davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (CA)

I have reported Experian over and over for breaking the law intentionally report after report and i would like to know why they continue to get away with this crime over leaving my life in distress and will be suing them and CFPB if am told that the CFPB governs them and they have been sued for the very same thing my rights are being violated, WHEN is Experian going to be held accountable for destroying my life. I have given proof along with reporting this blatant disregard for the law and is keeping my son and i homeless and I'm XXXX. How would you like to be homeless all because Experian has decided to break the law and has billions of dollars to say they dont care and contiunes to get away with this crime, so i suggest that the CFPB starts making Experian remove these two items off my credit report right now and i mean now they have no legal right, can not reinvestigate any further because they can not supply me with a legal answer. The account # XXXX ... ... for XXXX XXXX for XXXX.. a charge off is a stolen CAR, its past the legal statue in CA of 4years and its been 5 years, and i have reported them for harrassing me and conspiring to commit this crime to a XXXX person. Experian gives me illegal verification and has been harrassing me as well since XXXX when i first started requesting Experian remove it. Make them remove it now PLEASE for the love of XXXX! The next account is from a collection agency i have no legal contract or legal obligation to pay any money to BY LAW which is XXXX XXXX XXXX XXXX, for {$350.00}. Every time Experian or CFPB ignores my violations of the law, my lawyer gets to add to the amount we are for sure suing for destroying my life, putting my son and a XXXX woman on the street to be subjected to being killed do you understand me!!!!!!!!!!!!!!!! Remove these two items NOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! My amount to be suing for is well almost over XXXX and if this gets ignored one more time then both companies are responsible for attempted murder everyday you both keep my son and i on the street with murdering immigrants all over the US i might add!!!!!!!!!!!!!!!!!!!!! remove these two items in the name of justice once and for all!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (IL)

This morning, I found unauthorized inquiries on my credit report, and I have no clue why. I routinely check my credit, but these discrepancies appeared out of nowhere. I tried refreshing the page thinking it could be a mistake, but the inquiries didnt disappear. Im beyond frustrated by this and urgently request a thorough review of the documents Ive submitted to get this resolved permanently.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX XXXXDate Opened XXXX Balance {$180.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$7800.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$1600.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-05-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

1 ) In  XXXX     2017 re ceive d 3 n otices from  Wells Fargo Stating that payment was late fo r the month and that a late charge was being levied. I was also sent notices threatening foreclosure and credit degradation.       2 ) I was further instructed that payment was due on th e   XXXX   of  each month and only as a courtesy they were tolerating a 15 day late period which is directly contrary to My VA loan closing statement clearly states that I have up to the  XXXX  of every month to make payment without penalty. That is a part of my contract with the  Veterans Administration and n ot a " courtesy ''. It is contract.        3  ) I received a  XXXX     2017 not i ce from Wells   Fargo Stating t hat a shortage was detected in the Escrow Account, for the amount of  XXXX  and that if I paid the amount by  XXXX  's payment my new payment would be  XXXX  I s ent Wells Fargo , Checks for  XXXX  ( ck  XXXX  ),  XXXX  ( ck  XXXX   )  and  XXXX  ( ck  XXXX  ) which total in excess of the  XXXX  Escrow account Mortgage account combination by  XXXX  Less the  XXXX  " shortage amount '' leaving a refund due of  XXXX .      Wells Fargo is  refusing to refund the  XXXX  overage.        4 ) Wells Fargo  consistently misled and falsified records saying that I made monthly check payments of  XXXX . I have never written the monthly checks for that amount.       5 ) I have written repeatedly about the " unapplied '' funds account that appears to be used as a paper front. I write checks that say either principal &  Interest  only or escrow only an  d Wells does not deposit them in either but liquidates them into an " unapplied '' funds account, which has no legally binding balance sheet. ( A balance sheet is not a work sheet ) Then Wells deducts the amount they choose, leaving an balance that does not show how much was deducted from the " unapplied '' funds account and how much remains in respect to that
deduction.. 6 ) I have never been late on this VA Loan in the near 10years of its     execution. I have never fail in taxes nor insurance The balance in the unapplied account is never fully applied to either account Mortgage PI nor Escrow, yet there is a paper front that the account exists. It would not surprise me to find out that this money is being used to support other accounts not related to mine. There is no legitimate reason that this account should exist.
Consumer complaint received 2017-05-09
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: EQUIFAX, INC. (WA)

