davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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. (TX)

I have contacted XXXX XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

ON   XXXX /17 a nd  XXXX /17,  two d ifferent lenders attempted to retrieve my Equifax credit report but was unsuccessful due to some type of fraud alert. I have contacted them on both occasions, provided case number and on the last call, was hung up on by the rep when requesting to speak with someone regarding this.   XXXX  Advised that all information needed to be updated so it match and there was no issue in retrieving, although sent in  one 3 prior o ccasions in the past 6 months but was refused.
Consumer complaint received 2017-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I lost my home back in XXXX to foreclosure after being underemployed. I worked very hard to receive assistance with a loan modification through Wells Fargo Home Mortgage and I was unsuccessful. I gave them every piece of paperwork they requested and still received no help. I now have a {$120000.00} balance on my credit report. I do n't feel I was given a fair chance to catch up payments/loan modification which resulted in me loosing my very first house ( purchased in XXXX ).
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act XXXX  account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

On XX/XX/2022, I submitted a claim to Bank of America for 4 fraudulent transactions in the amounts of {$440.00}, {$440.00}, {$440.00}, and {$83.00} totaling {$1400.00}. I received a Temporary Credit Adjustment on XX/XX/XXXX for {$440.00} and {$83.00} ( totaling {$530.00} ). I received a letter stating that my claim was accepted and closed and the amount was paid in full. I never received the additional {$890.00}. 
I have since called 3 times to have this resolved. Each time I have been told that my claim is being escalated and I will receive my funds or a call or email within 24-48 hours. I have never received a phone call, email or any correspondence back regarding this claim from Bank of America, other than the first letter stating my claim was accepted, paid, and claim was closed. Today when calling again, I was told I now have to call back tomorrow to a different department and speak to someone there. 
It is now almost 5 months after I have originally submitted the claim and Bank of America still has not released the funds to me, when the claim has been accepted and is a valid claim. I have been negatively financially impacted by this.
Consumer complaint received 2024-08-15
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. (MD)

I am writing to dispute several collection accounts listed on my credit report that I believe to be fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( 15 U.S.C. 1681i ) of the FCRA requires that credit reporting agencies conduct a reasonable investigation of disputed information and correct or delete any information found to be inaccurate or unverifiable.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MS)

NATIONSTAR OWES ME {$8000.00}, THEY OWE ME FOR LATE FEES, ATTY FEES, INSPECTION FEES, {$500.00} X 4 MONTHS = {$2000.00}. I HAVE PAID 8 MONTHS AHEAD OF MY MORTGAGE DUE TO FALSE BILLING. I WAS NEVER BEHIND ON MY MORTGAGE WITH XXXX, XXXX, NOR NATIONSTAR. 
NATIONSTAR threatened to foreclose on my home in XXXX 2015. XXXX, I paid more than {$17000.00} XXXX thru XXXX 2015, my monthly payment is {$1000.00}. They took false information from bank of am, whom I paid more than {$27000.00} in the past 4 years, never behind and payments went to their bank of am ch XXXX department FOR XXXX XXXX XXXX. MISAPPLIED FUNDS, FALSE BILLING STATEMTNS, HARRASSMENT, THREATEN FORECLOSURE NOTICES IN XXXX 2015 THROUGH XXXX 2015.
Consumer complaint received 2023-04-18
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation (IN)

XXXX XXXX is a debt collector hired to collect a debt I owe to Bridgecrest for a car that is no longer running. They first contacted me on XX/XX/XXXX and left a voicemail. They then contacted various members of my family including my father, wife, sister, brother, and even my wifes ex-husband also leaving voicemails. I called them back on XX/XX/XXXX. They said they do not handle payments at all, so payment arrangements would have to be made with Bridgecrest, not XXXXXXXX XXXX I asked them to please stop contacting my family members, even gave multiple names and I was told that it was notated on my account. I then called Bridgecrest and discussed payment information. 

