davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I check my credit report XX/XX/XXXX I seen all these things on my report I have no knowledge of. I immediately contact Equifax - I have so many dispute case numbers that Equifax email back to me I have them all printed out. I ask Equifax to verify these accounts - Equifax will soon reach out to me by mail or I can view the status online it states these accounts have been verified and I should reach out the company itself. I being to write the company 's all certified letters and I have all my certified receipts that the letters were received. Instead of the company 's sending me verification I received statements or invoices - letters. I still have these letters and all of the letter along with statements invoices were submitted to Equifax. I disputed inquiries yet still the same thing they have been verified and I need to reach out to the company and when I reach out to the company Im directed back to the credit bureaus. I have been going through this now for a year and a half and nothing verified. XXXX XXXX sent me a letter stating the account is listed as disputed and they will forward this to the credit bureaus so I waited and waited and yet still right today that account is still there. Then Equifax removes some accounts and since then have added them back with dates open as XX/XX/XXXX. After going back and forth with Equifax for one year since XX/XX/XXXX this have left me XXXX. I wrote Equifax regarding XXXX aka XXXX I was told to contact the company I contact the company just asking for PROPER VALIDATION of the accounts and its been a year and I have not received. EQUIFAX needs to realize they have broken the rules and laws and at this time Im not seeking compensation Im asking that I wait no longer just removed now
Consumer complaint received 2017-01-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TCF NATIONAL BANK (TX)

I am writing this letter to file a formal complaint against Gateway One Lending & Finance. On XX/XX/XXXX I purchased a car using XXXX. The contract was quickly assigned to Gateway One Lending. On XX/XX/XXXX I had a car wreck. My car was immediately taken to XXXX. The repair bid is attached. The insurance carrier and Gateway had a conversation regarding my car being totaled. But upon the insurance carrier speaking to me, I was told the car would be repaired. On XX/XX/XXXX I spoke to XXXX at Gateway. He informed me that it did n't matter if the car could be repaired, that Gateway does not finance totaled cars. I immediately went out to purchase a new car. See attached sales contract. My wrecked car was still in the shop being repaired and was completed. The insurance company paid for the vehicle. Gateway was informed. They later came to pick up the car and sent me letters stating I was liable for the difference. See attached letters. 
I am a person who pays her bills. I have excellent credit reflecting that I pay my debt. I stopped paying this car only after I was told they would no longer finance my car. 
At this point I have been dealing with this matter for a year. I am not asking for any emotional or financial damages. I only want the item removed from my credit report. 
I hope you can assist me in this matter. I am trying to avoid filing a law suit against Gateway.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

My lender, Citizens One Mortgage falsely reported to the credit bureaus that I was late on my mortgage payment. I learned of this error when I tried to refinance my home. I was denied because of this error. I contacted my mortgage company and told them I required a letter stating that I was not late that month. They told me it would take 30 days to research. 30 days passed and I received no resolution, then I received a letter saying it would take 45 days because it required more research. After 45 days, then I received a letter that acknowledged the error on their part, but would not state that I was n't late which is what I told them I needed in order to move forward with my refinance. When calling customer service they urged me to speak with their refinance department which made me suspicious that they were holding up my document to force me to stay with their company. Multiple emails and phone calls and still no resolution. After fighting this issue now for two months I have received a letter stating that the error will be updated in ninety days, so an error that was not my fault is taking six months to resolve which is costing me money I desperately need and my mortgage company refuses to provide the very simple request of a piece of paper that states I was not late on the month in question. They will and have provided letters admitting they made an error, but they refuse to provide what I need to refinance my loan. How can a mortgage company be permitted to make errors and then abuse their victims with no repercussion?
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I sent Springleaf financial a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed accounts listed on my Transunion credit file. Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Transunion has exceeded the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion Credit Bureau has ignored my request to provide me with the document that their company has on file that was used to verify the account I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA* they are required to " promptly delete all information which can not be verified '' that I have disputed. Thank you for your prompt attention to this matter.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

