davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-11
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. (MD)

Hello CFPB, I 'm writing today to report issues with  XXXX  accounts negatively reporting on my   XXXX   and Experian credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company 's I submitted investigation request to were Experian and  XXXX .     For accounts being reported by  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .     The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I have  XXXX  missed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.
Consumer complaint received 2017-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I contacted  Portfolio Recovery Associates regardin g an account listed under  XXXX  different original creditor names that appear to be the same account. Regardless both are erroneous, and they are reporting as a collections account on my credit report. This information is totally inaccurate, and they were given time to investigate. They broke the law by not adding the proper verbiage to the account within the allowed 30 days, and they have not presented any documents showing where I have ever had a contractual agreement bearing my signature to pay them anything. This is derogatory information on my credit report and is in direct violation of federal laws. I demand this inaccurate information to be deleted from my credit file with all the credit bureaus immediately. I am attaching ALL documentation backing my claim to make said claim as clear as possible. They replied with a letter stating they reviewed the dispute and their records indicate they have already responded to a previous dispute same as my present dispute. This is not true. I never dealt with  Portfolio Recovery,   therefore no documentation has ever been provided to me bearing my signature.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (ME)

Beginning on  XXXX / XXXX /  XXXX   we started autopay on our mortgage loan with US Bank.   The amount was {$50.00} more than the monthly payment and was to be applied to principle. What we discovered is that US Bank has only been applying {$22.00} of that amount to the principle. I called today and they said they would n't go back and adjust but would make sure that the overage was to go to principle only. They said I would need to prove that was what we wanted. I explained that my statement shows the {$22.00} being applied to the principle so that is acknowledgement on their end that they knew the overage was to be to principle. This has been going on since the onset of our loan. I believe it has been going to interest. The amount due has changed periodically due to increase in property taxes, but is still less than what we specified for application when we started autopay. I asked the  CSR  how made the decision where to apply the overage and why no one contacted us? What can we do about this? we can show we 've been paying over the amount due since day one.
Consumer complaint received 2017-05-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (FL)

In response to my first complaint (  XXXX  )  XXXX   XXXX  sent information to an address that does not belong to me, never has belong to me, and to which has been a disputed address on my credit reports. Whether mail was returned via the post office is not for me to find ou t, 1.  How would I know mail was sent if the address is not mine?     If mail such as this was sent via certified mail with signature requested then we would n't be going through this right now. Santander nor  XXXX   XXXX  sent me validation of this debt or the notice it was going to be reported, nor did either of them send me the notice of sale after repossession until this complaint was filed then  XXXX  sent notification and documentation. This is against laws, and part of a repossession is to provide a date and time of sale in case the consumer would like to gain ownership of the car again and that 's was never received until after complaint through the CFPB.
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

On today   XXXX   XXXX   XXXX   a representative of the company  National Credit Systems of  XXXX  Ga  contacted me in reference to a rental property bill from  XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the  manager   XXXX   XXXX  who refused to help and was also rude. I called again to verify that the representative who called name was  XXXX   XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.
Consumer complaint received 2017-05-11
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (NJ)

At  XXXX  today, Thursday,  XXXX   XXXX ,   XXXX  , I received a call from an  XXXX . Since I do not answer calls from numbers I do not know, it went to voicemail. The message was left from "  XXXX  '' at Navient (  XXXX  extension  XXXX  ) regarding " an urgent matter '' about my live-in girlfriend 's private student loan. The call was made to my cell phone which I use for work. I am not a borrower or co-signer and I never provided my phone number to them. They have no business contacting me as I have no business with them. If they continue to call me, as they do to harass her, I will be forced to pursue legal action. I do not want to be contacted by Navient again.
Consumer complaint received 2017-05-10
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. (NC)

I normally monitor my credit through   XXXX   XXXX  ,  XXXX   XXXX   XXXX  and now   XXXX   XXXX  . I noticed that there was a social security, address, name  ( s )  linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However,  XXXX  of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contactin g one of t he companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have  XXXX  different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account (  s ) A nd also I am unable to pull my credit report directly from   XXXX   because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (IL)

I have had the same problem occur for the last two months. Collection agency  Receivable Management has repeatedly added an account on my credit report with inc orrect statuses, balances etc. Even after having the account deleted, they add it back with more incorrect data every month causing a large reduction in my credit scores for   XXXX   and  XXXX . Then afterwards it gets removed again only for it to show up again dropping my credit scores without prior notice or with correct data. I have called the credit bureau s and Receivable Management concerning this issue and they are unwilling to fix the problem. This accoun t has been removed and should not be added every month.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