Since then, they have continued to call multiple other family members of mine and I do have voicemail clips proving they did so. Again, on XX/XX/XXXX I was contacted again by XXXX XXXX  ( not Bridgecrest ) and again, they can not take my payment, yet they continue to contact both me, my wife, and multiple family members constantly even after being told to stop.
Consumer complaint received 2023-04-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Equifax to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-04-19
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 2024-08-15
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. (TN)

Being a knowledgeable customer who is aware of the Fair Credit Reporting Act ( FCRA ), I am utilizing my rights as outlined in Sections 609 and 611 to dispute these errors and ask that they be fixed.

I'm very worried and distressed about the discrepancies that I found because they could negatively impact my credit. It is concerning and unsettling that there might be a detrimental effect on my well-established reputation for upholding perfect financial standing. 

My urgency in this matter is increased by the knowledge that these mistakes may affect how prospective creditors view me. Your prompt action to correct the errors on my credit report is crucial, as evidenced by the potential difficulties I may encounter when applying for credit. 

According to FCRA Sections 609 and 611, I respectfully ask for your prompt response. I sincerely hope that this matter can be settled quickly in order to get rid of the unnecessary mistakes that have been reported on my credit report. 

Finally, I would like to express my gratitude for your quick response to this important issue and my hope that it will be resolved soon. Do not hesitate to get in touch with me if you need any more details or explanation. For your time and anticipated cooperation, I thank you in advance.
Consumer complaint received 2024-08-15
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. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-04-19
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. (NY)

I had student loans that I defaulted on. I was rehabbing the loans as of XXXX with XXXX XXXX XXXX XXXX as the servicer. When the pandemic hit in XXXX, there was a freeze on all student loan payments. The federal government also gave a " fresh start '' to all student loans. ( See : https : //www.ed.gov/news/press-releases/biden-harris-administration-extends-student-loan-pause-through-august-31 ) " This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' Despite this, the servicer continued to report the loans as " In Collections '' with derogatory reports to all credit reporting agencies during XXXX, XXXX, and XXXX. In XXXX, I consolidated my loans, but the old loan accounts from the Dept of Education still show derogatory marks for the time during the COVID pause. 

I've been unable to get anything done by the Dept of Ed or any other agency, as I just want the derogatory credit remarks removed from my reports. The credit reporting bureaus are aware of the loan repayment pause and should not have been reporting derogatory marks onto student loans accounts during this time. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-19
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reached out to the credit agencies regarding some hard inquiries on my credit report that I do not recognize. I am requesting for each inquiry below to be deleted. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you reverify each of these items, and that the inaccurate items be removed from my record. 

XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXXk ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I was notified by one of my credit card companies that an address change was made on my account. Since I did not make that change we immediately closed that account and began the process of opening a new one. Then I checked my credit information and discovered two fraudulent addresses. I initiated a fraud alert, and placed a credit freeze on all three credit agencies. The credit report indicated that someone had contacted Capitol One applying for anew credit card. This was not me. I called Capitol One, but their automated phone system does not have an option to speak to someone directly about potential fraud. I sent a registered letter explaining the problem on XXXX XXXX, but to date ( today is XX/XX/XXXX ), I have not received a reply or assurance that the credit card in question will not be issued. 

Frustrating for someone who is the victim of identity theft when the credit card agencies are unresponsive and do not allow access to someone within their company to monitor and lodge complaints about fraudulent activity.
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (FL)

