davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX XXXX XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian, XXXX XXXX, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX XXXX, XXXX vs. XXXX XXXX Experian XXXX, and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, XXXX XXXX, EQUIFAX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2018-04-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

In XX/XX/XXXX my husband and I got a few months behind on our mortgage. 

Nationstar Mortgage allowed a large payment in XX/XX/XXXX and after that, consistently informed us we needed to pay the entire remaining amount due and that they could not accept partial amounts toward the balance owed.

In XX/XX/XXXX I contacted them and received an email on XX/XX/XXXX from  representative XXXX XXXX. She provided an amount and a deadline of XX/XX/XXXX to avoid foreclosure. I have the email and will attach it. 

However, when I called Nationstar for an overnight address a few days later, I was informed by the person on the phone that they had never heard of XXXX XXXX and that my account had, in fact, been sent to foreclosure prior to the receipt of XXXX 's email to me. 

Soon thereafter we received an eviction notice from our county. Because I had the amount needed, my husband and I applied for reinstatement, which we were able to accomplish and were able to keep our home. 

The issue I have with this entire process is that a Nationstar representative provided a payment amount and deadline IN WRITING and then Nationstar refused to honor this or even acknowledge that this individual worked for them. 

The reinstatement amount I had to pay included approximately {$2000.00} in attorney 's fees which I feel Nationstar ( now known as Mr. Cooper ) should reimburse to me.
Consumer complaint received 2018-04-02
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)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX   XXXX, XXXX, FL XXXX
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX I submitted for a cash back return on my credit card from Wells Fargo, their Go Far Rewards program. The check was subsequently misplaced and never cashed. After receiving a letter from Wells Fargo noticing the check had not been deposited yet I called their Go Far Rewards program where I was informed that due to their terms and conditions I would not be able to receive a new check and that they would return the outstanding {$50.00} to the bank for themselves. I spoke with both a frontline and executive customer service representative to know avail.
Consumer complaint received 2017-09-25
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. (FL)

Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( XXXX XXXX
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Please be aware that we have read Mr. Cooper response to complaint # XXXX. We ask that time is allowed to have a housing counselor their legal department and our attorney advised us before signing documents we do not understand and did not agree with the terms, but have read the explanations behind them. Also be advised we do understand time is of the essence as this has gone on for many months, although the last hurricane ( Harvey ) played a role in this delay as well as reassessing our circumstances. As of today 's date, XX/XX/2018 an emergency called was placed to XXXX, a non profit agency working with consumers who are in a financial housing crisis to help collaborate with other housing agency and compare our situation with the modification we were approved for via Mr. Cooper. We expect to have this resolved in less than 10 days.
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

Respected Sir/Madam Good Morning, This is XXXX XXXX XXXX. I just called the consumer financial protection bureau and they informed me about this online complaint portal. 
I am a customer of citi bank. On XX/XX/XXXX, I made an international wire transfer to XXXX XXXX XXXX ( XXXX. XXXX ) from a citi bank branch XXXX. I went to the branch and requested for an international wire transfer. The representative of the bank gave me an information sheet to complete by hand. I completed it and returned to the representative. Then, she completed some online application and gave me a print out. According to the printout the money should have been available on XX/XX/XXXX or sooner. Recipient did not receive the money on XX/XX/XXXX. That was Thursday. The next day was Friday. It is weekend on Friday and Saturday in XXXX XXXX XXXX. So, me and recipient thought that because of weekend maybe the money is not available. The recipient went to his bank on Sunday, which is a working day there to confirm incoming wire. His bank said that there is no record of it. I went to same branch on Monday and they told me that sometimes it can be delayed.On Monday evening here in USA, I got a communication copy of message between recipient and recipients bank customer relations office. The customer relations officer told him to get copy of swift message of original wire transfer from senders bank. I went to branch again on Tuesday XX/XX/XXXX. I met the representative and informed her the same. She told me there is nothing like swift message and only thing is the document that she gave me. I insisted her and she took me a room and made a phone call and transferred me the call. i assume it was someone from wire transfer department of Citi bank. I explained her the problem. She told me that she is going to initiate the trace of wire. I called Citi Bank again and informed them that the recipient has not received the wire. I told the representative to send me copy of swift message of original wire transfer and copy of swift message of the trace. Friday evening, I got the copy of swift message for the trace but until now I have not received copy of original swift message copy of wire transfer so recipient bank can work to trace. The recipient just called me and informed me that until today the bank has not received the wire. 
I am not only loosing money due to this delay but me and my wife are very stressed and worried now because the amount of transfer is USD {$100000.00} I have also sent 4 or 5 emails to officers of XXXX XXXX branch NY. As, i came to know that it was intermediary bank. But, I am not sure about it. 

My information XXXX XXXX XXXX Account at Citi bank Citi bank Account number XXXX Date of Wire XX/XX/XXXX Amount of wire transfer USD {$100000.00} Citi Bank branch used to wire transfer XXXX in XXXX NY Citi Bank Reference XXXX it is requested to the department to interfere in the matter. 

