davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

My name is XXXX XXXX and I have been seeking help for loss mitigation from Flagstar bank since XX/XX/XXXX( when my husband moved out ) I spoke with an agent there and they told me since my husbands name was on the loan that he would have to fill out papers with me or have my divorce decree that states me awarded the marital home XXXX XXXX XXXX XXXX, MI XXXX. My divorce was final XX/XX/XXXX. I was awarded the home and filled out another application and faxed it XX/XX/XXXX for loss mitigation at Flagstar Bank. I called mid XXXX to check on the status and they told me they never received it. I then re-submitted the application via uploading it to their website on XX/XX/XXXX Since my loan was a FHA loan I then contacted HUD agent XXXX XXXX who then became in contact with someone at Flagstars loss mitigation center. Tuesday,XX/XX/XXXXXXXX contacted me via email stating Flagstar had once again not received my new application. She then sent me another email stating she spoke with someone at Flagstar and to send them the missing documents ( XXXX XXXX award letter and Divorce decree page 10 ) by Thursday XX/XX/XXXXit would give them time to review my case. On WedXX/XX/XXXX I uploaded the XXXX XXXX award letter as well as page 10 of my divorce decree via flagstars website ( I have attached the proof of me uploading these documents ). Late XXXX I called Flagstar and they 1told me it was too close to the for sale date to review my application. Yesterday XX/XX/XXXX I called to request a log sheet of when I have called and they told me I have to have a court order to do that. So I am coming to you for help. I purchased the home for {$82000.00} and they are selling it sheriff sale for {$45000.00}. I dont understand why they cant help me reinstate my mortgage that is currently at {$78000.00} but can sell it under me for {$45000.00}. Any help is greatly appreciated. 
Thank you for any help resolving my issue, XXXX XXXX ( XXXX )
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (TX)

American Coradius International has been calling family members and harassing them about a " XXXX '' credit debit they say I owe. I do n't have a XXXX account, I 've never had a XXXX account and I 've never had XXXX credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach XXXX to this complaint to inform them of the complaint. 

American Coradius International is not to contact me by phone again or make any attempts to reach me by phone again.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXXXXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BB&T CORPORATION (NJ)

Below you will see that my account was supposedly charged and overdraft fee. {$36.00} which is not what I have the problem with. If you look on top when I click to view the item it says as you can see " overdraft details unavailable ''. When I call the bank they can not tell me what was returned or paid so we play let 's guess what overdrew my account. When I call the phone number on the notice XXXX there is always a 30-40 minute wait and to be honest I have never had that call answered after putting the phone on speaker and waiting. I filed a complaint with the Banking Commission but they dumped it back into the laps of BB & T to handle so I do n't know what the purpose of the Banking Commission serves. To me this is a violation of UDAAP since the bank will not give me information I need to pay the person who had their item returned. I will get a notice in about two weeks telling me but I need that information now. This is a common practice of BB & T that has happened to me numerous times. They refuse to give real time banking on certain items.

Overdraft Details Unavailable This PDF is currently unavailable. For assistance, please callXXXX ( XXXX ). 

ndingtransaction date XX/XX/XXXX Credit BB & T BUSINESS ONLINE TRANSFER - TRANSFER FROM CHECKING - XXXXXX/XX/XXXX {$1400.00} Pendingtransaction date XX/XX/XXXX Debit BB & T BUSINESS ONLINE TRANSFER - TRANSFER TO CHECKING - XXXX XX/XX/XXXX{$1200.00} XX/XX/XXXX Debit TRANSFER TO CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} {$210.00} XX/XX/XXXX Fee RETURNED ITEM FEE ( Details View|Save ) Receive a notification if your balance is low. Manage Alerts {$36.00} XX/XX/XXXX Credit TRANSFER FROM CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} XX/XX/XXXX Debit INVOICE PAYCHEX EIB CAM PROPERTY MANAGEMEN ACH CORP DEBIT {$150.00} {$250.00}
Consumer complaint received 2024-11-06
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. (CA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

( XXXX XXXX ) : ( Account Number : XXXX ) I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. 
In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt this complaint may result in a small claims action against your company, for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX 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 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 XXXX 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

I am XXXX XXXX XXXX XXXX, I was on a Overseas XXXX XXXX from XXXX. On or about XX/XX/XXXX we received extended Orders on my XXXX XXXX which extended my XXXX XXXX. I had been in the process of looking for an apartment in XXXX XXXX, TX at the XXXX. I communicated with XXXX XXXX via email that I was currently XXXX and had limited access to internet and communications. On XX/XX/XXXX I notified them our printer was not working and I would not meet the deadline. According to the written correspondence if I didnt submit the documents by XXXX MST, then they would not be able to move forward with the application or hold the apartment. At that time I had not provided a deposit, so it is their policy for a courtesy hold 24 hours. I contacted them via Satellite phone that my XXXX had been extended until XXXX, but no exact date had been provided. Therefore, due to the extenuating circumstances because of my XXXX XXXX and XXXX  XXXX I didnt know when I would be coming back and would start the process when I returned from XXXX. While XXXX, I received a XXXX XXXX XXXX XXXX, for me to XXXX immediately upon my XXXX. Within 30 days of me returning from XXXX XXXX, I received my XXXX XXXX XXXX XXXX XXXX. I received Temporary Housing at XXXX XXXX due to the short window between my XXXX  XXXX and XXXX to XXXX XXXX, NC. I received Collection Calls from Hunter Warfield on behalf of XXXX, stating I owed the XXXX  money. After repeated requests, on XX/XX/XXXX I submitted my XXXX XXXX, my XXXX XXXX XXXX XXXX, and my XXXX XXXX and email traffic to Hunter Warfield and I was told that the negative remarks and collection account would be removed from my Credit History. This is still on my Credit Report, and I have contacted XXXX, and their Corporate Office about this matter. Based on the email traffic they would not be able to process the application without the paperwork. Additionally, I contacted them and told them that our XXXX XXXX was extended. I should not be charged for a deposit, when I was told it was a courtesy hold until they received the paperwork, I notified them the extension of my XXXX XXXX.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

