davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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)

On XX/XX/XXXX, I reached out to the credit via mail to attempt to resolve a creditor reporting on my credit as UNKNOWN. How can a debt be verified if it is unknown furnisher.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (WA)

Friday XX/XX/XXXX I had paid Credence for my direct tv that is in collections, they are the last bill/mail I could find about it. Saturday XX/XX/XXXX {$290.00} was withdrawn from my husband 's XXXX  account for the payment. 

Yesterday Monday XXXX I found out that Credence is not in holding of my direct tv collections but XXXX XXXX XXXX  is. So I called Credence to see if they could send my money back to me so I could get it to the right people. Credence said they have no record of the payment. So I called XXXX at XXXX XXXX, we are trying to refinance our house and part of it is paying the collections off. 

XXXX suggested to wait til Tuesday XX/XX/XXXX ( today ) to called XXXX XXXX  to see if Credence sent the payment to them possibly. So I called Enhanced Recovery as suggested. The lady at XXXX XXXX  told me nothing was sent to them but they are the ones holding the collections. She also told me that Credence shouldn't have taken the money out when they are not in holding of this collection account let alone me being able to even access the website for payment. She recommended calling Credence back to find out why they still withdrew the money. 

After i got off the phone with XXXX XXXX  I called Credence to find out the information. The lady at credence said again they have no record of payment or it being with drawn from my husband 's hapo account even though I have a saved pdf of the account showing Credence withdrew the {$290.00} from the account as well as the receipt from making the payment. 

Credence is withdrawing money not within their holdings and claiming no records of such withdrawing 's or payments being made. 

I need that money back so I can get to the right company holding my direct tv collections.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX XXXX Numbers : 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 Correct Numbers : ( XXXX )
Consumer complaint received 2024-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I received an undated notice from Synchrony Bank regarding changes to the Belk Rewards + Credit Card agreement. Starting XX/XX/year> a {$1.00} fee will be charged to my account each month I am sent a paper billing statement. I can avoid this fee by setting up a paperless statement. It then gives me a website to log into for changing to the paperless statement in order to avoid the fee. However I am unable to register or log into my Synchrony account because it does not recognize any information that I enter. I called their customer service number and the representative informed me that they can not help me access my account and that it can only be accessed online. I am therefore unable to avoid the fee.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I have had an fraud alert on my account that I did not place on there. It is on Equifax, Only bureau it is showing on. Called them several times to get this removed. I have sent in supporting documents to them three times by mail and as of now two times by fax. Last fax (XX/XX/XXXX ). 

Spoke with an agent ( XXXX ) who was finally able to authenticate me. She went through the process of updating my address on file and as well removing the fraud request. She gives confirmation NUMBERS of the two things being complete. During the call she mentioned that they do HAVE my documents that I had sent. Said the items last received in XX/XX/XXXX. I asked her if you guys received the information at that time why wasn't a confirmation letter sent out As you guys mentioned would happen? NO ANSWER. 

I checked my account a few days last date XXXX. Account still has an address that is not valid and also the fraud alert is still on the account. So I call again today. 

The representative somehow is not able verify my identity. Story of my life with this company except with the one rep from previous week. So the rep lets me know they are not able to ask any other questions other than the TWO that he asked, When I spoke with the rep on XXXX she asked 4 questions and was able to authenticate but you ask 2 and not. 

I proceed to mention to him that I called and got confirmation numbers from prior rep. No concern. I asked to speak with SUP. She gets on the line ask for Name and that is all. She does not try to authenticate me at all to verify my identity. I tell her I have confirmation numbers and to pull call from last week. She never once ASK for the numbers and stating the info that they have is too old ( documents from XXXX ). 

Keep in mind she has stated she cant get in my account but you just confirmed you had documents. She then continue to tell me once again what items to send in. I mention to her this will be my 5th time. Non chalant attitude. Sent over fax with documents. 

30 minutes prior to this post. Check the mailbox and what do you know a POSTCARD stating my fraud alert has been removed form account. SO how can I get this postcard and the alert is still on my account. This place is running a SHADY business and making money off of incorrect items that they decide to add to people accounts. 


