davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (TX)

Date : XX/XX/2024 Subject : Disputing Information in Credit Report Dear XXXX I am writing to dispute the following information that appears on my XXXX consumer report. I have already written the vendor and requested a correction be made to my report for the mortgage past due mark but they sent a response that it was confirmed accurate. 
Ive attached the letter that explains that I was given mis-information. I was protected with a forbearance plan from XXXX through the end of XXXX because I was laid off from my job and was looking for work. 
I tried to setup the transition out of the forbearance plan and was given bad information on 2 occasions, as indicated on the attached documents. Once I knew about the trial period required by the modification, I tried to make the 3 months payments to satisfy the trial and implement the permanent plan to avoid negative impact to my credit but was told that I couldnt and, if I did, the payments wouldnt count for the subsequent months. This was incorrect information ( See highlighted ) and my credit took a XXXX point reduction b/c it shows Im over 150 days past due. 
I followed the plan exactly as I was instructed to do each time I spoke to them. Based on the admitted mis-information, I would like to request that the negative remark be removed from my record. I have not been late for any payments in well over 10 years on any account and, due to the negative reporting, other credit agencies have lowered my credit limits which has created additional decreasing in my score. Please see the specific details below followed by the communication from the vendor admitting to the mistakes. 
Account # XXXX Source of dispute information : U.S. Bank Type of disputed information : Derogatory mark for past due balance Dates associated with item being disputed : XX/XX/2024 Explanation of item being disputed : The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time, based on the agreement that I had with the bank. I was told it would remain in a good status if I followed the agreement. 
The following documents are attached for reference : - Portion of my credit report showing the account in question - Letter of approval for the forbearance - Denial letter from bank indicating they made mistake Thank you for your assistance
Consumer complaint received 2024-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NY)

In early XX/XX/XXXX I received two checks from Wells Fargo that they had made a mistake during a loan modification and that they owe me money. They sent the check in my name and my ex wife name who we are now divorce and have been since XXXX. My ex also turned the property over to me. I now own the property. I obtain a new title that shows just my name. I ask wells Fargo to reissue the checks in just my name. They ask for the divorce decree and a copy of my title and I sent them this information. I called Wells Fargo back about two weeks later and the representative told me that she had put in the request for the checks to be reissued. On XXXX XXXX I received a letter from Wells Fargo stating that they could no reissue the checks in just my name. The problem with this situation is my ex wife don't communicate like that and we do not have any joint bank accounts in our names, and have not in over 12 years. The title clealy shows that she does not want any thing to do with the property. I also showed them proof where I have a loan modification with them in my name only dated in XXXX. Im the only one paying the bank I have been in good standing for many years. My ex wife does not live on the property and I have very little contact with her. The amount of these checks comes to about {$5000.00}.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (TX)

SOFI banking closed my account XXXX XXXX between XXXX XXXX  2024 SOFI locked my account simultaneously I was going through a natural disasters in Texas I could not fully monitor my account which resulted in a merchant over charged my account of XXXX I started a dispute with SOFI after they closed my account XX/XX/XXXX XXXX SOFI blocks any from accessing prior statements in your account so you cab not properly dispute any transactions.. I started a dispute for XXXX not knowing the merchant over charged XXXX sofi provided me check XXXX before I received the check I received an email from so far stating that they have stopped on my check in order for me to verify my address which is odd is because I've already had account with Sofi so if I has my updated information I have listed the conversations below you will see I did not think the representatives was really serious about canceling my check when I go to cash my check after receiving it via postal mail I received a call 3 days after cashing my check at a local check cashing place the manager of that store told me that sofi put a stop payment on that check now I owe that check cashing place {$1000.00} because it's so fast outrageous and accurate information there was no reason why that check should have been stopped so far says they do not have the power to stop a payment check but clearly they do inside the conversations that have provided below so far has not refunding me for corrected amount of {$3000.00} I already had to pay back the check cashing place {$1000.00} or I would add criminal charges pressed against me because so far the place they stop payment on a check that I've already cashed from sofi still have not received any of my money yet I'm just left wondering what should I do I have a dispute going on but I have not received it dime from sofi
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

