davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

After years of paying this account now the payments are being applied to interest most of the time and this is different from previously.
Also, recently I was issued an insurance check by my insurance company for hail and wind damage ( see attached check ). Wells Fargo asked me to mail the check to them. The first time I sent the check I did not endorse it but sent it overnight express. This was in XXXX 2017. Wells Fargo sent the check back to in regular mail, I endorsed it and sent it back to them express mail overnight again. The check was to me via regular mail, my signature had been stamped Endorsement Cancelled. I thought it was because I had signed twice because I am the POA for my husband nd had to sign as his agent. I deposited the check into an a shared branch of my credit union. The check was put on hold for 7 days. Then I learned it was returned because Wells Fargo had stamped Endorsement Cancelled. When calling Wells Fargo again, about the same check it had been miss-logged and was attached with our other home. Speaking to XXXX I felt as if they did not even believe they had sent the check out a second time. Especially when I asked if they made copies of the front and back of the check. Now they know they made mistakes on the processing of this check which had to be cancelled by the insurance company and reissued. But here I the kicker, Wells Fargo still wanted to hold the new check in an account and issue increments because they were misinformed as to what the claim was truly for. They were working from the standpoint of mold but the check was issued for hail and wind damage. Now we are into over a month of the back and forth with the check and still Wells Fargo Wanted to control the process. It was not until my insurance agent was on the phone and brought out the fact the check was issued for wind and hail that the process was altered. Then Wells Fargo would not allow the check to be issued without their endorsement after all we have been put through on errors made by their staff. This company has taken money from our account, take monthly payments and applying the bulk of the payment to interest versus principle and now this ordeal with the insurance check. They believe after so many errors, they can say you can now take the check into a branch and have them call us and the branch can endorse the check. No one understands how this could have cause us problems because it makes it look as if we were trying to commit fraud because Wells Fargo cancelled our endorsement on the check that was issued by another financial institute issues to my husband and me from premiums paid to our homeowners policy from funds paid by us. I feel it is retaliation because I have filed so many complaints against this company.
Consumer complaint received 2017-05-25
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: CITIBANK, N.A. (MI)

RE : A ccount Numbers -  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  phone -  XXXX  email -  XXXX  XXXX  XXXX  My mother,  XXXX   XXXX   XXXX , had a mortgage that was held by CitiMortgage. She held that mortgage as an individual, it originated  XXXX . My mother passed away  XXXX   XXXX ,   XXXX  . I informed CitiMortgage of my mother 's death and sent the death certificate. My mother did not have a will nor did she has any assets. I received a mortgage statement from CitiMortgage the following month with my name  (   XXXX   XXXX   )  and my sister 's n ame (   XXXX   XXXX  ) listed on the mortgage. I contacted CitiMortgage and they stated they put our name on the mortgage now that my mother had passed away. I explained to them they can just add someone else to a mortgage, we had nothing to do with my mother 's home. They reviewed the closing documents and discovered neither myself or my sister had signed any documents. They faxed me copies of the documents on  XXXX   XXXX ,   XXXX  . It appears my mother listed our names on the loan application under the title without our knowledge. They stated they would remove our names. We did n't receive any further statements from them. I did not nor did I ever live in my mother 's house. I did not obtain her house after her passing nor did I benefit from her home. Neither did my sister. I assumed everything had been corrected. I obtained a recent credit report which is listing  CitiMortgage with more than 17 late payments adversely affecting my credit report. Even though the y stated they removed my name from the mortgage they continued to report negatively on my credit for an additional 4 years.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (DC)

I am currently in a  XXXX   XXXX   XXXX  with   XXXX   Assistance. I have repeatedly explained this to the creditor informing them that I do not have the ability of freedom to pay them as all of my income goes to my copay for my care.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

NEW CASE, NEW TRANSACTION Missing refund on  X/XX/2017    from  XXXX  for  XXXX  Fraud department now lying and saying I can not submit a claim/dispute. All I want to do is close my account.     They took literally over a month to credit my last missing refunds. Now we are starting again.     The contact from  SunTrust  assigned to me for my last cfpb complaint refused to speak to me and told me she would call me when she would call me and had n't even looked at my case. Essentially, do not call again.
Consumer complaint received 2017-05-25
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)

