davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : Experian XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Open
Consumer complaint received 2016-04-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

Been having issues with Bayview Loan Servicing , LLC ( Loan Number XXXX ) since they or the mortgage company they represent purchased my mortgage from XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX. Many charges have been applied/charged to my escrow from the beginning, the most disturbing charge was the increase of my mortgage on XXXX XXXX, from {$1200.00} - {$1600.00}, an increase of {$380.00} due to their Annual Escrow Account Estimation for XX/XX/XXXX, which included the full amount of taxes that would be due for XX/XX/XXXX. However, I 'm in a Tax Relief Program because I 'm a XXXX and my current income, and only required to pay {$38.00} annually for my property taxes. 
I have provided tax relief documents to Bayview for XX/XX/XXXX and XX/XX/XXXX but they continue to show I 'm in the rear with my mortgage. They continue to send loan modification documents which I have not requested. 
I want my statements to reflect my correct mortgage payment which is now {$1400.00} due to this year 's increase of 1 % from 3-4 %. Any associated fees charged due to a loan modification request credit back to my escrow account. 
One of the documents state that I had requested a loan modification, I have never requested a loan modification through Bayview. I had received a loan modification through XXXX initial payment started XXXX XXXX, XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was shocked to see that incorrect accounts appeared on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were mistakes that came out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. The wrong accounts didnt disappear. Im really upset about this and Im asking that the documents Ive provided be thoroughly reviewed so I can stop worrying about this happening again.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Response to XXXX XXXX XXXX Statement Regarding Alleged Loan Account Dear XXXX XXXX Support, I am writing in response to your communication dated XX/XX/year>, regarding the complaint I filed concerning the inaccurate reporting of an account allegedly associated with me. 

First and foremost, I have never done business with XXXX XXXX. I am a victim of identity theft, and this alleged loan was not taken out by me. The name associated with this loan, XXXX XXXX, '' is not my legal name. My correct legal name is XXXX XXXX XXXX, and this discrepancy has been verified by Experian, XXXX, and XXXX, proving that the name on the account is incorrect. This further supports the claim that the reporting of this account is erroneous and violates the Fair Credit Reporting Act ( FCRA ). 

As you are aware, the FCRA requires furnishers of information to report accurate and complete information. The reporting of this account with the incorrect name and without proper validation is a direct violation of 15 U.S. Code 1681e - Compliance Procedures. In addition, you have not provided sufficient proof to verify that this account belongs to me. 

I formally request that you provide the method of verification for this alleged loan, including any bank account information or other relevant data that was used to open and disburse the loan. If you can not provide such proof, the inaccurate information must be removed from my credit reports immediately. 

Additionally, your statement regarding the FDCPA and the company not being a " debt collector '' is irrelevant to my request for debt validation under the FCRA. The obligation remains for Possible Finance to furnish only accurate and verifiable information to the credit reporting agencies. 

I expect this matter to be corrected promptly. Please provide written confirmation that this account has been removed from my credit reports, or if not, provide the method of verification used to report this account in the first place. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-07-21
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. (FL)

I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MS)

Also attached, please find mortgage invoices. Please note the alleged difference in interest rates, yet the monthly obligation remains unchanged as of this date. However, according to bank representatives, the rate was supposed to have been lowered several months ago after I completed the entire mortgage process and was awaiting closing, I was told that I did not qualify for a XXXX loan because my loan was a home equity, and not home mortgage. ( Please see attached email ) As you will note, nothing on my mortgage documents state that it is a home equity ( as I 've been told many times by mortgage representatives and stated on invoices ), but it clearly states home mortgage. Written notification of denial was not received until approximately 3 months after loan application was completed and complaint was filed with CFPD ( credit score in XXXX )
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I contacted Experian over the telephone to discuss an item which was on my credit report.The item in question is State of Michigan Office Child Support, I originally talked to one of their customer service reps about this item and they had stated that this item was placed on my credit report due to lack of payment which I am not disputing I was sick I had XXXX and I did not pay for two to three months this was XX/XX/XXXX.How could this still be on my credit report. When I viewed my credit report it states that the payments begin becoming late XX/XX/XXXX and XX/XX/XXXX that is incorrect I have paycheck stubs to prove that during this time they garnished my wages for the amount due for the weekly child support.So in fact if it is XX/XX/XXXX it has been on my credit report for over 12 years which I can prove and it should be deleted immediately.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (IL)

I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America reversed fees that were charged to my account by XXXX. There was a world wide computer glitch on XX/XX/2016 the day my child & I were scheduled to travel. I had travel insurance from XXXX. Which is a {$100.00} rip off. It claims to compensate the traveler for lost luggage, delays etc repatriation, up to {$25000.00} but it is pointless to buy as they could not help me at all. I bought tickets for myself and my child to fly from XXXX to XXXX because her father is in XXXX. The glitch happened as we were at XXXX airport & no one called us to say it was impossible to change the tickets. It is XXXX, we have a negative {$800.00} account & it seems bank of America will not look at the internet to see that there REALLY WAS A WORLD WIDE computer glitch that caused XXXX a serious problem, and that travelers are getting refunds.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Charge-off accounts extending statue of limitations and in violation of FCRA section 623 15 USC 1681S-2 responsibilities of furnishers of information. XXXX XXXX XXXXXXXX accounts payment history XXXX, XXXX, XXXX accounts XXXX, XXXX XXXX  account XXXX. Duplicate accounts repeated across all three credit reporting agencies and XXXX has inquiries that are in violation of 15 USC 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AL)

I have 2 store cards with XXXX XXXX and I lost my job on XX/XX/XXXX and havent been able to pay the minimum balance. On one of the cards I suppose to have the CC protection that would protect me if I lost my job. I talked to XXXX around XX/XX/XXXX or so to ask for some type of payment extension because I otherwise pay early or on time and I pay extra. They refused and now I get at least 25-30 calls a week from unknown numbers and numbers with area code ( XXXX ) and ( XXXX ). It has gotten so bad to where I had to block the number and now I have 31 voice messages.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

After agreeing to pay my monthly payment, the representative, XXXX, pushed me to send my private banking information to her to try to enter me into a program that she would not give me full details and information on. I refused, stating that I did not trust the company with my financial information and that I would be paying the monthly payment as scheduled. She connected me to her manager, who attempted to pressure me into giving private banking information like before. I declined and stated that I did not trust their practices and that in the past, I had been deceived and misled by their company. Therefore, I did not wish to give out any more information than was necessary to process my payment. The manager, XXXX, then began raising her voice and speaking over me about her trust in the company and defended her position, which was never in question. I told her I wanted to explain my reasoning and she yelled over me stating she did not care and would not listen. Dumbfounded, I informed her of how rude and unprofessional she was acting, and how it was not reflecting positively on her company if that is how she speaks to customers. She yelled at me one last time saying she did not care and then hung up on me. When I called back to file a formal complaint, I was told they would listen to the call and get back to me, but then proceeded to attempt to defend the managers actions and demean me. I asked for the information as to filing a formal complaint and also inquired as to if I was able to file a complaint on a separate website, and the representative became livid and rude, stating it was not her job to tell me how to file a complaint. This company has never been helpful, and has repeatedly harassed and verbally assaulted me as a customer. It is shameful and unprofessional.
Consumer complaint received 2017-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Co-signed loan. Date of loan XXXX-XXXX-2010. Loan amount is {$10000.00}. Seven years later, the unpaid principal is {$10000.00} and the variable interest rate is 14.25 %. The interest and late fees are creating an installment loan that will never be paid off, thus my sons loan will perpetually haunt my credit. Im XXXX. I would like to retire one day and buy a retirement home. But due to Navient and this loan, it will come at a higher cost. Even if i give in and pay off this loan for my son, i still have an adverse event on my credit until I am XXXX years old. And what will that teach my son about responsibility for his own actions? I see he made payments on time. Seems like i should be able to get a release now.
Consumer complaint received 2016-08-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NY)