We have an adjustable rate mortgage that is serviced by Wells Fargo, that is owned by XXXX XXXX, that is not eligible for the HARP program. It was sold to XXXX XXXX during the time of the banking industries questionable tactics causing the banking " crisis '' in 2008. While the FED has not increased interest rates and mortgage rates are in fact going down still, Wells Fargo has increased our interest rate. We are not behind in payments but it is difficult to afford this rate increase every 6 months. We have been contacted by loan officers from Wells Fargo stating that they can convert the mortgage, we go through all of the paperwork required, for them to tell us that since they only service the mortgage they can not help us. We have tried this several times with different loan officers at Wells Fargo. We are at least {$45000.00} underwater in our house due to the housing crisis with little hope of the value of our home going up to what our mortgage is. We are not behind on our mortgage, we just want some assistance to get out from this horrible mortgage for a home that will never be worth what we paid or what we can sell it for. We are XXXX and would like to retire in a few years but will not be able to retire while we have this mortgage. We do n't want to have to walk away from our home either, but if retirement is in our future that may be what we have to do. No one at Wells Fargo is willing to assist us with our situation. We have tried to refinance the amount but no lender will give us a mortgage for the amount of our current one since the value of the house is so low. My husband is a veteran and we ca n't even get a VA Loan which he qualifies for because of the value. XXXX is still in bankruptcy and will be forever considering the case is constantly being continued.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

I am filing a complaint against Jefferson Capital Systems regarding a debt of {$2300.00} that originated from XXXX. While I acknowledge that this debt was incurred, my financial situation has drastically changed, and I am now unable to repay it. Despite my financial hardship, Jefferson Capital Systems continues to report this debt and is attempting to collect an amount that may not be accurate due to the lack of proper validation. 

I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This includes proof of the original agreement with XXXX and their legal right to collect this debt. Without this validation, the amount they are attempting to collect may be incorrect, making their continued reporting both misleading and unfair.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and debt collectors are obligated to ensure the accuracy of the information they report. Given that this debt is unvalidated and potentially incorrect, its continued presence on my credit report is unjust and harmful. 

I request that Jefferson Capital Systems immediately cease all collection activities and remove this debt from my credit report to prevent further unnecessary damage.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Was told I would be arrested and prosecuted for debt I am unaware of. They call everyday at a min of 10 to 15 times a day claiming they are XXXX or PRA but wont tell me what that means.
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MSCB, Inc. (TN)

I am writing this complaint because I noticed a debt collection agency reported 2 tradelines to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting this alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2024-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (TN)

I am writing this complaint because I noticed a debt collection agency reported a tradeline to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting the alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XXXX XXXX I sent a Certificate letter XXXX to open a dispute in Transunion LLC for a account that does not belong to me XXXX. The FAIR CREDIT ACT REQUIRES TO VERIFY THE VALIDATION OF THE ITEMS WITHING 30 DAYS. They took 120 days to investigate my dispute!!! XXXX XX/XX/XXXX XXXX I receive the results of that investigation, according to Transunion XXXX You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED " even though I sent them a copy of my XXXX consumer report ( XXXX ). I contacted XXXX and indeed they do not have any public records in my reports, in addition they do not have any request for information from Transunion LLC asking for the verification of the account that I am disputing. I am concerned that Transunion LLC is not taking seriously this dispute that I have been with them for so long and it is seriously affecting my borrowing levels. They violate the FAIR CREDIT ACT 30 DAYS VIOLATION. Copy of the certificate letter and copy of my XXXX risk report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Closed COMENITYBANK/COMENITY CARD Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX  XXXX Reported XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Consumer complaint received 2022-11-27
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)

/I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately Creditor : XXXX XXXX Account number : XXXX XXXX Bal : {$15000.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$320.00} Creditor : XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$610.00} Creditor : XXXX Account number : XXXX Opened : XXXX Bal : {$2600.00} Creditor : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Bal : {$17000.00} Creditor : XXXX XXXX Account number : XXXX XXXX Bal : {$250.00} Creditor : XXXX, XXXX  Account number : XXXX Opened : XX/XX/21 Bal : {$260.00}
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (WA)