On Saturday, XX/XX/2016 I tried paying auto note via phone but given automation. Disconnected me. I tried a second time. Told note {$430.00} rather than {$350.00}! Called again today, XX/XX/2016, and spoke to Wells Fargo XXXX to clarify why the increase. 
Told by that office and XXXX of the XXXX that late charges of {$79.00} added. I asked why when her office had set up XXXX of each month to make payments rather than XXXX. I have not gotten the results promised by Wells Fargo XXXX as also told CFPB. No record of " XXXX '' changing payment due date to XXXX said XXXX in XXXX of the XXXX.
Consumer complaint received 2016-12-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

Today XXXX XXXX, 2016 ; I received correspondence from XXXX XXXX and Wells Fargo detailing my payment history which is attached in the scan. The only payment that Wells Fargo failed to report is the XXXX made via telephone directly from my account XXXX XXXX XXXX, to Wells Fargo. Which is listed in my scan and taken by XXXX XXXX. ( XXXX assistant ). That payment covered the XXXX payment and is current and up to date, the only payment due is my XXXX payment. It is troubling that with the evidence of paid payments and history. Wells Fargo continues to deny that an error was made, the only way to move forward from the XXXX rating Wells Fargo currently holds, is to atone for the past mistakes, fraudulent banking practices and mis-applied funds, made to thousands of customers of Wells Fargo. Additionally, by Wells Fargo reporting my mortgage payments as late or unapplied, this practice had led to a drop in my credit score and refinancing. The fact that Wells Fargo refuses to report my loan to the credit bureaus, due to Wells Fargo not re-affirming the loan to my then attorney XXXX Law Office. This practice of not reporting my loan, by the way was not mentioned in the package sent to my home on XXXX XXXX, 2016. If you need confirmation as to the re-affirmation documents not provided to the courts, feel free to contact XXXX Law Offices and speak directly to XXXX XXXX at XXXX XXXX XXXX XXXX. He will gladly provide the information and explanation in depth, due to my obtaining the paperwork directly from his offices as requested by Wells Fargo. This matter is of the utmost importance and requesting a full investigation. As I have stated before, this is not the fault of anyone else except the shoddy and incomprehensible bank practices of Wells Fargo.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NM)

I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. The XXXX listing with a credit limit of {$29000.00} ; according to my Experian report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished. 

My previous report dated XXXX/XXXX/XXXX for account {$12000.00} clearly shows that it was 60 days past due as of XXXX of XXXX. 7 years from that date XXXX+7years= XXXX XXXX. This item should have been deleted from my report in XXXX of XXXX. XXXX has re-aged this item and continues to report an item that should have been deleted over a year ago.
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAVALRY INVESTMENTS, LLC (SC)

I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have been disputing information on my credit report with equifax , XXXX and XXXX in regards to identity theft. I have contacted them directly as well as the account that was opened fraudentaly in my name. ( XXXX ) ... ..They refuse to delete this information off my report. They just keep saying they have verified it is mine. I have written letters made phone calls ... .etc and getting no where. I feel the credit reporting agency 's are not doing a complete investigation. Having someone use my name and open up a credit card for this department store is negatively affecting my credit score. I am also being penalized for something I did not do.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Application processing delay — 
Company: BARCLAYS BANK DELAWARE (CA)

Applied for a XXXX credit card, have excellent credit, not a great card in terms of interest rate, however I like flying XXXX and the bonus miles offer is intriguing. Submitted my offer and they demanded a copy of my social security card, a utility bill and my drivers license. I have never had to go through this for a mortgage loan, I said no way. The card is managed through Barclays Bank
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