Can someone please with this issue?
Consumer complaint received 2021-03-22
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-03-23
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. (CA)

I, XXXX XXXX reported a FTC report on TransUnion on Tuesday XX/XX/2021 for reporting fraudulent and erroneous accounts on credit report. 

TransUnion is in violation for reporting fraudulent and erroneous accounts ( listed Below ) These accounts below are in litigation for : Violation of 15 USC 1605 and 15 USC 1681.

15 USC 1681 ( a ) 3, 15 USC 1681 ( a ) ( b ), 15 USC 1681 ( a ) 2 ( b ), 15 USC 1681 ( b ) ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo XXXX XXXX engaged in discriminatory lending for my private student loan by informing me that I required a US citizen co-signer even though at the time of application was a legal XXXX XXXX holder with a valid Social Security Number. Based on the landmark legal precedent set in a similar case against Wells Fargo by illegal aliens who were also denied credit on the basis of citizenship and national origin, Wells Fargo admitted that its lending policies were a violation of state and federal civil rights laws. 

Therefore, given the auspices in which Wells Fargo operated at the time of my student loan application, the terms of my private student loan were made under the same violation of federal and state laws. Wells Fargo created a situation whereby a US citizen co-signer was involved in a loan that was in violation of existing laws at the time these events occurred in my procurement of a private student loan. Furthermore, my civil rights were also violated as a consumer. Afterwards, when my degree was completed, Wells Fargo communications to me and the co-signer of my student loan, gave the appearance of communicating MORE with my co-signer than myself. 

Per XXXX XXXX XXXX : XXXX : XXXX The agreements come more than three years after MALDEF and O & G sued Wells Fargo XXXX arguing the banks policies of making DACA recipients ineligible for unsecured consumer credit cards and loans violated federal and state civil rights laws, including 42 U.S.C. 1981 and the California Unruh Civil Rights Act, that prohibit discrimination based on alienage and immigration status. The agreements provide an opportunity for DACA recipients who live in California to receive cash payments of up to {$2500.00} for each denial of credit from Wells Fargo, and for DACA recipients elsewhere to receive up to either {$100.00} or {$300.00} for each denial of credit.
Consumer complaint received 2021-03-21
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. (FL)

I disputed a fraudulent card opened in my name with XXXX XXXX XXXX with all three credit companies and I am not getting any result. I have never applied, received or used this card, so I will not pay.
Consumer complaint received 2021-03-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Good Afternoon, Consumer Financial Protection Board ( CFPB ), I'm writing to your department today to initiate a complaint against XXXX Bank and their servicing company LoanCare. My complaint is in regard to escrow shortages for XXXX under XXXX Bank XXXX and for XXXX ( under LoanCare ). 

The last two years my escrow shortages have been {$1000.00} for XXXX and now for XXXX {$1100.00} respectively. I've checked with my Insurance Company and the tax collector and my insurance and taxes have increased {$270.00} and {$290.00} respectively. My question is how is my escrow shortage over {$1000.00} or {$1100.00} for {$2000.00} and XXXX when the increases in taxes and insurance is under {$300.00}? 

I've approached the bank numerous times and can't get a satisfactory answer. if my payment for XXXX increased from $ XXXX {$1100.00} to cover the 1st escrow shortage over 60 months XXXX my request ), then isn't bank, per their own statement in writing collecting this shortage over 60 months per that payment? Is the new payment for XXXX of {$1100.00} collecting the escrow shortage of {$1100.00} over 48 months? I'm confused by this basic math. 

The Bank and loan servicer is telling me that isn't how escrow works. After collecting the shortage for 12 months, as opposed to the 48 months listed in their statements, the escrow analysis starts over and there will always be that shortage. 

This is a questionable business practice at best, in my opinion. I'm reasonable, if that's the case, then why doesn't my payment go back down to the original {$1100.00} and then the escrow shortage is applied. I contend the bank is collecting the shortage over the 48 month or 60-month period, but isn't reducing or eliminating the escrow shortage and keeping the Lendee in a perpetual escrow shortage loop and unless the person pays within 12 months will always owe the escrow. 