I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, eve n thouygh they claim to have no information about me.
Consumer complaint received 2023-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc. (NM)

I wrote a letter to Mid South Adjustments that was delivered on XXXX asking them to send me proof of debt. they sent me a medical statement for an individual by the name of XXXX XXXX dated for XX/XX/2021 for an abulance bill at an unknown address in XXXX XXXX Arkansas for {$1000.00}. Not only have I never gone by that name but I also was not in that state at that time. I am a XXXX XXXX XXXX XXXX and have been recovering from a XXXX XXXX in the state of New Mexico where I have resided for several years. So this can not be me. I responed yet again to this merchant advising them to provide adequate proof and that was delivered to them on XXXX and also again I wrote them again advising them that they needed to remove this from my credit since they could not provide adequate proof of contract or verification not to mention the HIPPA violation that they are clearly violating by sending me medical paperwork for a XXXX XXXX in the state of AR where I could not clearly be when I have medical documentation in New Mexico clearly showing I have been being treated in the state of New Mexico even to the same time frame of this claim. I am able to provide proof of all letters signed for and sent as well as medical documentation showing that I have been in the state of New Mexico and would like this to be fully investigated and removed from my credit as fraud.
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (ID)

In  XXXX   XXXX , I was rear-ended. Following the accident, I seeked medical attention from a  XXXX  in  XXXX   XXXX , CA. The name of the  XXXX  facility was  XXXX   XXXX   XXXX . I only received an   XXXX   XXXX   and  XXXX  in  XXXX  appointment. I had filled out the necessary paperwork as this was on a medical lien, due to pending litigation. The lawsuit is still pending, therefore, should still be on a medical lien.     The collection agency FIDELITY CREDITOR  SERVICE, INC. list ed on my credit report as an open collection has not contacted me nor made any efforts to validate this debt. I have attempted to contact this creditor to resolve this matter, yet the information for the creditor is not valid on my credit report. The creditor also does not have an active business license in the state of California, where they are listed to be conducting business. The amount of the collection as of  XXXX   XXXX ,  2017  is {$200.00} I have been unable to resolve this matter on my own and even with efforts of small claims suit, have been unable to ser  ve this creditor due to inaccurate information.
I do believe that a rule of the FCRA requires that creditors have up to date contact information so that debtors may be   able to resolve their debt.     I appreciate your assistance in this matter,  XXXX   XXXX
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2016  I a m not sure how this happened, I believe that I had made my payments to you when I received my statements.     I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
Consumer complaint received 2017-05-24
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: Experian Information Solutions Inc. (WI)

I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX   County c ourt house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called Experian and  XXXX  on  XX/XX/XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information on my credit report.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

XXXX   XXXX   XXXX   CFPB :  XXXX  Report  XXXX , dated   XXXX   XXXX   XXXX  , fails to list my full-time employment,   XXXX   with the   XXXX   XXXX   XXXX    XXXX   Regional Office , since  XXXX , with the   XXXX   XXXX   XXXX  , my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my government employments added. I want true copies of the  Source  Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement  ( NMS ) an d the Independent Foreclosure  Review ( IFR ) becau se  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging me LIBOR, forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I 've been a c lient of Capital One for  over 5 years. On  XXXX   XXXX     2017  while checking in to a hotel both of my credit cards were declined. I ca lled Capital One customer service. They said there was nothing they can do at the present time and that I wo uld have to wait till the morning for another department to open. I told the cu stomer support representative that I was in the middle of nowhere and was trying to check into a hotel. I was forced to sleep in my car. The next morning I called customer service and spoke to someone at the executive d epartment. They told me that a letter was sent out on  XXXX   XXXX  and on  XXXX   XXXX  they closed my account. What major company does that t o Consumers and give them no fair warning they are closing their accounts. What if I was out of the country stuck with no money. This should not be legal for them to do this to me or any other client they have. There should be a class action lawsuit against them. I never missed a payment and over paid my monthly minimum payments. Sometimes I make double payments.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
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. (TN)

I am writing to formally dispute inaccurate late payment reports on my credit file related to the following accounts : XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 
XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 