Motoring my credit thr ough 3 different websites I have attempted to correct false information. When getting in touch with the credit agency they inform me that my name is linked to a closed account ( s ) and I must contact the banking department. My name has been reported and linked to 1 o r more accounts incorrectly. I am unable to resolve the problem myself and upon inquiring with the company ( DSNB Macys ) they proceed to tell me the account is so old it should fall off soon. But its reflecting badly on my credit report and I want it fixed! Also the card was paid off but reopened under my social but incorrect name. If its not my name why is it being reported as such? I also noticed that there was a incorrect address and social linked to my credit report which was fixed and removed but not the names.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I have been a Credit Card customer of Barclay Bank for years, and recently, I had missed a payment because I did n't receive the statement. When I received an email AFTER the payment was late, I immediately logged online and paid the entire balance including the late fee. I called to ask for a waiver of the late fee as I did n't get a statement. And the bank refused citing that they had waived it once before which the reason again was because they did n't send me a statement at that time. I offered to remedy any future missing statements by setting up autopay but the rep was adamant about no fee waiver the  2nd time. I have been a customer for many years, and had never ever missed a payment except these 2 times. I asked for this fee waiver as a final time since setting up autopay will avoid any problems in the future. A manager did call me back but he called me on my WORK phone when I specifically asked to be contacted by cell phone, and I provided the cell number. I ca n't believe the manager left me a voicemail at work when I did not want my personal business to be left on my work number! They did n't respect people 's pr ivacy
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a  XXXX  so I can understand maybe the confusion but not after I 've disputed and shared this info with them.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-05-10
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. (MO)

I have contact Experian on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same company withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX    XXXX  this is a company that leases equipment to businesses. I am not a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with Experian and told them that tthis   XXXX   XXXX   is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy  discharged  in  XXXX  2017. any inquiries listed before  XXXX  were not authorized by me. Why would I apply for  credit one day and then apply to the same company the next day? something  is not right with the inquiries on my credit file
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

This shady bank,  Wells Fargo , will change your checking account type and thus account requirements for monthly fee avoidance and only notify you at the bottom of your online statement which I never really access. Then they charged a monthly fee by bumping up the requirements for the account whether it is minimum account balance, number of debit card transactions, or whatever else the requirements for waiving the monthly fee. Disclosures should be agreed upon before a switch can be made, or else they should have to close the account if they do n't get a positive agreement for the account changes.
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NJ)

I noticed a debt in collections on my credit report, back in  XXXX . The medical bill does n't belong to me and I have not had an medical visits around that time. I then disputed the charges to all credit agencies. All three agencies held investigations, all three then concluded the charges were incorrect. I then contacted Commonwealth financial the creditor to inform them of the mistake. They agreed in  XXXX , after conducting their own investigations. But are now still knowingly reporting false debts on my report.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I had an XXXX  loan that was paid in full, but there were issues because I was refunded for the item I had used the XXXX  loan for. It is showing up as negatively reporting on all 3 of my credit report bureaus as 30 days late, when that was not the case.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Freedom Mortgage did not pay our property taxes out of escrow on time. The bill was due on   XXXX   XXXX  . The taxes were delinquent as of  X/X/17   . On   XXXX   XXXX  , I notified them in writing of their error. It is now   XXXX   XXXX  , and we received another delinquent notice from  our county  treasurer office as well as additional late fees. We are worried their error will affect our good credit ratings. I followed up today, and the representative read me notes that they called  our county  clerk and were told there were no taxes due. I highly discourage anyone from using this company. I have had to spend over 4 hours in phone calls rectifying their mistake, and I still do n't have my property taxes paid.
Consumer complaint received 2017-05-10
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. (NJ)

I reached out to  XXXX  an d Trans Union  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Secti on 609 ( a ) ( 1 ) ( A ), y our company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This account was paid off and has continued to show late payments. The payments showing are still showing late.I spoke to the company and they stated they are NOT reporting it late.  ( I   'm not sure who is reporting it, but it is incorrect ).      CAPITALONE  Account Number  XXXX  Account Type Credit Card Terms Revolving Date Opened   XXXX   Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated  XX/XX/XXXX  Balance {$5300.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$5300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone (  XXXX  )  XXXX  Contact Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , VA  XXXX  Ownership Individual  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  Failed to pay DISPUTE GUIDE >
Consumer complaint received 2017-05-11
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. (AZ)

To Whom It  May  Concern ; I received notification through my   XXXX   XXXX   app that an account that was on my credit report was removed. This was on   XXXX   XXXX    2017 w ith the Equifax credit bureau. I waited a few days, called the bureau to request a free, detailed credit report. After reviewing the report, I noticed that the account in question (  XXXX   XXXX   XXXX   XXXX  ) remained on my credit report. I know   XXXX   XXXX    works very closely with the bureaus and they would not send me false information and or updates, as their information comes directly from the bureaus. I am submitting this complaint due to the lack of compliance from Equifax. This is an unfair practice by a credit reporting agency.