davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit XXXX agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-06-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Educational Financial Services ( Servicer ) misapplied payments for XX/XX/2015. I have XXXX loans with the servicer and I make a single payment every month for the XXXX loans. The XX/XX/XXXX and XX/XX/XXXX payments were not applied to the principle balance of XXXX of the XXXX loans as prescribed by the loan amortization schedule. Additionally, upon inquiring with a CSR at the servicer, they were not able to explain the action and attributed it a broader processing integrity issue with their servicing platform ; They were not able to assure me that previous payments were processed accurately and I am concerned. 

Additionally, I paid of the loan as of XXXX/XXXX/15 as a result of refinancing the loan with another lender. However, on XXXX/XXXX/15, the servicer drew a payment from my XXXX XXXX XXXX checking account and applied the payment to the paid off loan. I am concerned that there are pervasive processing integrity issues with Wells Fargo 's student loan servicing platform and their ability to process payments completely and accurately. To aggravate the situation, Wells Fargo has a policy of terminating a borrowers access and deleting their on line profile upon loan pay off. As a result I am not able to access current and historic detailed payment information and statements, thus impeding my ability to at gather the information I need to determine if there are further inaccuracies with the way payments were applied. 

Finally, The servicer is dragging their feet with returning the over payment drawn from my bank account and applied to loan and now will not refund the payment timely.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Experian has allowed XXXX to report buy now pay later accounts to my credit report. After disputing the accounts multiple times they refuse to remove them even know these types of accounts are not suppose to be reported to the credit bureaus. XXXX has also refused to remove the accounts as well despite it going against the credit reporting rules.
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

RUSHMORE LOAN MANAGEMENT SERVICES LLC / XXXX XXXX, Customer Service Representative. This business continues to contact me, about an account that was transferred to them from XXXX XXXX XXXX, this account is in dispute, due to XXXX XXXX XXXX not being able to provide the SIGNED documents on the XXXX XXXX XXXX REFINANCE, that was acquired by them in XXXX of 2008. XXXX XXXX XXXX ca n't provide the information on the XXXX electronic transfer of funds, which was part of the XXXX XXXX XXXX REFINANCE. This account is in dispute.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Other* Details Wells Fargo is my mortgage servicer. I have been in the process of divorce for almost 3 years now which is what put my mortgage into foreclosure. At the last hearing, the attorney for Wells told me and the clerk of court they would give me an additional 90 days if I requested it to work out my legal issues. I requested 90 days and they gave me 45. They requested a final divorce decree and a quitclaim deed. I was able to obtinain a divorce decree and am currently in the process of negotiating the quitclaim deed. The court system in XXXX county has been extremely slow and we have had no success negotiating individually. It is my plan to request an emergency hearing with the judge to force my ex-husbands signature which should not be a problem. The court has already found he has abandoned the marital home. They also filed an injunction to keep him from forcing the home into foreclosure. I have requested an additional 45 day extension on my foreclosure date so we can complete the remaining legal issues. I am one week from my foreclosure date and Wells told me today they will not give the extension and they will not review my file. When I asked what the appeals process was they told me there was n't one. When I asked who made the decision I was told they would not give me that information. I feel like they sent me on a very expensive and time consuming wild goose chase to keep me busy while they continued the foreclosure process. XXXX XXXX handles my account and it takes over a week to get in touch with him. I have provided every legal document they have asked for and call daily to see if they need additional information. The 45 days I am asking for would total 90 days which is what I was told they would give me in the first place. I am confident we can get the quitclaim deed but they need to give me the time needed to get it. Because my ex-husband refuses to sign any papers I need the quitclaim to do a loan modification. If the house is sold we have nowhere to go. I live in the home with my XXXX children and XXXX is XXXX. I am not asking for more than the time promised and I have done everything they have asked of me
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (ME)

In XXXX I rented a home XXXX .I only rented the home for about 9 months. I had XXXX as a internet and cable provider. Around XXXX XXXX contacted me and stated that I owed them {$200.00} for unpaid cable bill. I told them I had not lived there for years and I had paid my bill and had my services turned off when I moved back XXXX. They insisted that I pay this bill 2 years after I had moved out. The last two times in XXXX and XXXX I have applied for credit this shows up on my report. I do not owe these people one dime and yet they filed a negative report. The people of XXXX are crooks ...
Consumer complaint received 2015-06-25
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Whipple Law, P.A. (CA)

I received a letter from Whipple Law, P.A. ( the " Law Firm '' ) regarding collection of my credit card account with XXXX XXXX XXXX in XX/XX/XXXX. On XXXX XXXX, I contacted the Law Firm regarding payment options of the debt. I spoke with XXXX XXXX who provided little to no information on the debt collection process and reporting my updated status with the credit bureaus. After making several calls to XXXX XXXX XXXX and the credit bureaus I received the information I needed to move forward. XXXX only demanded my payment. In an attempt to improve my credit worthiness, I paid the Law Firm in full the amount owed on XXXX XXXX, XXXX. I have demanded a letter stating my account was paid in full three times. Each time XXXX promised to send the letter. Upon further reading of XXXX 's email I see he is a Paralegal. His email signature states the following : XXXX XXXX Para-Legal Debt Collector Whipple Law, P.A. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Fax : XXXX XXXXXXXXXXXX As of XXXX XXXX, XXXX, I still have not received my letter verifying I paid the amount in full. AS a result, I can not update my credit report. The time to receive the letter is unreasonable and unprofessional. 

Regards,
Consumer complaint received 2015-06-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I attempted to open a bank account with Wells Fargo and was denied. I was advised that my denial was based upon a reporting to XXXX by XXXX XXXX XXXX. I asked if it was reported to XXXX because I have monthly alerts from XXXX and there is no record of XXXX bank on my credit report. The Wells Fargo representative stated that it was not XXXX because if it was I would still qualify for a XXXX chance account. He gave me a paper to contact Experian and was certain that the reports to the credit bureau was the reason for my denial. I pulled all XXXX reports and there is nothing reflecting XXXX bank. May I please know the accurate reason why I was denied an account so I can attempt to resolve the issue? 

Thank you.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2015-06-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (CA)

I 'm writing to complain about what I think are excessive Late Fee charges over time. After deferring payments on this private loan for the maximum time, a year, because I was n't earning enough income to make my payments, I had to start making payments. I was fortunate enough to get a XXXX job so I could do that but my payments were still often late over a period of XXXX years, so I was charged many late payment fees. Those fees have totaled over {$350.00} so far and I think those are QUITE UNFAIR AND EXCESSIVE, especially considering my interest rate on this private student loan is over 12 %. Congress needs to write laws regarding the maximum late fees allowed yearly on private student loans. Having these private loans has certainly discouraged me from getting more education, something that would certainly benefit me in the job market. So my question is, is that what excessive LATE FEES and ridiculously high student loan INTEREST RATES are supposed to do? Are they supposed to DISCOURAGE people from pursuing graduate degrees? Is that what Congress thinks will be BEST for the economy, or do n't they think in those terms?
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MD)

I am a XXXX year veteran of XXXX XXXX. Can short sale banks be held responsible for pushing around buyers of short sale homes. My XXXX time buyers have diligently responded to Short Sale Bank for the last 7 months. After receiving the go ahead approval letter with my buyers spending money on inspections, appraisal, etc., Short Sale Bank wants their appraisal doc. to see if the value has gone up for the last 7 months while they ( bank ) negotiated the short sale. They have once again postponed settlement while they reevaluate the price. How can a bank, no one else, open sale price up after committing to a written contract price while they took their time completing the approval process. 

XXXX.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My wife and I filed for bankruptcy under chapter XXXX on XX/XX/XXXX and was discharged on XX/XX/XXXX. We thought that after the discharged of the bankruptcy we had a clean slate. Since then we have obtained few credit cards and pay all on time. We also maintain our home mortgage payments on time. In other words we have never been late on any account payments since XX/XX/XXXX. 
We recently applied for an Equity Loan from the XXXX XXXX XXXX to effect some repairs on our home and we were rejected because of : Serious delinquency, numbers of accounts with balances etc. XXXX XXXX XXXX based their decision on the fact that all XXXX credit reporting agencies still list on our credit reports all the accounts that were discharged in the bankruptcy. I think is very unfair to based their decision on our financial problems prior to the bankruptcy since according to our laws we supposed to have a clean slate after we painfully were forced to file in order to save our home. 
I am a veteran and I feel XXXX XXXX XXXX should give us a XXXX look
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (MA)

I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (AL)

I WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU.
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX has an FHA loan and submitted a completed package at the end of XX/XX/2015 He works for XXXX and on his paychecks that were submitted, it is noted that he received BONUS income called XXXX, a retention bonus offered by XXXX. It is offered XXXX a year but is not something that any employee can BANK ON. It is listed on his year to date income and on his taxes that were submitted XXXX Two years worth ). We have asked and answered this question verbally XXXX TIMES and sent in a signed and dated letter on XXXX XXXX. Bank of America keeps stating that this information has been submitted to the underwriter the day before but everyday I call ... .they say the same thing. We have been lied to time and time again or sent to a manager who is out of the office until XXXX XXXX. It is amazing to me how Bank of America can lie and lie on the phone and say they do n't have information that has been provided to them over and over and over again on an FHA loan. I have contacted the FHA resource center and they too do not respond. What is a homeowner to do when no one keeps these loan servicers in check. When a month goes by without a loan servicer processing a loan modification, the file goes stale and then the homeowner has to provide all the same documents they have already provided on a timely basis. Then it takes another month for the bank to review them and then lo and behold, they are stale again. We had these problems with Bank of America back in XX/XX/XXXX and in XX/XX/XXXX they are just as bad. Now they have a new process where to speak to the Customer Relationship Manager, one has to make appointment. I had an appointment today for XXXX and no one called. I called BofA to find out why no one called and they said sometimes the relationship manager is not in, but I should wait until XXXX just in case? What? I have to wait around for a XXXX for an appointment for the possibility that someone might call me? How does that work? NO ONE CALLED. So you call and get false information. You provide timely information that is ignored. You schedule a return call that does n't happen. Yes, things have returned to the good old days at BofA of really bad loan servicing and this is an FHA loan.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I escrow my homeowner 's insurance, which was due on XXXX/XXXX/2015.The check from my mortage company arrived XXXX/XXXX/2015. I had to pay {$660.00} of my own money to keep the policy in effect ( which my insurance company will now refund me ). My morgage company ( XXXX XXXX XXXX XXXX uses XXXX ) representatives have been very nasty and unhelpful. They claim that they never got a bill from XXXX XXXX XXXX before XXXX/XXXX/2015. XXXX XXXX said that they sent bills on XXXX/XXXX/15, XXXX/XXXX/15, and again on XXXX/XXXX/15 which they then paid.
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Ocwen refuse to change my mortgage payments from XXXX to XXXX .my mortgage for XX/XX/XXXX is XXXX ocwen has n't explain to why I am paying additional {$360.00}. Ocwen has poor customer service and I feel as if they are forcing me to lose my home I emotionally stress.this is the XXXX complaint I do n't understand how this company is not under investigation by the government.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (CA)

I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.