My wife and I have had an account with Wells Fargo ( formerly Wachovia ) for about 28 years. I deposited {$11000.00} into the account. Well Fargo froze the account " in case the money is XXXX. '' About this time, my wife wrote XXXX checks, # XXXX for {$1500.00} and # XXXX for {$2.00} to a contractor. The contractor tried to cash the checks and his bank said that they were not being honored by Wells Fargo. Unfortunately, the contractor asked my wife for XXXX more checks for the same amount and she complied ( numbers XXXX and XXXX ). I called Wells Fargo and asked why they did n't honor the first checks and they told me they were concerned that about the deposit being drug money. I pointed out that there was already a balance of more than {$4400.00} before I made the {$11000.00} deposit. They told me that XXXX set of checks had cleared, with {$4400.00} being withdrawn from my account and the other set had not cleared. I asked them to stop payment on the XXXX that had not cleared and they said that they would ( Reference numbers XXXX and XXXX ). Later, I saw my statement and saw that all XXXX checks had cleared so that {$8800.00} was withdrawn from my account. I called Wells Fargo twice : the first time the person handling my call for a long time while she talked to her supervisor and told me that they would get back to me. They did not get back to me. I initiated a second call and again I was put on hold a long time while a supervisor was involved and they told me that they were n't going to put the money back in my account ; I should ask the contractor to return the duplicate money. Later, they sent me a letter suggesting that I ask the contractor to return the money. We have had exhaustive talks with the contractor. He had not finished done any more of the job ( front porch ). He did give us {$1000.00} back, but no more. It has been almost two months. I little hope that CFPB can make the contractor do the work. I am hopeful you can persuade Wells Fargo to return the money for the checks they failed to stop payment on. Then, I would only be out {$3400.00} to the contractor.
Consumer complaint received 2016-05-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc. (LA)

I was called by a lady whom insisted that received services for XXXX and XXXX, for which I explained that i have NOT received any such services and she became adamant and rude to me threatening to send this account to collections. I asked for company information that is saying I rec 'd these services and she just rudely insisted that I should know all of that since i was the XXXX to rec. the services. She would not give me any information, she would not transfer me to a manager when I asked for one and she rudely hung up one me.! LRS XXXX is a hoax collection agency with 'out of the streets ' rude people working there trying to scare people into giving them money!! Then another lady spoke to me and again refused to give me info about these services supposedly I rec 'd, refused to pass call to a supervisor and also threatened me with collection and hung up on me.
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Central States Recovery, Inc. (KS)

I contacted XXXX on XX/XX/2016 to request a letter to send to XXXX to confirm that XXXX accounts that we had paid in full to XXXX were paid in full and their was not a current dispute that they were showing for these accounts. XXXX themselves were not showing that information regarding these accounts were reporting correctly. XXXX refused to provide any such letter or proof to either myself or XXXX to try to get the issue resolved. They claimed that they had reported correctly and they will again update it with XXXX and that " we would just have to wait ''. The employee with XXXX claimed that she was the only supervisor and that she had spoken with her legal department that verified that they would not and could not provide any such documentation that the accounts had been paid and resolved to either me the person whose request by XXXX to have a letter with their name information the account numbers and notification that the debt had been paid and verification that there were no open disputes.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Received TRANSUNION credit file # XXXX dated XXXX/XXXX/XXXX and noticed that ( 1 ) XXXX has been reinserted ; ( 2 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account ; ( 3 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 4 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 5 ) XXXX Bank was deleted and now reinserted, also reported in remarks as " Bankruptcy Dismissed ''. As stated in attached letter, these accounts were never incorporated into original bankruptcy file. Bankruptcy ( Public Record ) was deleted from file in XXXX. TRANSUNIONs ' data does not warrant these accounts being reported as adverse accounts.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (GA)

Walmart was advertising a {$25.00} credit on a new card account if the customer bought so much in merchandise. The promotion read something like, " Open an account today and get a {$25.00} credit when you purchase {$50.00} or more. ". As it turns out the customer only gets the {$25.00} if he makes the purchase that same day. If I had known that I would have waited until I was ready to buy. After XXXX statements and about {$1000.00} spent, I contact Walmart to ask where my credit is and I get the " gotcha '' news.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On XXXX 2005, I signed the mortgage on a property that my wife was purchasing. I did not signed the note. The property was further awarded to my former wife at divorce. I have requested the servicing agent OCWEN to delete this account from my credit report. Ocwen has denied my claim. I have requested copy of the original NOTE, OCWEN has not provide, they has stated that they do not have it. I have exhausted my efforts to get this matter corrected, unfortunately, Ocwen does not want to correct this inaccurate reporting.