In XX/XX/XXXX I have contacted TD Auto Finance regarding extended hardship program due to Covid 19 and I was granted 2 months of extended payments for the month of XXXX andXX/XX/XXXX. On, XX/XX/2020 I've contacted TD Auto Finance spoken with an agent and explained that I am still experiencing hardship and I am requesting more time to make payments. The agent granted and approved 2 additional more months payment extension due to hardship for the months of XXXX and XXXX. I had specifically asked the representative was I approved and she replied " yes ''! Representative informed me the next payment will be due in XX/XX/XXXX. However, in the first week of XX/XX/XXXX I began to received phone calls from TD Auto Finance stating my payments are late and have been assessed late charges. After several attempts of calling TD Finance and spoken with an agents I was informed the agent that granted me the two additional extension for the month of XXXX and XXXX was done in an error. According to the agents, the company are only allowed to grant only 3 months extension in total. On XX/XX/2020 I have spoken with a supervisor ( XXXX ) at TD Auto Finance, she informed me that the company only grants 3 months for hardship and it was created in an error. Supervisor stated she was able to approved hardship extension for XXXX and XXXX payment must be paid.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-06-18
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. (TX)

Collections XXXX XXXX {$840.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$840.00} High Balance {$840.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes this account information XXXX XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX {$2000.00} XXXX XXXX  {$17000.00} XXXX XXXX XXXX {$3400.00}
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

Applied for a HELOC with First United Bank and Trust ( https : //online.firstunitedbank.com ). They pressured us to open a checking account with them in conjunction with the HELOC ; we eventually agreed. After 4 months, they began charging a $ XXXX " service fee ''. When we noticed the charges, we called, they agreed to refund the charges and switch us to an account with no monthly service fee as long as we signed up for e-statements. 

They refunded the original set of charges, but did not make any change to the account ; we were still charged a $ XXXX service fee for the next XXXX months before we called again, they agreed again to refund the charges and switch the account type ( totally for real this time... ). We're now waiting to see if the second set of charges are refunded and the service fees stop.
Consumer complaint received 2017-06-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (KS)

I have been in contact with ( XXXX XXXX XXXX ) due to a debt that I do not owe. I have contacted them from XX/17-present for resolution. I have hung up on. Refused managers. Refused validation of debt etc. <P/>This is my second complaint w/CFPB on This same matter. I had never knew nothing about this debt. I have never got a phone call. I had never received anything notifications by mail either. I was not aware of this bill until it showed as a collection debt on my credit report. As of date of service I myself, had insurance. Because of the no identification at hospital. No correct address and the incorrect contact info. I would like this derogatory debt removed from my credit report immediately please. I was refused assistance with resolution just because they could and it did n't hurt them as a company. It only hurts the consumer. Myself. It took the complaint with cfpb to even get an itemized statement. With that itemized statement. XXXX XXXX XXXX agreed to remove debt from my credit report as of XX/XX/XXXX.  This action has still not been done. i have called into XXXX XXXX XXXX on several occasions. I spoke with supervisor " XXXX XXXX on XX/XX/2017 and she advised me that the " trade line deletion was approved and was deleted XXXX XXXX, 17. She refused to send me a letter with that information. I also spoke with XXXX XXXX on XX/XX/17 and he advised me that someone from compliance would be calling me back to follow up on the trade line deletion and the paperwork for verification. I still have not heard any response. I still show the {$790.00} Bill from Creditor : Pendrick capital partners Original creditor XXXX XXXX is still showing from the collection company XXXX XXXX XXXX.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I received {$5900.00} via PayPal from a friend. I have been a frequent user of PayPal for family remittance, goods and services, and other bill payments since XXXX. After receiving the {$5900.00}, PayPal limited my account, essentially locking my ability to do anything - I could not refund, deposit, or close my account. As of writing it has been 20 days since PayPal stated they were reviewing my account to remove the limitation. As a compliance professional, I am well versed in account reviews, onboarding ( XXXX  ), as well as enhanced reviews. I was informed that the review would take 3 days to complete after submitting my documentation showing the legitimacy of this transaction and previous ones. PayPal customer service stated the XXXX XXXX XXXX ( XXXX ), was 3 days. I requested the case be escalated several times - to no avail. PayPal stated I am unable to even close my account. I am unable to call into their customer service line, receive any useful information from their chat function, or use my account. Once this is resolved, I will never be using PayPal again and will advise friends and family to do the same. 

Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX