davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: WELLS FARGO & COMPANY (TX)

I opened up a secure credit card after my recent divorce.I did n't realize at the time it had a monthly rewards fee. I was able to get other credit cards that were not secure and decided to close the account. This account was attached to my business account and my office admin contacted Wells Fargo twice to have it closed. The third time I called myself. It finally closes, except by the time they do close it ( XXXX more months later ) ... and only after I got into a shouting match with the guy from Wells Fargo who did n't seem to understand that the card was secure and we did n't owe any money, and if acter were owed a little over {$50.00}. My office is receiving XXXX3 calls a day about 3 times a week. Then we received a letter today advising that due to our handling of the account they were closing and that we owed XXXX in late fees. An hour or so after getting this in the mail, Wells Fargo called ... and my office admin again got no relief and ended up in a verbal dispute with the debt collector. I am very upset with the tactics, the extra fees, and the refusal to do what was asked ... as well as the fact that Wells Fargo does not offer an option to close directly from the online banking portal. 

In addition, I was charged a {$39.00} late fee on XXXX/XXXX/2016 despite a payment being made on the XXXX which is shown on the statement. The reason that I closed the account on the date that I did was because I did n't want the XXXX charged to my account again and I could not locate contact info for the company. It was supposed to be an one time online purchase.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Servicer : SPSLoan Number : XXXXProperty Address : XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXXShort Sale Package was submitted XXXX/XXXX/2015. There is a foreclosure sale date coming up of XXXX/XXXX/2015. SPS is refusing to postpone the sale date, and they are refusing to submit the offer to the investor for decisioning. They are refusing to allow any sort of review on the file for a short sale. 

SPS is not delegated to make decisions on the file for the investor. By refusing to submit the offer to the investor and postpone the sale date, they are defrauding their investor and the federal government.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

We gave a purchase money mortgage to XXXX XXXX in XXXX, XXXX for a 15 year fixed rate mortgage with escrow for payment of taxes. The loan was assigned, most recently in or around XXXX, XXXX from XXXX XXXX XXXX XXXX to Select Portfolio Servicing. 
In that same month, the property was offered for an upset tax sale because, without our knowledge, local real estate taxes for XXXX, XXXX and XXXX had not been paid, even though we had made tax escrow payments including through at least XXXX and probably XXXX, XXXX. We are in the process of preventing judicial sale of the property at an expense to us of {$2000.00} for suspected misapplication and or non-payment of taxes by the predecessor of Select Portfolio Servicing , Inc .
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

Incorrect information is listed in my collections section. The collection agency, XXXX XXXX has reinserted a previously deleted account with false information. This is an account that I am no longer liable for and has now been added back on my report with incorrect dates as it is extremely past the allowed time limit.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (SC)

Equifax in the previous investigation misinformed or just outight lied in their response, they attempted to play the response as a play on terms, i.e. the credit item of XXXX XXXX finance, and the term XXXX, which is one of their clients, and they knowingly know its the same. In the above stated response, Equifax stated it does n't appear on my report, well it does in the shorter term, the term that is easy to determine is the same company. They wrote it, that it does n't exist, they responded to the CFPB it does n't exist, well it does. Equifax has been playing this game for decades, they only apply verification to beneift those who pay them, in no manner is the consumers word less creditable then the persons who pay them, yet they are allowed to get away with this kind of conspiracy. They stated it does n't exist in any form, I want it removed to include all other items that do n't correspond to my issued name and social security number, period.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (LA)

I have been trying for about a year to receive my Equifax credit report and ficocredit score. I have not had any success receiving either credit report or credit score. I have not been able to receive my XXXX credit report or fico score and, my XXXX credit report or fico credit score. 
I have also had problems purchasing or receving any monitoring services for the XXXX credit bureaus. I would like to be able to monitor monthly, all XXXX credit bureaus for my credit reports. 
Thank you very much for your assistance.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (ID)

On XXXX, I wanted my XXXX score from EQUIFAX and was willing to pay for this. I ran into convoluted procedures indicating that, I first had to sign up for credit monotaring with opportunity to cancel within 30 days. I proceeded but did not receive any report. I called them to cancel and as assured that '' it was cancelled. However, XXXX {$4.00} charges showed up on my XXXX bank statement ( which I will dispute, of course. Reading the XXXX, I seem to be a victim of a common manner of this company.
Consumer complaint received 2023-03-12
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. (NC)

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 2020-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to Account Resolution Services asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising Account Resolution services that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX Account Resolution Services received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from Account Resolution Services.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a home loan with XXXX ( XXXX XXXX XXXX XXXX XXXX ), for which I obtained a Forbearance Plan under the CARES act in XXXX. The loan was sold to XXXX XXXX XXXX XXXX in XXXX. I received a bill from XXXX stating that the account was overdue, and I called and confirmed that the loan was still subject to forbearance, and they told me to disregard any delinquency notes on my bill since the account was in forbearance ( the latter of which it also clearly stated on my monthly bill ). Before the end of the forbearance, I signed a deferral agreement with XXXX in XXXX, and a few days later on XX/XX/XXXX the loan was paid off in full. 

In XXXX, XXXX reported the loan as delinquent with the credit reporting agencies, including Transunion, XXXX and XXXX. I contacted XXXX and they assured me it would be immediately corrected and that the account would be reported as paid off. It appeared as corrected on Transunion on XX/XX/XXXX. On XX/XX/XXXX, XXXX again reported to Transunion that the account was delinquent, despite that it was paid in full in XXXX, and despite that I received a payoff letter and Satisfaction of Mortgage from XXXX ; and up until the date of payoff I was under forbearance under the CARE Act. This has materially adversely affected by otherwise stellar credit score, and I am not able to get XXXX to effectively correct this issue with all credit agencies. This came after having trouble for days with having great difficulty obtaining a payoff letter from this lender during the sale of the property. I need help getting this lender to give attention to this matter please. 

Thank you in advance.
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (DC)

Credit Acceptance has been weighing heavy on my credit report for over 6 years and I have been denied all credit, from Morgage loans, car loans and/or credit cards. I would like for them to be removed indefinitely off all 3 of my credit reports.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NEW YORK COMMUNITY BANCORP INC (NY)

On XX/XX/2020, I made a call to XXXX support, from my cell phone, attempting to troubleshoot some difficulties I was having with my phone. Unbeknownst to me, I had dialed a bogus XXXX number. During this conversation with " XXXX '', I was informed that my phone had been hacked, and that my financial information that was in my phone had been compromised. This fake XXXX support individual proceeded to explain to me that they had to " entrap '' the hackers, and the way they accomplished this was by installing certain apps on my phone ( XXXX and XXXX ), by which the hackers would attempt to withdraw money, and then be caught in the act. I unknowingly allowed this fake XXXX support person to put these apps on my phone, and he was then able to withdraw money from my checking account, in the amounts of {$960.00} two times within several minutes. ( I will mention to you, that they were also able to manipulate me into a gift card scam, which was another several XXXX dollars, but I am taking responsibility for being foolish and falling for that. ) My complaint is because my bank ( NY Community Bank/Roslyn Savings Bank ) allowed these 2 transactions to take place, without seeing a " red flag '', and contacting me first to inquire as to whether or not this was legitimate. I received 2 other phone calls, from 2 other banks that I deal with, where the scammer had attempted to access my bank accounts, and the bank had thwarted them, and called me first, thereby saving me from further financial damage. I have attempted to file complaints with NYCB, the first of which was denied, and the second appeal is going to be denied ( I spoke with a vice president for retail help, who advised me of this ). I just don't understand, how 2 other banks were on top of this, and called me to question the charges that were about to be made, and by calling me, those charges were intercepted and prevented. However, NYCB allowed these 2 very questionable charges to be withdrawn from my account without even batting an eyelash. My husband and I have been customers of NYCB for well over 20 years, and have had a stellar record in all of our bank dealings and transactions. I am absolutely devastated that this bank would not even consider restoring this money to me, which is money I can not afford to have lost. I am beyond disappointed in their response, as I do think they should have at least questioned the back-to-back withdrawals for the same unusual amount. Thank you for any help and/or advice you can offer.
Consumer complaint received 2020-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

1. Effective XXXX, 2020, XXXX XXXX XXXX Mortgage sold/transferred my home loan to XXXX  XXXX XXXX. - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from Equifax. 

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX  can explain to me why other than the XXXX XXXX XXXX Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and Equifax credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I was checking my credit report and I realized there is a collection in my history about an student loan and a " Judgment '' which was disputed long time ago and was removed from my credit report by XXXX XXXX and XX/XX/XXXX but Equifax. I have contact Equifax several times and explained to them my reasons, but they keep showing these XXXX wrong info in my credit report which cause me huge financial burden and problem.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

Over labor day weekend I leased a Hyundai from XXXX Hyundai in XXXX XXXX, CA. 
I checked my credit report later that week and noticed that there were XXXX inquiries per bereau, XXXX from XXXX Hyundai and XXXX from Hyundai Motor Finance. I did authorize my credit to be ran by the Dealership for lease approval, but was under the impression that it was only being ran one time. I did not authorize my credit to be ran two times. 

I contact XXXX, XXXX, and XXXX, all of which asked me to contact XXXX Hyundai, which I did. XXXX did not give a sufficient explanaiton as to why this happend and again I did not authorize XXXX pulls on my credit.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

I sent Citi bank a letter informing them that the information being reported to XXXX  XXXX  and XXXX  was inconsistent so I dont know who is reported accurately. I asked citi bank 3 times to provide me with the accurate information about the listing. I asked them to send me validation for the account and the only thing they have sent me was the status of the account saying when the last payment was made and how much it was, thats not what I was asking and they have send the same letter 3 times. I sent 2 more letters to them that they have not responded to but I have a return receipt from them and they have refused to fix the problem. I want this account removed from my credit reports immediately
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that XXXX be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-10-28
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. (CA)

XXXX XXXX XXXX Account Ive called numerous times to this company for them to validate this debt, and they still dont. This account isnt mine. Im asking them to prove this account belongs to me or remove it from my credit report.