I received {$4600.00} worth of credit on a Chase credit card, as a result of a refund from a merchant. Two weeks ago, I requested a check from Chase of that amount since this is my money, indicating that I would receive a check within 7 to 10 days. I called back today in order to confirm the status of this request ( after proposed 7 to 10 days ). The Chase representative told me that there was no such request made previously. With a new request today XX/XX/27, the representative told me that a check of {$4600.00} will be made to me within XXXX to 10 days. I asked this to be escalated to a customer service manager XXXX for expedite. When expressed frustration, XXXX told me that the request is made correctly this time. I asked a written notification that this request was made, but I was told that this can not be done. XXXX refused to provide a reference number or case ID. {$4600.00} is a substantial amount of cash, and this is more than a paycheck to many Americans. It is frustrating that Chase is holding my money back to an extended time period without providing enough visibility.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (CO)

For the past XXXX months ( XXXX, XXXX and XXXX of 2024 ) I have attempted in good faith to update my banking information for autopay with Avant. Each time I am told I have to wait another billing cycle before I can update any information -- regardless of whether or not a payment is due. It's a straight forward scam. Customer makes a couple of attempts - fails, gets busy, auto pay bounces on old bank account and late fees pile up. The XXXX 's simply stall and come up with all sorts of excuses when I call to update my banking information. The website has a hard stop for autopay updates and repeats the same message ( see attached ). This is regardless of whether or not a payment is due. 

I can no longer service this debt. The late fees have made it impossible now. I understand this is my decision, and they will report me late to the major repositories. It has always been a struggle with Avant, but now it has become untenable - financially. They refuse to allow me to make timely payments -- bottom line.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have disputed these " debt buyer '' to validate these debts and they have failed to do so. They did not provide me with binding contracts, receipts or any evidence that I have to pay them. According to 15 usc 1681e ( b ) that anything report must be accurate or it must be deleted. What was provided that everything was certified that is was accurate or updated, how was that done? I requested a reinvestagation but nothing changed. I believe these companies as well as the CRA has violated my consumer rights.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I called chase support for multiple services and one of the service was to do a credit limit transfer from my freedom rise card to freedom unlimited. I asked the agent to do a transfer of {$2100.00} from my freedom rise to freedom unlimited and leaving {$700.00} credit limit on my freedom rise. After the agent finished I asked if there are product changes available for freedom rise and he said freedom unlimited and other cards which I said its ok I'll just keep it and I ended the call. The next day I opened the chase app and saw my freedom rise account was closed so I called chase which the first agent told me that I closed the account but I told him that I didn't and he transfer me to a manager. The manager said the previous agent misunderstood me and it was a mistake and she couldn't helped me reopen my account.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MA)

I am a visctom of identity theft and I have asked and request for the credit agencies to ask the creditor to provide prrof of the claim they never did asked the creditor to provide proof of the claim they say they have my address and account information but they never say from who when I call them no one responded then i get another notification of harrasment saying I will be prosecuted how ever no court order this istuation is agravating I am running out of resources to hanle thos calmly I cant sue or prosecute them becuase the entity does not exist
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I hope this letter finds you well. I am writing to dispute inaccurate information on my credit report as provided by [ Credit Reporting Agency Name ]. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I request the immediate removal of the following information : I respectfully request that you investigate this matter and remove the inaccurate information from my credit report as soon as possible, but no later than 30 days from the date of this letter, as mandated by federal law.

Please provide written confirmation once the inaccurate information has been corrected and the updated credit report has been issued. You may reach me at the above address or by phone at [ XXXX ] if you require any further information.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Trans Union XXXX. XXXX XXXX XXXX, XXXX XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
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: Resurgent Capital Services L.P. (MS)

Information on my credit report that is not mine. I disputed it multiple times, but they keep on reposting it to my credit report. It is not mine at all. Im not understanding how they can put something on my credit report and not have it verified the accounts that I have listed, and that are provided or accurate and does not belong to me. 

And also incorrect credit inquiries thats on my report