I don't have a problem with this if the bank was forthcoming with this information, when, in my opinion, the bank is allegedly disingenuous. The bank isnt collecting the escrow shortage over 48 months or 60 months, it expects Lendee to pay the escrow within 12 months or the process starts all over again. Im making a complaint against bank for this questionable business practice and would like a CFPB representative to call and discuss this situation further. I've attached copies of the XXXX and XXXX statements for XXXX and XXXX respectively as PDFs. 

Thank you for your time and assistance regarding my complaint, XXXX XXXX
Consumer complaint received 2021-03-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. 
On XX/XX/XXXX, I received an email from ticket master stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 
Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXX XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have. 

XX/XX/XXXX I filed a complaint against Wells Fargo to the Consumer Financial Protection Bureau. I was then contacted by the Consumer Financial Protection Bureau ( CFPB ) that the complaint was received by Wells Fargo. On XX/XX/XXXX, I received an email and later that week a letter from Wells Fargo stating they are looking into my case and the letter was signed by XXXX XXXX I was also then sent a letter stating that I was going to receive temporary credit, which I did. 

On XX/XX/XXXX, I received a letter stating that they found there was an error that occurred for my tickets because they had me change my debit card, and they said that the remaining credit that was money back from insurance for the tickets was final and to remain in my account and that my case is now considered closed. 

XX/XX/XXXX, a letter to me from Wells Fargo states that they are researching my case again.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have added these accounts to my bankruptcy and these companies are actively show reporting I owe a balance and by law they are now allowed to do this. Its against the law and I want this company to be held accountable. 
XXXX XXXX XXXX XXXX account numberXXXX XXXX XXXX- account numberXXXX XXXX XXXX XXXX- account numberXXXX All are attached to my bankruptcy please verify with the clerk of courts.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP (WI)

My husband and I applied for a construction loan and mortgage with a one time closing from GSF Mortgage to build our home in XXXX. We were given the loan and had our closing in XXXX of XXXX when the home was complete. We chose the option to pay interest on the construction portion of the loan while the home was being built. A year after of being in our home we chose to refinance through another lender because we were dissatisfied with servicing our loan with GSF. Today my husband received an email from XXXX at GSF, that after a audit we still owe {$90.00} in interest. This is after the closing in XXXX of XXXX in which the whole loan ( conventional and construction ) was rolled into one loan AND after we refinanced with another lender ( the lender was given a pay off balance ) during the refinance process. GSF is unprofessional, unorganized company. I
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/XXXX, the customer service represented said they would remove my late fee. On XX/XX/XXXX they had not removed my late fee and gave me another late fee for the month of XXXX. I immediately called and explained the phone call on XX/XX/XXXX and asked them to pull the phone call as I told the first late fee was to be waived. Today is XX/XX/XXXX none of the late fees have been removed. Now is a balance of {$95.00} including interest and additional late fees. I have called several times to resolve this and have my phone calls pulled. With no help other then them telling I'm past due. These charges are complete bogus.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

The account with Santander on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The company verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.
Consumer complaint received 2021-03-23
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: ID Analytics, Inc. (PA)

Yes, I received my Credit Report from other companies. My first credit score was XXXX, 2nd XXXX, 3rd XXXX ... I have never had a credit score that low in my life, and I'm XXXX yrs old. This credit score came from SageStream , LLC. from California. I feel that this score will affect my other credit scores when it comes to finance from a bank ... I have paid my bills from electric, telephone, other loans & from bank loans ... NEVER, had these companies had to call to collect money or even late charges from me XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-23
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. (FL)

This is my second letter requesting your company to correct your own mistakes. I have received no response yet you continue to report to the credit bureaus that there is a balance owed on the above referenced account. I sent your company the payment receipt showing the balance I paid at the time and the ending balance asXX/XX/XXXX The receipt does not even reflect the balance that you are reporting. I am once again providing that for your records. 
It is a violation of the Fair Debt Collection Practices Act to continue to report information on an account in dispute. I am requesting that you report this account with a dispute status or delete the account completely with all three credit bureaus. 
I expect a response within 10 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
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. I demand the following accounts be verified or removed immediately.