Under federal law, creditors and credit reporting agencies are obligated to ensure the accuracy of the information they report. The inaccurate reporting of late payments violates my rights as a consumer under the following statutes : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i Reinvestigation of disputed information : Under this section, when a consumer disputes an account, credit reporting agencies must investigate the dispute within 30 days and remove or correct any inaccurate information if it can not be verified.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : This section requires that companies furnishing information to credit reporting agencies provide accurate information. If a consumer disputes the information, the company must investigate and report accurate results. Any false or unverifiable information must be removed. 
15 U.S. Code 1681e ( b ) Accuracy of the credit report : Credit reporting agencies must follow reasonable procedures to ensure that credit reports are accurate. Failure to do so is a violation of the law.

2. Fair Credit Billing Act ( FCBA ) : 15 U.S. Code 1666 Billing error resolution : This law provides protections in the case of billing errors, including incorrect late payment assessments. It gives consumers the right to dispute these errors in writing within 60 days, and creditors must investigate.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1601 et seq. Fair lending and accurate disclosures : TILA requires lenders to provide clear and accurate disclosures regarding terms and conditions of credit accounts. It mandates fair treatment of consumers and helps to protect against unfair or inaccurate billing practices.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX CFPB : XXXX Report XXXX, dated XX/XX/XXXX, fails to list my full-time employment, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX, with the State of Illinois, my part-time employment, XX/XX/XXXX with the XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, since XX/XX/XXXX, with XXXX XXXX, XXXX, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in XXXX  and that I had an address of XXXX XXXX XXXX XXXX, Illinois. I want my XXXX employments added. I want true copies of the Source Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement ( NMS ) and the Independent Foreclosure Review ( IFR ) because XXXX made errors in servicing my ARM Loan XXXX. Those errors, particularly overcharging me LIBOR,  forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.
<P/>
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-05-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, Your company has been falsely reporting three accounts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning XXXX years old. As of XX/XX/17, Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my XXXX and XXXX report. These accounts are under a different name, with my SSN, opened years before I had turned XXXX. BOA seems to have noticed the inaccuracies since they were deleted off XXXX CRA 's, but XXXX is still reporting. I disputed the Line of Equity and Mortgage that remain on my XXXX credit file on X/XX/17 only to be contacted by BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to XXXX only. XXXX advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One approved for a small line of credit. Requested proof of identify. I sent a copy of my license and lease after verifying that I was able to verbally verify my ss number. 4 days later, I was told after I called back that they needed more information. They stated several times that this was standard for new accounts. I get a letter at my previous address, where my mom resides, that says it was due to information not matching at the credit bureau. I then, get my ssn card directly from the administration office and send it over with a copy of my water bill because my lease wasnt enough proof of identity. At this point, they said the id was too blurry and said no it was too dark. Later, we determine nothing wrong with the ssn card sent, but they needed to see a full bill not just the part containing my info because the water company was closed and could not verify the address. I send a full bill and qas disconnected from the phone. At this point, I call back to find that the full bill is not good enough. The delay and repeated phone calls while collecting my information is high unethical. I am also pretty sure they were sending it to some foreign country where they outsourced a call center. No one can verify anything and a manager could not be reached. I spent hours on the phone even though it was an online application and I verified all my info and more. There are some weird practices going on and they need to be investigated.
Consumer complaint received 2017-05-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX, 2017 CFPB : JPMChase needs to provide me, for ARM Loan XXXX, the Documentation for the amounts : Total Fees Assessed {$1100.00} ; Total Fees Paid {$480.00} ; Total Fees Waived {$690.00}. These amounts appear in JPMChase ' Response dated XXXX XXXX, 2017, to CFPB Case XXXX, which has JPMChase Reference Number XXXX. JPMChase took ALL my Financial Documentation, including, but not limited to, ALL my Mortgage Documentation. I require Documentation, including JPMChase Internal Documentation, if necessary, to explain these three ( 3 ) amounts. If Documentation is not provided to explain every penny of these amounts, then I want JPMChase to refund to me the {$480.00}, that, JPMChase asserts, I paid. Said Documentation is to include ALL Computations involved, including Intermediate Results. <P/>Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX