davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo, why did you recast my account using Federal Tax Dollars from HUD, under the lie that I needed financial assistance instead of using the over {$150000.00} I had in my checking account? 

I was just looking for a vehicle in which to get the money to you. When your company approved a RECAST modification to use my own funds in XXXX of XXXX your loan preservation rep XXXX XXXX told me to disregard the letter, and complete the modification ( that I didn't need OR ask for in any way! ) first, and then I could recast later? Your Asst. VP of XXXX XXXX XXXX XXXX stated once a modification is completed I would no longer have been allowed to recast my account. She lied to me and I trusted her. Pull the calls!!!! 

Why did XXXX CFPB Rep XXXX XXXX lie to me and tell me in XXXX of XXXX that all calls from XXXX and XXXX were deleted, when they were all pulled up a year and a half later by XXXX XXXX and XXXX XXXX? 

Why did XXXX XXXX tell me to accept what Wells Fargo has done to me for my own XXXX and XXXX  health? He advised me, by Wells Fargo taking HUD funds on my account really worked out for everybody because Wells Fargo got an extra ten years in payments, and I got to get a modification with no money down. That way I could use the {$100000.00} I tried to give to Wells Fargo and invest it in the stock market instead, and maybe double or even triple my investment? When did XXXX XXXX become my financial adviser, and health provider? 

Do you think its fair to me to keep me in constant research over this issue for almost 2 years this bout alone, and 33 cases to date opened and closed on my account with no resolution from Wells Fargo? Does CFPB allow such lengthy timelines? If so that is news to me. Youre in violation of my rights regarding this issue. 

And lastly Wells Fargo, why did you try to pay me off with XXXX and Non-Disclosure Agreement if you followed all of HUD 's guidelines and Procedures? Your offer was insulting at best. 

Thats a start. Thank you.
Consumer complaint received 2018-07-26
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: Experian Information Solutions Inc. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX  : XXXX XXXX /XXXX XXXX XXXX XXXX. Experian : XXXX XXXX  : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
Transunion : XXXX XXXX /XXXX XXXX  XXXX XXXX. XXXX : XXXX Transunion : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (CA)

XXXX XXXX calls all morning, noon, evening and night, and they refuse to stop calling. Their calls are interfering with my employment, and I can not drive down the street without them calling. They are very aggressive. I blocked the numbers that they call from, and they will call from a different number. They are stalking, and harassing me, and refuse to stop the calls. They know I am blocking their calls. Which is why they call from a different number.
Consumer complaint received 2018-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX I was looking for a minimum $ XXXX higher limit but with no fees, lower interest.The suggestions as per reviews came back as American Express Simply Cash . I tried two times to get the forms fields to fill out correctly and it gave me a message that the offer wasn't available despite it took my information and never gave me a response let alone in 30 seconds as advertised. I had made soft inquiries before without any problems like this and became afraid that I was being info sucked to invade my social security account or some way to hurt me. I was then inquired about my bank info from the site that just claimed there was no offer available. 
I called customer service ( XXXX ) XXXX. The man took my social number and referred me over to another guy who was decidedly XXXX sounding. They had some fake sounding recording beep, and when they claimed my application was there I said I wanted to talk to a supervisor. He put me on hold for 15+- minutes and for a total of 20 minutes so I hung up. This is all too unbelievable compared to other applications.
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

I have ask the XXXX XXXX office several times not to call me at work. On XX/XX/XXXX a XXXX XXXX left a voicemail to return her call. I advised them I cant take personal call, do not call & I can be fire. I also ask them not to call refers. They called my husband several times giving him my personal business, search as past due amounts and caused problems in my home. They called my brother n law giving them my personal business as well. I told this office several time to please stop making these harassing phone calls. My cell number is a good number and has been provided as a mean to contact me!!
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (TX)

XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2019-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I applied on XX/XX/XXXX for an Income-Driven Repayment plan on my lender website : FedLoan Servicing. I do this process every year because I can not pay what they request me to pay monthly. I received an email from the studentloans.gov with a confirmation number ( Application Status : PENDING Reference Number : XXXX ). I went through the whole process and completed it. 

I sent an email on XX/XX/XXXX to my lender ( Fedloan Servicing ) asking for the XXXX plan status. They said that they didn't receive my application. I sent my confirmation number to them. Then I received another email on XX/XX/XXXX. Below you will see what it said : Since we did not receive your recertification application, your PFH payment on the IBR expired and the unpaid interest was added to the principal balance ( through capitalization ). Your payment changed to the amount you would have paid under a standard 10-year repayment plan based on the balance of your loans when you entered the IBR. Please note your account is still on the IBR although the payment increased.

