davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be ... terms of XXXX months is also being reported on a " charged off '' account ... .look at the XXXX year history as well ... there are so many inconsistancies
Consumer complaint received 2021-12-01
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. (MD)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX XXXX XXXX XXXX Section XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-12-01
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. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-01
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: CMRE Financial Services, Inc. (CA)

I am very upset with this issue. I sent a letter to CMRE FINANCE regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, XXXX
Consumer complaint received 2015-11-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am resubmitting my complaint against Bank of America, but am providing additional information to prove the scope and extent of consumers ' grievances against Bank of America is becoming great and far-reaching. Below is the new information ; ; source -- -XXXX : XXXXhttp : XXXXFROM XXXX XXXX : XXXX
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent Transunion proof from XXXX Bank ( XXXX XXXX ) that the creditor agreed to remove the late payments on my closed account. Transunion has received this information several times yet do not update my account. I have been in contact with XXXX XXXX XXXX at XXXX Bank ( XXXX ext XXXX ) who has assured me that the late payments were removed on his end yet Transunion refuses to update my account.
Consumer complaint received 2015-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

Chapter XXXX bankruptcy filed on filed in XXXX, discharged XXXX. XXXX XXXX XXXX continues to report the balance, a past due amount and a monthly payment on my Equifax credit report. I disputed the balance multiple times over the past 6 months with no success. Tried contacting XXXX XXXX XXXX and transferred from number to number until complete circle occurs. Main number XXXX -- & gt ; bankruptcy department @ XXXX or XXXX -- & gt ; " card services '' XXXX -- & gt ; back to bankruptcy department. I was supposed to close on a home today but the lender has informed me that closing can not occur until the negative information has been removed.
Consumer complaint received 2015-04-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Time and time again I told Wellsfargo that I do not wish to Opt into their overdraft protection plan, but yet and still I am being charged overdraft fees. As I call and tell them that I have never opt in they say I see that but still I have been charged over {$500.00} in overdraft fees. For XX/XX/XXXX I was charged {$980.00} and in XX/XX/XXXX thus far I was charged {$280.00} in overdraft fees, in which I opted out of.
Consumer complaint received 2016-09-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION ()

I am XXXX XXXX - filing this complaint for my XXXX, XXXX XXXX. She appears to have been involved in some predatory banking with Santander Bank, N.A., XXXX. She is currently XXXX years old, was given a line of credit of {$100000.00} in XXXX on a home that was not worth that much, but my main concern is that she only had {$630.00} coming in via SSI with no other means of repayment. I do not think she understood that this had to be paid back, possibly she thought it was a " reverse mortgage ''. Plus already had a line of credit from XX/XX/XXXX with her Mother who has been deceased since XX/XX/XXXX in the amount of {$10000.00}. She has given my sister and I power of attorney so we can assist with this matter. My grandparents built this home in XX/XX/XXXX and had it paid off XX/XX/XXXX. I do not understand how she qualified for these monies. Now the bank wants us to put the property up for sale before they will foreclose. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CT XXXX Cell XXXX Work XXXX
Consumer complaint received 2021-11-04
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. (LA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a checking account # XXXX and credit card with Bank of America which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Bank of America is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

I filed some disputes with Equifax XX/XX/2015 and since then Equifax has locked me out of obtaining my credit report. Everytime attempt to pull my report with either a credit monitoring agency or a creditor, Equifax renews a 90 hold on my credit file and notifies XXXX and XXXX to have them place holds on my credit report as well. It seems that the XXXX agencies are trying to punish me for filing disputed with them. I have called numerous times and written to Equifax requesting that this hold be lifted.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

