davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (CO)

Attention : Consumer Financial Protection Bureau File number : XXXX XXXX XXXX-XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Colorado XXXX DOB XX/XX/XXXX Company Disputing : Seterus, Mr. Cooper Disputing to remove Late Charges for the Months mentioned below. 
Phone : XXXX Email : XXXX This dispute is regarding my ex-mortgage holder, Seterus ; that claimed late payments on my report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted the company that purchased Seterus in XX/XX/XXXX, Mr. Cooper. In XX/XX/XXXX I requested that these claims be removed from my credit report, they responded with a letter XX/XX/XXXX claiming that they are required to report payment history accurately and altering credit information would be reporting inaccurately to the credit reporting agencies. 
Document 1 Letter from Mr. Cooper Document 2 Proof of Monthly  payment for XX/XX/XXXX, from bank statement. 
Document 3- Proof of payments for XX/XX/XXXX and XX/XX/XXXX from bank statement. 

I provided these same documents to Mr. Cooper and I still received no assistance. 
I would like CFPB to assist me with the continuation of this dispute, and assist me in gaining some consideration from Mr. Cooper, who has clearly stated that they didnt acquire Seterus at the time that these late charges were filed with the credit agencies, so they do not feel responsible. My position is that Seterus no longer exist, nor do they have a customer service department that continues to help its previous customers before the acquisitioning by Mr. Cooper. 

Furthermore, I have filed disputes with the three credit reporting agencys ( XXXX, XXXX, XXXX ) and I have had no success even though I provided the same documentations, they are contacting the same company which has already responded in a letter of their lack of interest due to they had not acquired Seterus at the time that these late payments were filed, so they feel they are not responsible. 

I am requesting that the late months in question be removed from my credit report and shown as paid on time, for I have provided the documentation to substantiate this decision. I currently can not apply for a mortgage loan because of this incorrectly reported information, your expedience would be greatly appreciated. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I have multiple reoccuring charges from XXXX ranging from {$88.00} to {$120.00}, dating all the way back to XXXX, i disputed this with wells fargo and they denied it, they clearly didnt do their research because that was not me. They never once called or emailed me on regards to the case. They just closed it randomly, this is fraud on their part
Consumer complaint received 2019-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have made numerous attempts to obtain validation for this debt have received nothing that is valid to support that this is my debt. I am attaching all of my attempts to resolve this issue which has been going on for atleast a year. The company has not been able to provide any contracts and or documents with my signature to validate this debt and this is really caused me a lot of damage to my credit report and my ability to obtain credit.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I wrote a dispute letter to Experian on XX/XX/2020 Asking them to send me a physical copy of the Documentation ( Consumer Contract ) that they have on file, That was used to verify the accuracy of my accounts. That is stated by FCRA section 609 ( 15 u.s.c 1681g ) they refused. All I ask Experian to do is follow the federal guidelines of FCRA and provide me with a copy of the documentation they used to verify my accounts and they failed to do so. On XX/XX/2020 they updated the accounts as verified without sending me any proof of any documentation.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MO)

I received a notice on XXXX XXXX that I had a collection for a bill dated XXXX XXXX, XXXX I think, when I called the Hospital to as about this alleged billed the Hospital denied knowing anything about any bill in my name since I have never been there. I have lived in another Country since XXXX and only return to america once a year.I had disputed the same bill from a different collector a few weeks before which was proved false now a new company is trying the same thing and affecting my credit.Each year this same amount ( {$220.00} ) seems to appear over and over again. Please resolve this issue it is a fraud.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but Equifax keep rposting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (FL)

About 2 weeks ago I was looking for a credit card with 0 % introductory rate on balance transfers. I curently have just under a {$7000.00} balance on a card from another bank. I did some research online to find the best card for my situation which lead me to the Wells Fargo Platnium which has 0 % rate on balance transfers for 18 months. ( XX/XX/20 ) I applied online an during the application process I enter a balance transfer request of ~ {$7000.00}. I clicked through and finished the application and when I finished I was instantly approved ( with a hard inquiry ). But, the limit I was approved for was only {$1000.00}. I immediatly called to request a higer balance, obviously {$1000.00} limit will not do me much good if my only intention was transfering a {$7000.00} balance in the first place. Over the phone they told me I must wait 7-10 days for my card to arrive and be activated before I can request to have the balance incresed. ( XX/XX/20 ) Once the card arrives I speak to a rep over the phone and after 30 minutes they deny my request for a higher limit. So I immediatly cancelled the card because it was no use to me. 

In short, they advertised a 0 % rate on balance transfers with no aparent limit, during the application I gave the exact ammout I would need to transfer, they made a hard inquiry damaging my credit report, and approved me for an ammount well below what I requested.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (CA)

My bank keeps taking out funds without my authorization. I know if it is below XXXX they will take out an administration fee plus a XXXX dollar paper fee. Then this is done on the XXXX of every month. I had XXXX put in over XXXX months ago, with miscellaneous illegal fees. It is with PNC bank. Could you please help me with this transaction
Consumer complaint received 2020-02-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACS Education Services (VA)

Consumer complaint narrative I received a letter from the XXXX XXXX on XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/ which The company was ACS. Plus ACS did not show up in court in XXXX  for the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these XXXX XXXX and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them XXXX ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and XXXX isnt named on court papers so they are threatening me and my company. 

What XXXX sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.
Consumer complaint received 2020-02-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AZ)

In XXXX of XXXX I paid my XXXX mortgage paymet payment via phone and payment was confirmed verbally by an employee on the phone. Two weeks later the money was still in my bank account so, I phoned PRMI to find out what happened. They stated that the routing number of my check by phone had been transposed wrong and they verbalized their error and were unable to take my payment by phone at that time as my payment was now late. I attempted to speak to corporate to try to resolve the issue and get back on track however ; they hung up on me. I later paid it through my XXXX account as I usually do and they reported me to the credit bureau for their mistake. I am concerned about a mortgage company not being up to date on routing numbers and this proves that their billing practices need improvement as we know routing numbers are common knowledge and this should not have even happened in the first place. I am again having issues with PRMI as I made my XX/XX/XXXX payment through my XXXX  bill pay and the did not accept payment. I phoned XXXX  and I have a proof of payment and their decline of my payment. How can a mortgage company refuse payments? I am concerned as they are affecting my credit by not accepting my payment and then reporting me to the credit bureau this is unfair and very concerning.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (IA)

I recently started using XXXX XXXX  and noticed an account placed in collections with MRS BPO from the original creditor XXXX XXXX. I closed an account with XXXX XXXX about three and a half years ago. I was never given any final bills or notices about amounts owed other than what I received in my email as I was enrolled in paperless billing. I was NEVER given notice that this account was placed with MRS BPO and only found out about it due to the credit monitoring site. I have no contact information for the company and was not given instructions on how to dispute the debt. I attempted to contact the original account holder ( XXXX XXXX ) and was unable to obtain copies of my former account statements or get any information about the debt. I have no idea what these charges would have been for and was only given a phone number for MRS BPO by the XXXX XXXX agents. They told me to call XXXX to speak with another " department '' about the account. I called the number during the stated business hours and reached a recording stating they were closed and to call back during regular business hours. MRS seems to be a 3rd party debt collector and my credit score has been negatively impacted because of their reporting on a debt that I was never notified about and do not even think is valid. This has been reported as a derogatory account for 5 months and I can not speak with anyone to get it removed/resolved.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

RE : Transunion Credit Report. 

I have several Credit Inquiries I have No Knowledge of requesting I have contact Via US mail the creditor and also Transunion To No Avail. 
These Inquiries listed below Were not Aurtorized by me and transunion or Creditor has not removed. 

XXXX XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2 unauthorized inquiries XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2- Unauthorized Inquiries XXXX XX/XX/2019 XXXX Unauthorized inquiry XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX XX/XX/2019 XXXX Unauthorized Inquiry As I said I have contacted Via US Mail and Phone calls The Creditors and Transunion, Creditors had me contact Transunion and Transunion Had me call back Creditor, I feel they are Not acting Fairly with this. 

Regards XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (WI)

My complaint/frustration stems from the lack of communication during two ( 2 ) attempts to secure a Home Equity Loan. I was denied because I did not have sufficient income. I explained there were more expenses on my XXXX Taxes than normal because of major repairs to my rental property. I was told I could reapply once received my XXXX Taxes because they would reflect a more accurate expense account. I reapplied and was denied again because the lender couldn't verify employment. My husband is my employer and their policy is a family member can not verify my employment. The problem with this decision is we were never offered an alternate means to verify employment. They were using my prior credit report and because of delays/lack of communication, I would need to have another credit pull. I do not want an additional hard inquiry on my credit file. Especially when it could have been avoided if the lender was more responsive. I feel I was discriminated against because of my employment status and made to feel like I was being dishonest.
Consumer complaint received 2020-02-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (TX)

I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX for - {$36000.00} @ 10 % APR. I experienced 2 layoffs by early XXXX and fell behind on my car payments. Ally Financial refused to accept payments to allow me to address the past due amount. They wanted a lump sum payment or nothing at all. They hired a lawyer, and I hired a lawyer - I agreed to return the vehicle without getting to speak to the Judge ( they filed a Motion for Summary Judgement ) with the understanding that that would adhere to the following : Per FCRA, a consumer has the right to reinstate a loan, rather than a lump sum demand. No written notices provided with specifics on the following : A. Private Sale, B. Auction Sale, C. Letter of Deficiency Balance They have not sent me any written communication regarding the vehicle. They have the vehicle, XXXX that I have paid in monthly payments and now want another {$66000.00}. These are unfair and deceptive practices.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXXXXXX XXXX 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 in those account to be removed.

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. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-07
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. (MS)

I recently saw a unfamiliar account listed on my credit file without my permission or verification. I filed a dispute demanding that the company provide me with a XXXX document signed in WET INK by while being of sound mind and body to sign such document. Electronic signature are not sufficient as anyone can sign electronically. As a consumer, I have the right to these documents and as the data furnishers, reporting information that has not been validated by me or ignoring clear XXXX violations to do so is illegal. In the likely event that this comany decides to reply to this dispute with cookie cutter automated replies such as " verified as accurate '', I demand proof of documentation of such verification and the methods used to " verfiy '' this account in writing per FCRA regulations. I demand that this account be deleted immedately from my credit file unless all documents and proof can me mailed to me via certified mail.