On   XXXX   XXXX   XXXX    , I applied for a mortgage loan. The lender pulled my credit reports and notified me of  XXXX  collections being reported, which I am certain do not belong to me.     On   XXXX   XXXX   XXXX   I mailed a letter to the information furnisher requesting debt validation.     On   XXXX   XXXX   XXXX   I faxed personal identification documents to Equifax including a copy of my driver 's license,  XXXX , and utility bill.     On  XXXX   XXXX   XXXX   XXXX   I   mailed a letter to Equifax disputing both collections as errors. I informed Equifax that the accounts were not mine. I also advised them I had already contacted the information furnisher to request debt validation, which they had not provided to date.     I received the dispute results from Equifax dated   XXXX   XXXX   XXXX    . For both collections, Equifax stated We verified that this item belongs to you.     Since I never received any response from the information furnisher directly, I wanted to know how Equifax was able to verify these erroneous items. On  XXXX   XXXX    XXXX  , I mailed a letter to Equifax, requesting the method of verification and contact information of the person who verified the accounts.     I received a response from Equifax dated  XXXX   XXXX    XXXX  . It was a description of the general procedure Equifax often uses to investigate disputes, but did not provide any details regarding my specific situation. Equifax ignored my request for the name and address of the person who verified the accounts.     I  do not believe that Equifax conducted a sufficient investigationor any investigation at all. I would like them to provide me with specific information about how the accounts were verified ( including documentation used ), as well as the name and address of the person contacted at the information furnishers company. If Equifax can not provide these details, then the only acceptable resolution is deletion of both collection accounts from my credit report.
Consumer complaint received 2017-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I did get a loan with the  XXXX  which was turned over to Treasury. Treasury seems to think I have money. I think what is more true is that if you are without money you get hassled more. Look a t Donald Trump. He h as managed to not pay anything for a long time.     I have attempted to resolve this issue with the Treasury department. I submitted an offer of settlement  to ConServer. I  have asked Conserve to provide me the correct document would be a current loan statement which verifies the account number, the account balance, the current amount due, and will verify if there are any past due payments pending. ConServe failed to forward on any information, including taking payments. ConServe negatively reported me to  XXXX .     Because of this negative reporting I ca n't get a student loan. Ha more debt.
Consumer complaint received 2017-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

I have a condo loan that I refinanced. Currently with  Ditech  mortgage. I originally lived in it but moved out due to the elevator not working  (    XXXX   XXXX    XXXX  veteran that   XXXX   XXXX   XXXX   XXXX   ).     I was told that I would have PMI and was not given any PMI disclosure form or anything to sign. I had assumed that it would be discontinued automatically a t 80 %   equity. I contacted  Ditech  at that point  (    XX/XX/XXXX  ) sin ce I had always been on time with my payments and had paid my mortgage down quickly. I was told that in a lette r  XX/XX/XXXX  I wa s a t 78.6 % an d it was not going to be removed until I was a t 70 % .. Sinc e that time, I have written a letter requesting a copy of the PMI disclosure, and called them asking for it. I talked to  XXXX  on    XX/XX/XXXX     XXXX   pacific time . She said my appraisal was  XXXX  and I was scheduled to have PMI removed at  XXXX . She could not find a copy of my PMI document electronically but requested it from archives. I had previously been told my automatic removal date ( before beginning the paydown would have been   XX/XX/XXXX .  I continue to pay extra on my mortgage and would never have agreed to refinance with a removal at 70 % since this would not have gained me anything on my refinance. I feel my PMI should be removed immediately and all PMI refunded when I hit the 80 percent. I have no desire to pay for an appraisal.
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated (NJ)

on    XX/XX/XXXX       XXXX   XXXX   XXXX   XXXX    address   XXXX   XXXX   XXXX   XXXX  , new jersey  XXXX  Phone number  XXXX , filed case against me case number   XXXX   XXXX   in   XXXX  county  on beh alf of UNIFUND CCR, addr ess   XXXX   XXXX   XXXX   XXXX   OH  XXXX  phone number  XXXX , which was dismissed  on  XX/XX/XXXX  b ut till today 's date    XX/XX/XXXX    there is a judgement showing on my credit report by Unifund when I call  Unifund th ey told me to call   XXXX   XXXX   XXXX  . when I call   XXXX   XXXX   XXXX   they told me that they have nothing to do with this case. I have to call unifund so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me   XXXX   XXXX   XXXX   they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( Unifund ccr ) records but my  XXXX  credit report showing that   XXXX   check my report  on   XX/XX/XXXX   I ha  ve the proof if u want I can submit them to I think this is a fraud.      unifund ccr this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

My only names is XXXX XXXX XXXX I have never used another variation Multiple accounts listed with XXXX XXXX XXXX that is not my address XXXX XXXX is no longer my spouse and my last name has never been XXXX
Consumer complaint received 2024-10-25
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: Experian Information Solutions Inc. (SD)

Recently, I reviewed a copy of my credit report and identified several inaccuracies. These discrepancies are negatively impacting my ability to obtain credit. I understand that credit bureaus are responsible for investigating accounts to ensure their accuracy. I kindly request that you verify the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