My vehicle was stolen and crashed. XXXX XXXX, Pa law firm represented the insurance company. XXXX XXXX court dockets show a summons issued for me was Returned Unserved-Does Not Reside At The Address Given ( By XXXX XXXX to the XXXX 's office for service ) I learned about this when I received a letter that they had ordered my driver license suspended. I contacted XXXX XXXX law firm and was told the summons was signed for by the person who stole and crashed my car mother ( AT THEIR ADDRESS ) I never resided at their address, nor did I communicate or have contact with them. Although, I never had knowledge of a court date this is the information XXXX law firm used to obtain a XXXX Judgment against me, suspend my driver license and put this judgment on my credit. 
As shown in the court docket records I filed with the court to reopen this case and filed a motion to be dismissed from this debt and judgment. XXXX XXXX law firm then provided me with a letter of satisfaction ( no longer holding me responsible to this debt. I filed the letter with the court and with all XXXX credit agencies. Experian is the only credit agency that refuse to remove this from my credit. Stating that a judgment can not be removed simply because it is paid. However, the judgment debt is Not paid. I am NOT the responsible party for this debt and therefore, it was satisfied against me. I mailed all of the necessary documents to all XXXX credit agencies XXXX XXXX and XXXX removed it under the Fair Credit Reporting Act since I am Not the responsible party. The responsible party was later arrested on a warrant for XXXX. He also filed a letter with the court/Judge and with XXXX XXXX law firm, stating that he took my car without my knowledge or permission I sent this information to Experian and still, this judgment on my credit is preventing me from fair credit and fair housing. This is not my debt.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates (OH)

My XXXX year old daughter is receiving non-stop calls on her cell phone from " Cooper Hoffman & Klein Associates '' attempting to collect a debt from someone named " XXXX XXXX ''. We block the calls but they keep calling from other phone numbers. I called on XXXX/XXXX/15 and spoke to XXXX - I explained the situation and he hung up on me. They reference Case # XXXX and have called from these numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX and ( XXXX ) XXXX. The voicemails threaten legal action and someone will show up at our house.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

This is pursuant to complaint numbers : XXXX & XXXX filed against Ocwen Servicing, LLC and, complaint Number : XXXX, filed against XXXX. 
Despite the fact that my mortgage loan servicer, Ocwen Loan Servicing , LLC, was paid in full for that mortgage on that Florida home, on XXXX/XXXX/2015 by wire transfer pursuant to the Payoff quotes which they validated in writing and good till XXXX/XXXX/2015, I am the recipient of another Alert from CREDITSECURE which notes that Ocwen Loan Servicing , LLC entered a negative comment into my credit report, while at the same the paid off mortgage loan amount {$170000.00} still remains in effect with XXXX. 
Does this reflect an all-out-war by Ocwen for the fact that I have contested their abuses with the Consumer Financial Portection Bureau? And what was the basis for that mortgage loan to have ever been transferred to Ocwen Loan Servicing , LLC which happens to be a debt collector and which also appears to be affiliated with XXXX bank? The loan is paid for in full even with addtional interest payments and therefore Ocwen is obligated to remove it from the credit bureaus, along with the negative entries which it has also reported. Ocwen 's behavior along with the credit bureaus it is aligned with are abusing the consumers with impunity and they should be penalized for such actions.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Tower Loan of Mississippi, Inc. (LA)

Tower Loan the memories of this company is vague. However, I recall getting a loan from this company back in XXXX I believe. It was on behalf of merchandise that they financed. Well, I paid my bill and made payments on time. well, one day I received a phone call that the company had terminated a young lady that was employed with the company, but was stealing. She was taken payments from the customers but were n't actually posting the payments to the customer account. I informed the person that I was speaking with that my account was paid in full and that I did n't owe any debt. This is XXXX so since XXXX I do not currently have any receipts to back up anything that I am stating at this point. I do not neglect in paying any of my bills and I never have. This company is constanly pulling a hard inquiry on my credit report without my permission and calling me on my job making threat and calling my home upsetting my mother that is ill. If I owe this debt I would pay it, but I do not owe anything to this company. At XXXX point I made a payment or XXXX until I realizes I am making a payment on a debt that is no longer my debt. I asked for receipt, but was told I could not get XXXX until all payments was paid in full.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED GUARANTY CORPORATION (FL)