They want me to reapply. Something that I already did. They keep saying that the StudentLoan.gov didn't release my application. In the meantime, my credit score is getting lower because of them. What I only receive from my lender are the statements with amounts past due. I can not pay {$300.00} dollars monthly. This is why I applied for the IDR They just call me today XX/XX/2019 at XXXX requesting the monthly payment. I asked them for the status of my IDR plan. They didn't find it. Based on what they said, I owe them almost {$1000.00} dollars.
Consumer complaint received 2024-08-17
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. (TN)

XXXX XXXX is saying they verified a XXXX  XXXX case being reported on my XXXX and Experian credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. XXXX nexis telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at XXXX and Experian. Experian will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (NC)

Experian has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXX and now they are real and putting charge-offs and late payments on XX/XX/XXXX I was also part of the XXXX   breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for Experian XXXX XXXX free age XX/XX/XXXX it's been closed since XX/XX/XXXX
Consumer complaint received 2018-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

Credit Collections Services is reporting on my credit report fradulently. I've contacted Credit Collections Services and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also didn't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2018-07-27
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: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX  balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.
Consumer complaint received 2018-07-27
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: Experian Information Solutions Inc. (FL)

On my credit report from Experian, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. Experian told me to send a letter for they could not find said acct over the phone. 

Experian also report an account from XXXX XXXX XXXX XXXX acct XXXX. I want that account to be erase from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX  from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. Experian did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.
Consumer complaint received 2018-07-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

I disputed this account with XXXX  on XX/XX/2018 information on my credit report was updated but the information was not removed and XXXX advised me to dispute directly with Chase. I contacted Chase and explained to them that the account that they are reporting on my credit report was fraudulent and Chase sent me a Fraud Affidavit to fill out., after I filled out Chase Affidavit along with a police report, Chase denied my fraud affidavit and refuse to remove the fraudulent account from my credit report without a reason.
Consumer complaint received 2023-11-22
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXXXX
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

The company- Midland Credit Management continuously opens and closes the account adjusting the amount by {$1.00}. This in turn has been damaging my credit report as it shows accounts opening and closing quickly. I have tried to reach out to the numerous times. They insist it is not their doing. When I talked to the credit bureaus they directed me back to Midland Credit Management as the bureaus insisted that they were unable to do such a thing and they only reflect what information the creditor is giving.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

XXXX XXXX has already removed account # XXXX from my credit profile discharging it because they couldnt produce documentation with my signature or a instrument of indebtedness or any type of electronic signature or any photo Id or social security card to prove I opened this account. Now today XX/XX/2018 I receive a letter from them stating they verified the account buy sending me a bill in what way shape or form did that verify anything. I never authorized this account. Produce proof of me opening this account with documentation if not leave me alone or I will seek legal action against you and XXXX which is the original creditor thank you
Consumer complaint received 2018-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: SUNTRUST BANKS, INC. (NC)

On or about XX/XX/2018, I paid my monthly bill through Suntrust Bank, acct # XXXX. My rental check of {$1500.00} that I requested was never sent to my rental agent, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; therefore, XXXX XXXX XXXX began a small claim ( approximately {$220.00} ) against me for none payment of rent for XXXX. I had asked for the check to be mailed by XX/XX/2018. After the XXXX county sheriff put a summons on my door XX/XX/2018, I paid XXXX XXXX XXXX {$1800.00} ( rent plus the cost of court. ) On or about XX/XX/2018, XXXX XXXX XXXX sent me my lost check. The company said a XXXX XXXX found the check included in his accounts receivables. He then took it upon himself to deliver the check to the intended company. 

The company that Suntrust uses for Billpay is actually unknown to me, and they won't divulge the name. I believe the company is XXXX, located in Florida. .1. I made a claim for the Billpay company to refund my {$220.00} ; they never replied to me ; however they wrote in my file that I supplied them with an incorrect mailing address for XXXX XXXX XXXX. That accusation is incorrect. That company had paid to that same address for the three previous months without any incident. 2. The Billpay company owes me a written response.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For the original complaint id XXXX, the Bank of America ( herein after mentioned as Bank ) has failed to understand the complaint. Therefore I am explaining the complaint again as under with screenshot of Bank of America 's mobile application for FICO score. 

When XXXX ( Bank 's employee ), applied my credit card, he had told me that I would be always able to see my FICO score in Bank 's mobile application. I never require to pay to any credit score company to watch my FICO score, I will be always provided FICO score in the mobile application after signing in the Bank 's mobile application with my username and password. 

After logging in to Bank 's mobile application, I can see my account balance for check-in account and few details of credit card as well but I am not able to see any FICO score available to me. 

I have visited many times in-person to the XXXX XXXX branch situated in XXXX ( which opened my check-in account and issued credit card ), they told me that I will get FICO score automatically in mobile application after first 6 months of credit card. First 6 months have been passed from many more months, and they still give me the commitment for further 2 months to wait. 

I did not ask you to pull my credit details and harm the credit score which already did on the name of courtesy. Don't access my credit score without my permission.

It has been mentioned in the application that the FICO score is provided every month by XXXX. If it is freely provided to every credit card holder through the mobile application, why I am still not provided the FICO score in the mobile application. 

Make my FICO score available without any charges in the Bank 's mobile application.