Follow-up on Case #  XXXX  On  XXXX   XXXX ,   XXXX   at  XXXX , I received a call from Chase introducing herself as  XXXX   XXXX   from the   executive de partment. The number that registered on my phone was  XXXX . I was suspicious of that call because of the questions she asked me and she concluded right away that my accounts were closed and she said that since I sent my complaint to CFPB, if I remember it right she mentioned that I should be receiving from CFPB a letter confirming what she told me that my accounts were closed. I have doubts about her because since my whistle blowing, in my experience I have encountered several people posing as someone who is authorize to give information, as if the calls were legitimate. Yesterday,  XXXX   XXXX , she called me again to ask the address of the branch that I have complaint about when last  XXXX   XXXX  she insinuated that my case was closed. This time the number did not register on my phone. When I asked if that was how the bank would handle a complaint, I did not get a satisfactory answer. The complaint I prese nted was more about closing an account. I also received a letter from Chase Executive de partment acknowledging that they have received my complaint but the letter was not signed. When I was typing the complaint last  XXXX   XXXX , I noticed that there was a notification that someone was editing what I was typing. When I printed the complaint, it showed that I did not address my complaint to the bank. I did. I have gone to the bank to ask for the release of my settlement a lot of times.  Maybe ten  times. If the settlement was released to me, I would not have mentioned other grievances with the bank. I am filing this complaint because I am suspecting that this network is again intercepting any communications to me about this complaint.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On approximately  XXXX   XXXX  my son moved to Oregon, and when I checked flights so I could visit, I found that   XXXX   XXXX   had service from   XXXX   XXXX   XXXX  . While I was looking at flights on my tablet I saw an ad for a   XXXX   XXXX   branded Visa card offering mileage benefits. I signed up, supplied name, address and requested info and submitted the request. After the submission a popup appeared with terms and conditions and I noted there was a {$75.00} fee. That day  I  tried to find a contact phone number on the popup, to complain that there was NO notification of the fee prior to the submission action, but I was unable to find an active number. I wrote myself a reminder to contact the company after I received the card, with the intention of simply explaining the problem and cancelling the card ( and the fee ).   Yesterday,  XXXX   XXXX ,   XXXX  , the card arrived, and I called the number on the back (  XXXX  ). After explaining the problem to the agent, I was informed that it was my problem, and that the fee was expected to be paid even if I did not use the card.   I feel that their web-based promotions are badly presented and purposely misleading. I would like Bank of America to cancel this credit card account and remove the {$75.00} fee. If this resolution is made after the date this {$75.00} fee comes due, and I am forced to pay any yet to be received invoice, I ask that that amount be refunded to me via check. I further ask that there be NO negative credit report issued because of this misunderstanding.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

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.

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 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a continuation of  Case  #  XXXX . Bank  of Ameri  ca/ MB  NA does not respond adequately, which is part of the original complaint, and the continuation of the problem since 2016. ( I asked for communication from assigned representative of Bank of America/ MBNA in 2016. Never received. I was instructed to write to another department at Bank of America/ MBNA . Again, no reply. I was told no negative actions would occur to me while in this process Bank of America/ MBNA set forth. Negative actions occurred, causing distress. ) Bank of America/ MBNA continues to cause additional distress, and it appears intentional.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

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.

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 2017-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center (WI)

We are repeatedly, wrongly targeted for collections calls for an individual named XXXX XXXX. Our family has had this number for at least 14 years. We do not know XXXX XXXX. Based on an internet search, a previous phone number of his was close to our number, but he never had our number. We received these calls even when it was publicly available that he was in jail or prison. This demonstrates what little effort the collection company puts into finding the debtor. The number gets recycled and for years we have dealt with multiple recorded phone calls. It appears that the recovery companies feel no obligation to verify the currency or accuracy of the phone numbers before plugging them into their auto-dialers. Because they are recorded calls, efforts to talk to real people to correct the problem are fruitless. Over the past decades, I can honestly say that we receive more calls on our landline for XXXX XXXX than any single member of our household.
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

My name is  XXXX   XXXX ,  SSN   XXXX  DOB  XXXX / XXXX / XXXX  I used to have  XXXX  credit cards with  NFCU  back in  XXXX , long story short, I ended up in the hospital and unable to make  payments, account went charged off, I contacted NFCU because the amounts just do n't add up to me, I asked NFCU for a full account audit including contracts signed between NFCU an d me showing my signature as well as a FULL account statement showing why my account is that balance in both of the credit cards by law, if they can not provide with these items, they MUST REMOVE the records from my credit report and they have failed to do so. Also, they have  XXXX  account showing twice in my credit report, so instead of it being  XXXX  accounts it shows  XXXX  accounts.