On XX/XX/XXXX, I obtained a mortgage insurance policy from United Guaranty Residential Insurance Company as a stipulation for a mortgage loan. A default of the mortgage required United Guaranty to pay the balance of the loan to XXXX XXXX after the foreclosure sale. Since that time, United Guaranty has made several ( 6 ) attempts to obtain reimbursement via civil actions ( Case No. XXXX ) to no avail. Once again United Guaranty has filed to obtain reimbursement in hopes that at some point they will receive a positive judgement. The fact United Guaranty received payments as a insurance company, but now seeks to be reimbursed leaves me uneasy and cause me to question the necessity of obtaining insurance. Though the courts to date has found United Guaranty claims to be baseless, it has been aggravating to have to take time away from my work to defend myself against an entity I paid to supposedly protect me from civil action. It is also to be noted that the claim was less then the amount which I was insured for. The insurance company is attempting to act as the subrogate of XXXX XXXX, who has taken no actions for or against United Guaranty.
Consumer complaint received 2015-12-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing Inc. is my servicer. XXXX XXXX is the note holder. In XX/XX/XXXX we applied and submitted for a Loan Modification on our XXXX, Owner Occupied Home. We were granted a modification in XX/XX/XXXX. We signed and returned the modification agreement, as did our servicer. In XXXX, the servicer unilaterally attempted to change the terms of the modification. Our payment would rise and our Balloon Payment was going to rise from {$200000.00} to over {$800000.00}. We have refused to accept the change as it is NOT beneficial. Recently, Select Portfolio Servicing refused to take our payments and attempted to foreclose on the property. We have reached out to them on a constant and consistent basis. We requested a review on XX/XX/XXXX and were given a 45 day window for a resolution. It has been over 50 days and they have NOT responded in any way. They continue to add late fees even though we have been current since the modification. 
The Servicer has verbally responded that they will NOT honor the signed modification from XX/XX/XXXX, given that we did NOT accept their revised modification offer. They have NOT furnished their response in writing nor in a timely manner. We informed them that we will be filing a complaint against them.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

XXXX XXXX claims I owed them money after returning my leased vehicle 13 months early and not buying the vehicle. XXXX claims I owed them {$500.00} dollars. I disputed the amount for a year. Ally reviewed my account and adjusted the amount they claim I owed them. I paid the amount off in full the next month to end this issue with XXXX. The agreed to have this claim removed from my credit report. XXXX credit companies are still showing my account as a charge off even thou I did pay the adjusted amount off in full. I 'm trying to refinance my mortgage and Equifax and XXXX XXXX have my score so low because off this claim with XXXX and I ca n't refinance my house. I still dispute I owed XXXX any money and only agreed to pay off the adjusted amount so my credit scores would be fixed so I could refinance my house loan. XXXX, at XXXX agreed to have my fix my credit scores after I paid the account off in full after the amount was adjusted. I 've never missed a payment in my entire life and have always paid my bills on time or early my whole life. 2 months after paying off XXXX, I still ca n't refinance my loan because of bad credit scores.
Consumer complaint received 2021-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I reached out to Nelnet regarding the inaccurante reporting that my student loan was 90 days past due XX/XX/XXXX and XX/XX/XXXX. I was on a forbearance plan and was not delinquent. I was advised that when the paperwork was submitted to XXXX that it would apply to Nelnet as well. I submitted the paperwork to XXXX and was still reported as 90 days in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-11-04
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. (FL)

I have sent 3 letters to Equifax. the first dated XX/XX/2021, the second XX/XX/2021 and the last one on XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WA)

My bank was served with a " notice of garnishment '' for my parents. My bank withdrew all of the money from my checking account instead. I live in a different state than my parents, and I had to work with that state department of revenue to reverse the garnishment order in a case of mistaken identity. My bank then charged me a " non refundable processing fee '' of {$120.00}. I brought this up with the bank, and painstakingly worked my way all the way up the the head manager of the main branch bank in my city. In my meeting with them, they said they would remove the fee if they could, but even as the main manager, they were not given the ability to remove the fee because the charge came from the banks " legal department ''. I would have to take it up with them. I asked them for the contact information for the legal department, and the manager said, 'There is no phone number for the legal department. ' So essentially I was charged {$120.00} for my bank wrongfully taking money from my checking account in a case of mistaken identity. : -/
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.