Your cooperation is appreciated in advance. 


XXXX XXXX XXXX
Consumer complaint received 2017-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TN)

XXXX XXXX, XXXX, paid on account {$40.00} ; XXXX XXXX, XXXX, paid on account {$100.00} ; XXXX XXXX, XXXX, paid on account {$40.00}. 
On XXXX XXXX, XXXX, day of the XXXX XXXX procedure after I made the payment I had asked if we would owe anything else. The representative informed me the only amount that I should be billed for would be {$40.00}. 
I never received a bill for {$190.00} at all and did not know about it until I checked my credit report. I do not appreciate this being sent to collection agency without any notification and finding it on my credit report.
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (TX)

Allied Collection services have an account listed on my credit reports from a company called " XXXX XXXX XXXX '' I have never done business with a company by that name. I called them to validate the debt, they could not, I sent them a 609 letter demanding documentation and validation of the debt, they did n't respond. I sent a letter to the credit bureaus, asking them to validate the debt - they responded saying " verified '' but were unable to provide a contract, account number, or anything that I signed with a company by that name. 
I then filed a complaint with the BBB, asking them to make Allied provide documentation of said debt - they asked for my personal information on a form, I filled it out and sent it back, and since then, have not responded. I have spoken via email with BBB several times, and they just keep issuing the company 3 day extensions to respond. But as of yet, they have not.IT HAS BEEN OVER A MONTH! 
They are breaking the law at this point. They are required to provide validation of the debt if they are collecting it. I truly have no idea who this company " XXXX XXXX '' is, and need this removed from my credit asap.
Consumer complaint received 2018-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I did not appreciate Navient telling me that I was set up on a payment plan take my money and now tell me that the payment has been cancelled. I called 2 times to verify that this payment plan was still in place. XXXX Employee ID XXXX was useless. She told me the payment plan was cancelled and they would continue to take payments out of my account, but since it was not the total amount due, I would still be considered late, so I told her to cancel the payment plan. Now they are saying because your rep XXXX gave me the wrong information they might not put my payment plan back. I want a refund of my money especially if you are still gon na say my loan is past due. It was the worse decision I have ever made getting a loan with your company
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

On XX/XX/2018 XXXX of our our mortgage loans transferred to a new company ( specialized loan servicing ) that had purchased our mortgage without us being aware. We paid XX/XX/XXXX and XX/XX/XXXX payments to the old company. On about XX/XX/XXXX the new company locked us out of our house and changed the utilities. They placed a sticker on the inside window of the house stating they had changed the locks and shut off the utility. When I called the phone number on the sticker they refused to give me the mortgage companies name/phone number. My wife called the mortgage co and they refused to give us access to the house till we paid XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX payments on both houses, even though we had already paid. They never filed any legal processes or gave any notices. To this day, almost a month later they still have not given us a key to the house and have placed 60 day late notices on my credit report even though we are current, and even got refund checks from the prior mortgage company. 

They illegally locked us out, they illegally entered our house, they illegally shut off our utilities and opend up water lines causing water leaks in the house, they illegally put marks on my credit report for 2 mortgages and when I call them they refuse to fix it.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX -Balance {$250.00} - Date opened XX/XX/XXXX Unauthorized Inquiries 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 2017-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (AR)

I have had 3 accounts with stores tied into comenity capital bank. That being victorias secret, XXXX XXXX XXXX. I had placed orders for victorias secret & XXXX XXXX  then ended up in hospital. I never got the orders & called & told them that ... both were nice about it & said they would remove charges. Comenity Banks tells me different & I need to send in letter telling that. They apparently put orders in mailbox without signatures which is stupid but that way they dont have to verify anything just nail you for items you didnt get. Then XXXX XXXX I called to make a payment on XXXX XXXX with my paypal XXXX & it was kicked out because they dont except any paypal card. So I said I will pay the card off with my debit card & woman said will you also have a XXXX payment due would you like to pay them both & it be paid off I said ok lets do that. So I paid {$120.00} on my visa debit & they want to say it was never paid & to send them a copy of it. I had been told by one of comenity bank employees after I had sent in letter saying I never received the prior orders that the were going to say they never got the letter & she was right ... they said they never got the letter & funny thing is before I was told that a male employee had told me they had recieved it & it was being investigated. They like to lie obviously to make sure they can XXXX customers out of money. They have placed all this on my credit & I have proof I paid it off ... right here! 
XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Statement for Account Number : Statement Period : XXXX XXXX XXXX/XXXX/XXXX XXXX : Signature purchase from XXXX COMENITY CAPITAL BANK XXXX {$120.00}
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

In early XXXX I signed up for a credit card promo where if I spent XXXX dollars on a credit card I would receive XXXX bonus points. I met those qualifications about 5 months ago and after numerous communications with American Express I have still not received my points.
Consumer complaint received 2024-08-27
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. (TX)

FCRA violations : not my account XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5100.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX  account
Consumer complaint received 2017-10-31
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: Experian Information Solutions Inc. (NY)

In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NM)

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.