach the payee by the " deliver by '' date ( or sometimes even earlier ). However for the past year ( or so ) the checks NEVER arrive by the " deliver by '' date but they reach the payee 1-2 business days after that date. I contacted BofA customer service on XXXX different occasions and they claimed that " everything is normal '' from their end and that the checks may be " delayed by the post office ''. Unfortunately the envelopes are not postmarked so there is no way to know when the checks are actually mailed. However ( 1 ) the BofA checks are always & consistently late by 1-2 business days ( 2 ) the checks are similarly delayed for XXXX-XXXX different payees I am in contact with and ( 3 ) all other mail seems to arrive within 1 or 2 business days from the postmark date. All these point to the conclusion that the delay is with the bank and not with the post office. It also seems that the bank misrepresents the free bill-pay service providing a " deliver by '' date that is never met, presumably as an indirect way to promote other paid-for alternatives.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

I had a check bounce due to insufficient funds. I was charged an overdraft charge of {$36.00}. I was unable to pay the {$36.00} so they started charging me {$7.00} everyday after that. On XXXX XXXX I spoke with someone from the bank and they waived {$98.00} in fees which put the negative balance down to {$130.00}. He told me to pay what I could and to get it paid up as soon as I could so that the account can be closed. On XXXX XXXX I pay {$14.00} to bring the negative balance down to {$120.00}. Since that time I have received several calls from PNC bank and I have told them that I will pay {$60.00} on XXXX XXXX and will keep paying on the balance until it is a positive balance. Today on XXXX XXXX I have noticed that they have started to charge me the {$7.00} each day. How is XXXX supposed to pay this off when they keep doing this. I am on a fixed income and doing the best that I can to get this paid. Why ca n't they just let me pay this off and stop charging me more fees. I know that it has been over a month but I am doing the best that I can do. Please help! I have filed a complain previous to this and I thought the issue was resolved. I am reopening the case back up again.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

A proposed modification agreement offered is not acceptable to us as terms and conditions are not in accordance with the government 's guidelines and parameters in modifying loans. Clauses and terms are vaque and entail more financial troubles forus in the future. Proposal offered was retroactively dated 2014.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I purchased an item from Best Buy using my Best Buy credit card. I paid the amount due in full on XXXX/XXXX/2015. The payment of {$100.00} was issued through my online services at XXXX. 
The account number for my Best Buy account had not been updated on my online services account with XXXX, so the payment went to Best Buy but to my prior account number. Best Buy now claims that I have not paid and my account is now in arrears {$240.00} because of accruing late fees. I have contacted Best Buy and they will not speak with you regarding this issue and refer me to their bank which is now Citibank. I contacted Citibank and submitted my proof of payment to their Payment Research Department. I continue to get statements saying the account is not paid. I spoke to " XXXX '' in " Escalations '' on XXXX XXXX and still the matter is not resolved. I have no way of resolving this because clearly the issue is inter-bank. I made a payment to Best Buy which was sent to my old account number XXXX and should be posted to my current account number XXXX, It is egregious that Best Buy offers no consumer protection to their credit card users as clearly they are the entity that could easily resolve this by having the payment credited to the correct account number. The continued billing and late fee surcharges have escalated to the point of harassment. I paid this account in full before its due date and yet I continue to be harassed because no one seems to want to do the work on their end to get this matter resolved.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


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>
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Pinnacle Asset Management, LLC (CA)

Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me one. Then they called and said because they noticed I was a XXXX that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.
Consumer complaint received 2015-07-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit Systems has refused to remove this entry from my credit report after verbally promising to do so during a correspondence call after the debt was paid. 

Southwest Credit Systems has not provided proof XXXX written documentation ) of assigned ownership of account XXXX validation ) and continues to report a paid debtAgency has not provided appropriate documentation to show how and where the fees came from as it relates to the original debt indicated on my credit report in an itemized statement. 

No itemized information about proof of last activity date was provide to me.
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

I received a statement in the mail from CMRE Financial Services saying that I was in collections for a balance of XXXX for XXXX XXXX XXXX XXXX XXXX a place I have never been ). I recently did have imaging done, but I called both facilities/doctors that ordered and administered my appointments and imaging and XXXX said that I had no outstanding bills. I looked up XXXX XXXX XXXX XXXX and their phones just ring until you get a recording that specifically mentions if you have a billing question to call a certain number, that number also just rings and rings. The letter from CMRE states that have tried to collect this outstanding balance multiple times, yet I have never once received a bill. I do not know what to do at this point, because I do not owe anyone money, but these people are falsely stating that I do.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

this account was not open by me XXXX XXXXBalance details 0 % paid off Balance {$410.00} Balance updated XX/XX/XXXX Original balance {$410.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary 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 PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MI)

the account keeps reoccurring charges after being closed. 
this has been going on for 18 months. 
today an account that was closed in XX/XX/2023 was billed {$24.00}. and is now late affecting my perfect credit score. 
Apple Card GS Bank
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

To whom it may concern, I disputed more than XXXX times on the phone regarding your request HO-6 insurance and escalated the insurance coverage certificate that I provided but your insurance team and servicing keep ping pong the issue each other and ignoring my proof insurance documents that the original mortgage company already accepted. My insurance agent told me that should cover the mortgage lender requirement based on the XXXX guide line. It covers Walls-In and I do n't have any improvements in the house so the current insurance certificate should be good enough as attached. 
I discussed XXXX ( loan servicing manager ), XXXX ( insurance supervisor ), XXXX ... but they just sent me letter saying that they will purchase the expensive insurance {$730.00} and will pass it to me which is not fair and very frustrated. 
I also have XXXX more investment houses in the same complex ( XXXX HOA ) with other lenders such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX but they never complained the HOA insurance certificate and never request HO-6 to me since this is a investment rental house. HO-6 insurance is for the primary resident homeowner not for investment homeowner according to the insurance agent. Please contact my insurance agent at XXXX any further question. 
If you have any question, please email me at XXXXXXXXXXXX or call me at XXXX.
Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (OH)

I went to the best school i could get into, which was admittedly not cheap. While applying for student aid, I was redirected from the XXXX website to SallieMae. I took out almost {$79000.00} in loans, thinking that they were federal and thus eligible for income-based repayment. I was misled by SallieMae, who told me that I would have these options, even though they are not available for my loan type. I 'm now at a point where just over half of my monthly take-home pay is going to student loans, even though I was lucky and was able to get a good job that pays decently well. I 've been told multiple times that I have no other option to lower my payments through SallieMae, and am at risk of default because I ca n't lower my payment. If any unexpected expense pops up in my life, I will have no choice but to default.
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I had a credit card account with my credit union ( XXXX County XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - XXXX ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on Transunion, XXXX, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ).
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CONDOR CAPITAL CORP (NJ)

In the year XXXX got a financed car and to have a new credit I approved a financial in New York by " Condor Capital " always pay my payments a day, but already for XX/XX/XXXX that vehicle sold and when approached the payment date call the financial to notify you the cause of the late pay of my payment for that month they told me that I would put a note in the system, next month still Bank that would finance you vehicle to whom I sold it had not approved the loans but had asked the news who had my loans, that gave them to understand I knew that there was a process of actual sales. The process of closing hard 3 months because it was a personal loan was paid entirely to my Bank and my complaint is that they I reported on my credit late pay for the 3 monts XXXX and think not just because knew the situation and was to pay them.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (AZ)

I was having Discover checking account which i closed during XX/XX/2015. But i am still getting emails from Discover Bank with various promotions and advertising their services. Worst there is no way i can unsubscribe to these emails as there is no unsubsribe link in the the emails.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: E*TRADE BANK (NC)

On XXXX/XXXX/2015 I received a refund check from the Pennsylvania treasury in the amount of {$2500.00} via regular mail. I attempted to deposit it into my joint check account with my wife using Etrade mobile application check deposit. Initially it went thru but later I noticed that the bank rejected it and charged me XXXX and upon calling the bank and asking why they told me that the check was considered 3rd party based upon my last name being first and first name being second. I was advised to just mail in the deposit with a deposit slip which I did. Etrade bank received the check on the XXXX/XXXX/2015 and I noticed that they did not deposit it, after calling, emailing and more calling I was advised that the check is still considered a third party because my last name is first and that due to new banking laws they can not deposit it. I was told to fax them a letter of instruction changing my name on the account and then they maybe could deposit my check. I provided a letter of instruction citing that my name is as it appears on the check with the last name being first. I was told that the check name needed to be changed in order to process it. I called Pennsylvania Treasury and was advised that this is something that they do not do and that all checks are issued with the last name first. I advised the bank of this and was told that there is nothing that they could do. Etrade bank also refuses to return my check citing they must hold it for 20 days before returning it. In the meantime Etrade bank is hitting with service fee 's in the amount of XXXX each and to date there are {$300.00} in fee 's that they hit me with because they refuse to deposit my check. I have also been charged XXXX for the rejection by the mobile application. I do not have access to my funds and Etrade refuses to return the check.