I originally thought the debt owed was my adult sons bill. After further review this debt the company is trying to collect has been paid in full. This bill was paid on the day the services was rendered. I paid {$300.00} my deductible at the time. Also the company has invalid date of service on the bill. The service date is XXXX XXXX 2016. Also the company name is different from where I received my service. I received services from XXXX XXXX XXXX XXXX not XXXX XXXX XXXX. All are most of the third party that trying to collect the debt information is incorrect. I will attach receipt of payment. This was pai with my XXXX XXXX  Card.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Starting in XXXX of XXXX, I texted my salesperson XXXX XXXX and I called XXXX XXXX XXXX, er Service to ask for copies of the receipts for my purchases and that I was disputing the balance owed to them. The receipts are the long strips of paper generated when I made the purchase, signed by me and describing the purchase. 

Every month I spoke with XXXX XXXX to remind them I had not received the requested receipts and that I was disputing the balance. When Capital One closed my account in XXXX XXXX, XXXX XXXX Customer Service failed to notify Capital One who owns their credit cards that there was a dispute over the balance owed. 

XXXX XXXX returned merchandise to me that I never received. They refused to file a claim for the lost merchandise with the shipper, XXXX XXXX. They refused to acknowledge that I was asking for a credit for the lost merchandise. 

This failure has caused my account to be closed and damaged my credit score.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (OH)

After reviewing my credit report I see that GM Financial has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (MN)

Automotive Credit Corp. is falsely reporting I owe them. the truck that was on the loan was totaled XXXXXXXX XXXX Paid their portion And Gap paid theirs. 
A.C.C falsely reported on my credit and owed amount and I disputed it and was found correct. Not days after they added another owed amount like I missed a payment in XXXX It seems their deliberately messing up my credit. They charged off a dollar amount then added a new amount as if I owed and missed a payment. 

They have the power to destroy Peoples credit and their doing it to me. 

I co signed for that loan for a friend because they had bad credit.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I purchased a XXXX XXXX gift card online in the amount of {$500.00}. 
I received the gift card on XX/XX/XXXX and it was n't active. I also received an email from XXXX XXXX XXXX stating once I receive my order, activate my card by clicking on the link provided in this email. I clicked on the link provided and it said : " Gift card has already been sent for activation ''. Despite numerous attempts in receiving assistance regarding this matter, my gift card still does not have the funds loaded onto it and {$500.00} has already been deducted from my credit card. As of XX/XX/XXXX, my card is still not active. Please help.
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I filled out a loan modification on XX/XX/XXXX, no one from Carrington has contacted me I have since called them 4 times (twice week of XX/XX/XXXX) (twice in XX/XX/XXXXXX/XX/XXXX) for follow up information on the modification. I was told in XXXX the modification application was complete and someone would be contacting me no one has called. When I called in XX/XX/XXXX I was told they needed last three months of Profit and Loss statement for our business. However, no communication was given to me and I would not have know this unless I called. I did however, receive documentation sent on XX/XX/XXXX that my loan had been sold to XXXX XXXX XXXX XXXX. I am guessing because I filed a modification but Carrington is not willing to help us. I also went to receive assist from the NC Foreclosure Program and have been requesting mortgage statement from Carrington and they will not send me the information. They stated because I was in a bankruptcy but I have requested my mortgage statements several times and I have not received anything. I need those statement to receive assistance through the NC Foreclosure Program.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

In XXXX 2016, I noticed a derogatory tradeline on my credit report from Wells Fargo in excess of {$4900.00}. I was not familiar with this account and given recent revelations about Wells Fargo 's unethical and illegal practices regarding millions of fraudulent accounts, I requested, in writing, that they provide me with specific details associated with this account ( # 1 in attached ). 

Not only did Wells Fargo ignore my lawful request for information regarding a tradeline that they were reporting, they subsequently verified same with each of the 3 main bureaus - each instance a clear violation of Federal and State ( TX ) law. Wells Fargo continued this behavior on multiple occasions, despite my repeated requests for information. 

After months of my requests being ignored and the tradeline repeatedly being updated, I notified WF of their illegal activity ( # 2 in attached ) and demanded that they immediately cease reporting this account which they refused to apprise me of. This request was also ignored and the reporting continued. 

I ultimately reached out to XXXX XXXX, CEO of WF, directly ( # 3 in attached ), advising him of my experience with his company and asking for assistance. He, also, could not be bothered to reply to me or have anyone follow up. Their illegal reporting of this tradeline, that I have NEVER been provided with details of, continues to this day.