My mortgage company, Everbank, is purchasing hazard insurance and charging me for it, saying that they do not have evidence that I have my own hazard insurance. This property is a XXXX, and the XXXX has a master insurance policy, and I also have an additional hazard policy with XXXX. Everbank is aware of the XXXX policy, but beginning in 2015 they began charging me for a XXXX Master policy, saying they would refund the charge when I provided evidence that my XXXX has its own policy. I have submitted evidence of this insurance to them SEVERAL TIMES, but they continue to claim that I have not, saying its not the proper insurance coverage. Additionally, each time I speak with them about this they change the type of insurance that they claim is missing. First it was liability, then it was hazard, then fire, and most recently it is wind coverage. Despite several phone calls to Everbank over the past year, not only have the charges not been removed as promised, they are charging me again this year. I have never missed a payment, never been without insurance coverage, and I have complied with their requests to the best of my ability every time they have asked for information or proof of coverage. It should also be noted that Everbank was not a mortgage company that I chose to do business with. My original mortgage was sold to them without my knowledge or consent, and now they are charging me for things that I am already paying for, even though I have submitted proof to them several times. I have spent many hours trying to get this resolved to no avail, and every time I call them I have to start over with a new agent that tells me the same thing and does nothing to help resolve the situation.
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2016-12-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In early XX/XX/XXXX, Bank of America suspended my Home Equity Line of Credit. After a couple of weeks trying to find anyone who had any clue what was going on, I was finally told " it 's being closed because you use it as a transactional account ''. I explained that reason was nonsensical, and that my loan contract provides specific reasons why the account can be closed. I read each reason, and was told each of them do not apply. The response was simply that Bank of America can do whatever they want, and since the decision was made they do not have to justify it. I insisted on speaking to a supervisor, and was promised a callback from a XXXX. I never received any calls. 

I submitted a CFPB complaint in XX/XX/XXXX about this matter. After " looking into it '', it was simply reiterated that they 're closing it because it was " not used as intended ''. I explained there is no specified intended use, and closing it is a breech of contract. I was then told that they havent closed my account, just suspended it, thus there is no breech of contract. I then had to point out that my contract has reasons why the account can be suspended, in addition to reasons it can be terminated, and it was becoming obvious that no one at BofA had actually read the contract to which they are bound. At which point the representative became non-responsive, only repeating that the reasons do not matter and BofA can do whatever they want with no need to justify it. I again requested a supervisor to deal with this blantant non-responsive response, and was promised a callback within XXXX hours. No call was received, and all further attempts to followup has resulted in my voicemails being ignored. 

At the advice of the CFPB Ombudsman, I am resubmitting this complaint in the expectation a new XXXX Representative will treat it seriously and actually research the complaint, and address the issues involved.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Collection Bureau, Inc. (MI)

I have received numerous automated calls telling me to call back United Collection Bureau. Whether I answer or let it go to voicemail an automated recording tells me to call back. When I call back I give my name and nothing else. They want me to providentify further information, address, workplace phone and address, etc. They will not tell my why they called other than they are trying to reach me. Their calls are becoming more frequent. I have not received any written communication from this entity. They are harassing me without telling me why.
Consumer complaint received 2016-11-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

My parents and I recently refinanced the mortgage on our house via XXXX XXXX. They sold the FHA loan to Penny Mac. My first payment is due on XX/XX/2016. I logged into Penny Mac on XX/XX/2016, set up an online account with Penny Mac and set a payment date for XX/XX/2016 in the amount of XXXX. XXXX was for additional principal. I logged in on XX/XX/XXXX to see if the payment went through and it still said pending XXXX. I check my bank account on Monday and only the monthly loan cleared and no the extra XXXX. I logged back into Penny Mac and there is no record of my additional payment. I checked my emails and all they say is payment was received and to check their message center. I checked their message center and it only reflected the loan amount and not the extra towards principal. My dad was right beside me when I made the payment in the amount of XXXX. How did it magically drop to the required loan amount only? When i called about this, I was hung up on the first time. It took over 30 minutes to get through the next time and then their rep said it would be a fee. He did n't see the XXXX I put towards principal. I was furious. This is my very first payment with this mortgage company. After requesting a supervisor, he said he could take the extra principal payment over the phone. Since Penny Mac does not email you what you paid including any extra principal, escrow, etc in the email confirmation, nor does their website retain the payment information that you submitted, I asked if I would need to screen shot every payment from here on out. I just read through XXXX negative complaints about Penny Mac and how they mess around with people 's payments. How can a company like this stay in business when its practices are so shady? I should n't have to take all of these extras measures just to pay my loan on time with a little extra going towards principal.