davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-11
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. (TX)

Recognize a few inquiries on my XXXX Recognize a few inquiries on my XXXX Equifax and XXXX report that I have not authorized. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX INQURIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and remove them immediately in my report : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

On X/XX/2017, I sent a letter to XXXX, Experian, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
Consumer complaint received 2017-08-01
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: Experian Information Solutions Inc. (MO)

X/XX/2017 and XX/XX/2017 I noticed credit inquiries that I did not authorize, made by XXXX XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I asked Experian to validate this infomation with XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that they maintain under my Social Security number and send an updated copy of my credit report after deletions. Experian continues to send me notices that this has been verified.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Wellsfargo acct number XXXX XXXX XXXX. This bank has been applied my payments for XX/XX/XXXX to XX/XX/XXXX to the wrong account. I am willing to pay the amounts due and late payments.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust is manipulating the timing of the posting of transactions to customer accounts to profit from excessive overdraft fees. Currently there is no logic to how transactions are posted to accounts, other than to maximize the fees SunTrust is able to charge. A customer could charge a transaction at XXXX XXXX on a Wednesday that is posted and settled to their account prior to a transaction that occurred at XXXX XXXX. on the same day, even though both charges appeared as " processing '' on the account from the moment they were submitted. As a result, SunTrust is processing larger debits before smaller ones, putting accounts into overdraft status unnecessarily early resulting in additional overdraft fees. For example : An account currently has a {$100.00} balance. On Wednesday at XXXX XXXX. a debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. a XXXX debit card transaction is processed for {$100.00}. All XXXX transactions are settled and posted to the account on Friday, two days after the transactions occurred. XXXX would expect the first XXXX transactions would be processed with enough money in the account to cover them and only the XXXX transaction would be assessed an overdraft fee. However, this is not what is happening. Instead, SunTrust will process the {$100.00} transaction first, which overdrafts the account and for which it charges an overdraft fee. It will then charge overdraft fees for the other XXXX transactions since they too are posted as overdrafts. Therefore, rather than charging XXXX overdraft free of {$36.00} ( SunTrust 's current rate ) for this set of transactions, they charge XXXX fees of {$36.00} each, or {$140.00}, a difference of {$100.00} profit for SunTrust by manipulating the timing of transaction processing.
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: TRANSWORLD SYSTEMS INC (OR)

I was in a Chapter XXXX bankruptcy that was XXXX in XXXX of XXXX. A few months later I started receiving collection letters about student loans. I spent hours on the phone trying to sort it out since I had n't received any other notification from any of them. XXXX XXXX XXXX did not want to give me the information regarding the lender and said I had to work with them. I tried contacting chase to get it squared away and thought I had it set up on deferment. In XXXX I got a letter from XXXX and XXXX XXXX offices stating I was being sent to collections. The man on the phone was very rude and I asked multiple times for the information for the company that had the loan and what exactly it was for. I said that I had already worked with the lender and he said that I had to set up payments. He had me concerned that I would have my wages garnished so I started trying to negotiate with him and when I told him there was no way I could afford those payments he got even more pushy. I told him I was at work and could n't do this at the time. I have since received a couple other calls and a letter from an attorney stating a suit has been filed against me and they would like to represent me. I have yet to receive anything about this suit and ca n't seem to get in touch with anyone that will help me. 

The amount on the letter is {$10000.00} and the letter from the law firm is dated XXXX/XXXX/XXXX. 

Letter came in my former name of XXXX. 

I do not find it fair that I did n't get any notification until an attorney is involved.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (CA)

Sent my first formal complaint letter to Capital One back on XX/XX/XXXX requesting to move the inaccurate 30 day late from XX/XX/XXXX on account # XXXX. I sent it via USPS Certified mail ( # XXXX ) and also stated that per FCRA sections 611 ( a ) ( 1 ) they were to respond to my request within 30 days of receiving my request. I never got a response back from them, not within the 30 days that I sent out that letter. even used USPS tracking and have confirmation they received my letter, properly delivered to them. I wrote them another letter on XX/XX/XXXX and shortly after got a letter from Capital One saying they did n't know what account it was, and I did n't give them enough information in my dispute. My account 's late is still reporting inaccurately and negatively on my credit report and they are in direct violation of the FCRA. I do not want to keep writing dispute letters to them and re-sending the same documents and proof of my initial request sent via certified mail.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have repeatedly requested documentation for this alleged debt from LVNV Funding, but they do not respond. I do not have any record of this debt, although LVNV shows it as being from a period where my ability to manage my finances was reduced due to illness. I have offered to pay the full {$430.00} just to have it removed from my credit report, but LVNV does not respond to my offer. I am attempting to purchase a home and this entry by LVNV significantly impacts my credit score and my mortgage search.
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Date open : XXXX Acct # XXXX Started the dispute process with XXXX on XXXX/XXXX/XXXX - than again on XXXX/XXXX/XXXX then again on XXXX/XXXX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now XXXX years old acct open : XXXX XXXX, XXXX account was apparently from what the rep in XXXX told me XXXX XXXX, XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in XXXX that no really the account was charged off in XXXX of XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XXXX of this year we are literally already in XXXX almost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together. 

XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato
Consumer complaint received 2017-11-13
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: Resurgent Capital Services L.P. (SC)

I just spoke with my realtor and was advised that this item from XXXX XXXX XXXX is still being reported to my credit, even though its been proven that this item isnt mine. Ive provided information over to them several of times, just recently the collection agency that they sold this debt to removed the collection item from my credit because it was proven that this debt isnt mine. The same information I reported to both companies and this item is still being reported. I can not move forward in my home buying process with this item still lingering. I need this company to remove this item otherwise I will be forced to provide this information over to my attorney and I will proceed with filing a lawsuit against them
Consumer complaint received 2017-11-11
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. (MI)

Incorrect report of a credit card charge off. It was removed and placed back on my credit report the same day under a different company name. The XXXX was paid in full!!! This was not a charge off!! It was never XXXX XXXX. I want it off my credit report TransUnion practices unfair credit reporting practices and the credit they report is incorrect in addition to only reporting negative reports they are irresponsible more so than they make me look!
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (OH)

I was astounded to find out there was a 30 day mark on my credit report recently for this auto loan. My ex husband has this vehicle and the account is paid on time every month. My ex husband traded this vehicle in for another one and this loan was to be paid off in full. He made all the payments on time, I am not sure why this is reporting a 30 day. I am asking to have the 30 days mark removed from my credit report as a courtsey due to you can see my excellent payment history. I am trying to buy a house and when this popped up, it is seriously impacting my credit and the ability to buy a house.
Consumer complaint received 2015-12-18
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (SC)

I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IL)

I am contacted the CFB regarding XXXX XXXX XXXX, FTC file # XXXX. Company was sent 3 dispute letters by me. XXXX never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX & another again on XX/XX/XXXX. Both statements provided by XXXX were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like XXXX who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from Victoria 's Secret/Comenity Bank! I have been asking for a proper debt validation that company has failed to provide. Instead, XXXX lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
Consumer complaint received 2018-09-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: The J. G. Wentworth Company (PA)

XXXX failed to initiate foreclosure and failed to provide any loss mitigation options in the first 6 months following delinquency in violation of 24 CFR 203.355 ( see also MORTGAGEE LETTER 2013-39 ). XXXX disregarded their duty to comply with loss mitigation procedures. According to HUD guidelines, mortgagees must utilize a Loss Mitigation Option or initiate foreclosure within six months of the date of default. XXXX initiated foreclosure XXXX XX/XX/XXXX ( ~1 year, 7 months after default ). 

XXXX did not abide by the XXXX XXXX XXXX as set forth in MORTGAGEE LETTER XXXX. XXXX deliberately stalled and hampered loss mitigation efforts. Between the months of XX/XX/XXXX and XX/XX/XXXX, the mortgagor was the only initiator of communication over the phone. During this 1 year 2 month period, XXXX did not initiate calls or return calls, made false and confusing statements over the phone, did not offer loss mitigation options, and did not report the correct amount due or balance on account statements. XXXX first offered loss mitigation options in their XXXX XX/XX/XXXX notice of intention to foreclose. At this time, a loan workout application was started and loss mitigation options were first considered and later denied. 

Because XXXX violated 24 CFR 203.355 in multiple ways, loss mitigation efforts made by the borrower were rendered completely hopeless and impossible and allowed the account to fall into arrears to an insurmountable amount. 

I am filing complaints with these agencies that provide oversight to XXXX to report the multiple violations of the Code of Federal Regulations. I am also trying to raise awareness and sound the alarm to a potential and likely scam by XXXX to target certain at-risk mortgagors, whom may already be experiencing financial difficulties, in order to push them into hopeless situations, to strip them of their protections under the Real Estate Settlement Procedures Act, and to defraud them. If XXXX had taken the appropriate action at the appropriate time, and followed the law, I would have been able to cure the default. But as with any consumer that already has burdensome debt, because XXXX ignored my many attempts to seek loss mitigation for over a year, they pushed me into an insurmountable financial situation.
Consumer complaint received 2024-09-06
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on XXXX/XXXX/XXXX via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job ASAP.
Consumer complaint received 2017-11-13
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. (NV)

My name is XXXX XXXX and I have been working on an issue with Experian. They had an account for XXXX XXXX that I disputed some information on. They indicated the account was verified so I decided to go straight to XXXX and ask for additional information so I sent a certified letter using the address that Experian provided and it came back as Return to Sender Attempted- No Known unable to forward. I am confused show did they not have the correct information if they researched it? I have been fighting this for sometime now and would really like this resolved