davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently, I requested a copy of my  XXXX  Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file, as  XXXX  the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is ov er five years old and should not be reporting  on my file at all.     The report shows a conviction for Failure to  Appear  from  XXXX   XXXX ,  2010 . The corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract f rom the Secretary of State. Ple ase find that the aforementioned conviction is not reported my driving abstract as the conviction was vacated.     Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the last five years I responded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.
Consumer complaint received 2017-08-03
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: EQUIFAX, INC. (GA)

I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX collection agency. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I have submitted a previous claim on this issue and the lender, Wells Fargo contacted me and strung me along just long enough for the claim to expire..I believe they are frauduantly trying to take my house by saying they are going to do a loan modification and at the same time as initiating foreclosure proceedings which is commonly known as dual tracking..I have submitted all the paperwork as required by law and they keep delaying by saying they did n't receive them or they have to review them which never leads anywhere.They also told me not to make my payment until the modifiation was completed and I feel that is only to get farther behind and they are delaying me hoping to have the property awarded back to them through foreclosure..
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (AR)

I received a settlement letter fro m ProCollect Incor porated stating they are offering me a settlement of 50 % off the total amount that I owe on the account they have from the creditor they are representing, Landings at  XXXX   XXXX   XXXX   XXXX  . Additionally, the letter stated that if the settlement amount, which is {$60.00}, is paid by  XXXX   XXXX ,   XXXX  , they would delete from my credit reports. The letter also states that the payment can be made via online at  XXXX . I made my payment online on  XXXX   XXXX ,   XXXX  , and received a confirmation email that the payment has processed. However, I received a telephone call on  XXXX / XXXX /  XXXX   from a representative  from ProCollect stating th at the payment did not process because settlement payments can not and are not to be made online which is totally different what it is indicated in the letter. I was also informed that they could not take my settlement payment unless I paid for another account that I have with them. This stipulation is not indicated in the letter either. Therefore, the payment I submitted was not processed and the settlement offer indicated in the letter was rescinded even though I complied with the terms set forth in the letter. Additionally, I was informed that even though they sent me a letter for a settlement offer on the other account, which I did not receive, because I did not receive the letter I could not have the settlement and would have to pay the full amount of the second account.     They are committing fraud and deceptive collection practices. The money was and is readily available for the account which I pay on  XXXX   XXXX ,   XXXX   and the terms set forth in the settlement and deletion from credit report letter should be honored. The account which I paid was  XXXX . I have supporting documentation.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.
Consumer complaint received 2024-10-17
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Requested debt validation with proof of original.signed contract with my wet signature. This company only supplied statements and that is not debt validation. Please provide requested signed original contract or remove debt from my credit report
Consumer complaint received 2024-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

I opened a checking account with Citibank on XX/XX/year>, and subsequently deposited {$6100.00} to this account through what Citi called as " Enhanced XXXX XXXX ''. Citibank promised a {$450.00} dollar opening bonus following at least {$6000.00} of such deposit. 

On XX/XX/year>, Citibank abruptly closed my account and terminated all my online banking access, citing that they are " unable to verify recent account activity '' on my account. I have called Citibank multiple times through their contact numbers but the customer representatives consistently failed to provide me with a solution to withdraw my funds from the closed account. I have visited the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/XXXX, and I was told by the representative that my fund will be mailed to me through a paper check within ten days. However, as of XX/XX/year>, I have never received anything from Citibank. I would like the CFPB to urge Citibank to immediately refund my deposit from the closed account, as well as the {$450.00} opening bonus as Citibank promised when I opened the account.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I XXXX XXXX walked into U.S. Bank on XXXX XXXX XXXX and deposited {$90.00} XXXX XXXX {$50.00} bill for {$10.00} bills to a male teller. I didnt see the deposit on Wednesday and went back to the bank. The teller said he recognized me because we had talked about XXXX and he would take care of the funds. He took my card and my drivers license swiped it and said it was all taken care of, the deposit still not made the corporate XXXX number they told me go to the branch they were no help. I called the branch XXXX from another US Bank said he would take care of. It contacted the branch XXXX of the branch on XXXX XXXX XXXX and told me it would be taken care of in a few minutes that was on, Thursday the XXXX I called again on Friday spoke to the person in charge of disputes. She contacted the teller who contacted us Friday the XXXX and said it would be taken care of. We still dont have the money. We have no explanation from the company {$90.00} has been taken from us. We want our money deposited into the account.
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized inquiries on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX 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 2017-04-28
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. (NY)

a derogatory payoff report for a debt owed to  XXXX   XXXX  reported by  XXXX   XXXX  is on my credit report but it is a debt incurred and paid off by my father for a service he signed up for at his address in Fla. I have nothing to do with this debt but because we share the same name it has somehow ended up on my report but the credit reporting agency listing it has refused to remove it from my report.
Consumer complaint received 2017-04-28
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: Bread Financial Holdings, Inc. (TX)

I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.
Consumer complaint received 2017-04-28
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: JPMORGAN CHASE & CO. (TX)

I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.
Consumer complaint received 2024-08-28
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

CMRE  continuously sends bills that have not been updated to represent the current balance. Even upon logging into the website to verify the payment has n't been crossed in the mail, the real time website has not been updated.     When I called they said that it was updated and that my payment had posted, but I have a dated print out proving that it was n't. This makes it impossible for me to pay my bills because the account is n't updated.     They are also trying to collect interest on a debt that the original medical facility was not collecting interest upon. I have verification of this FACT. I also have a call out to their attorney representative to confirm their policies and verify no interest bearing contract was ever into by me.     I have wasted so much time trying to straighten out this CMRE 's lack of attention to detail regarding their billing. I have VERY DETAILED notes and ledgers.     All I 'm asking if for them to keep their end of the deal, and update their payment records correctly and regularly WITHOUT FRAUDULENT interest included, and send CORRECT bills.
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (WI)

XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX illegally garnished my state taxes without suing me first and acquiring a court ordered garnishment. They took {$270.00} out of my XXXX state taxes as of XX/XX/XXXX and I finally received a notice on XX/XX/XXXX. 
XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX never contacted me prior to illegally taking {$270.00} from my state taxes. 
XXXX. I did send photo id, notice, proof of sale and a statement to PAM at they requested on XX/XX/XXXX by mail. This has been refused just to delay the process. Since then I have received even more citations. 
XXXX XX/XX/XXXX I drove to the XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and spoke with an XXXX XXXX XXXX XXXX who researched and pulled up proof of the sale and that the plates were cancelled. The plates had expired on XX/XX/XXXX and the XXXX XXXX XXXX was sold to XXXX XXXX on XX/XX/XXXX. 
XXXX. PAM who is associated with the XXXX of XXXX, XXXX XXXX XXXX XXXX, both make it impossible to try to correct incorrect parking citations by calling them, emailing them, and/or speak to any XXXX face to face.. I have had XXXX phone conversations where they have called me and a mail correspondence. I dove to the South Payment Center @ XXXX XXXX XXXX XXXX as directed by XXXX XXXX XXXX on XX/XX/XXXX. At that payment location I was told to call a number that is directed to XXXX with no way to talk with a person ( call made at XXXX on XX/XX/XXXX. 
XXXX visited XXXX XXXX on XX/XX/XXXX where he stated that the City of XXXX, XXXX of XXXX XXXX XXXX not properly doing their job as I should not be receiving citations on this as my vehicle has a recorded sale in the system stating that XXXX XXXX XXXX XXXX owner of the XXXX XXXX XXXX and that my plates were expired. 
XXXX. Many of the citations are are on other vehicle and the plates are not valid not have been since XXXX. The plates have been stolen.
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (NC)

My automobile lease maturity date is  XXXX / XXXX /  XXXX  . I paid  XXXX  's payment in full on  XXXX / XXXX /  XXXX  . No other monies should have been due from me and I scheduled to turn the vehicle in by  XXXX / XXXX /  XXXX  . However, Southeast Toyota Finance still sent me a billing statement dated  XXXX / XXXX /  XXXX   indicating I owed another full payment due  XXXX / XXXX /  XXXX  . When I called to inquire about the amount due, I was told I did not owe anything. I asked the lady why the statement was sent to me and she said that it happens on all leases close to the maturity date and that people often pay the amount and then have to go about requesting a refund.   I am submitting this complaint because I think it is a terrible practice to ask for payment from a consumer that is not due. Additionally, it sounds like a KNOWN practice and Southeast Toyota Finance should implement controls to ensure it does not continue.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Ocwen  /  XXXX   XXXX . Sent me modification paperwork, while the paperwork was still under review  by Ocwen they submitted our home for foreclosure. I have never received any notice from Ocwen about  the foreclosesure. The only reason I know about the foreclosure is from all the advertisements in my mail as well as people driving by ( which is scaring my children  ) and pe ople calling me. I received notice  XXXX / XXXX /  XXXX   that  Ocwen will not modifiy my loan. Based on the modification letters and dates, Ocwen never planned to modify my loan. I still have never received any thing from Ocwen  stating they were going to foreclose. I am a single parent with  XXXX  kids at home,  XXXX  of the children are   XXXX   XXXX   XXXX   XXXX  and have special medical equipme nt. One of the  children was born   XXXX   XXXX   XXXX  , only has a   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and spent over a month a  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  level   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , he has   XXXX   XXXX   XXXX  . My children and I have been through alot.    Ocwen is terr ible with paperwork, dates, payments, amounts, etc. Their information is incorrect on most of their paperwork and documents. I sent them a QWR letter to request verification last year On some of the things I asked they could not respond since they did not know.   I realize this is short notice, but I just received the information.   Thank you for your time.    XXXX   XXXX   XXXX
Consumer complaint received 2017-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted each individual creditor only to be told that they can not assist me in getting this off. I explained to them that I did not initiate a request for credit and that by law they should not access my credit without my consent. They went on to say that I will need proof that I did n't initiate the request. I have tried consistently to work with them and to no avail they just ignored me or told me that they can not help me.
Consumer complaint received 2017-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

First and foremost I have filed three complaints with CFPB and each time I fax the number on your website to provide additional documentation it is never uploaded to my account to reflect faxes sent on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and so on for case  XXXX  Ditech also known as Green tree servicing LLC reallocated my funding incorrectly.   They have sent a representative to my home on  XXXX / XXXX / XXXX , they have sent me two collections letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  when my loan was prepaid as on  XXXX / XXXX / XXXX  until  XXXX / XXXX / XXXX .  Ditech  is fabricating response letters and resolution letters being sent to me after a failed resolution to fix my payment allocation went unanswered for 10 months. Proof of that is a recorded call with their  director  who states the only  XXXX  wo letters in the system are two lett ers sent in    XXXX   XXXX   XXXX   a nd  XXXX   XXXX  which I relay to her was never received. The reallocation of their initial application of my bimonthly payments they allege they did was done incorrectly. If applied correctly, principle balance would decrease because they were provided extra payments. However their reallocation reflects that my principle balance increased so please explain to me why are you CFPB closing my complaints without uploading my additional documents  # 1 a nd then closing it when there still remains outstanding issues  XXXX   XXXX
Consumer complaint received 2022-09-03
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: VEROS CREDIT, LLC. (FL)

XXXX HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS XXXX XXXX, VEROS CREDIT WICH THE WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO THE IN INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY