davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I requested that Experian, a credit reporting agency verify negatives on my credit report. I sent them a certified request letter that was sent out on XX/XX/XXXX and received on XX/XX/XXXX. 

A certified letter was sent on and delivered on XXXX XXXX. Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 in XXXX, PA XXXX. 

Tracking XXXX XXXXXXXX
Consumer complaint received 2018-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I have repeatedly reached out to national credit systems for more information on the debt appearing on my XXXX, XXXX and XXXX account. I have called and the debt quoted to me does not match what is put online. I have tried to call original company and it is not working.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I recently legally settled my debt with XXXXXXXX XXXX XXXX and started making payments per our agreement- they sold this debt to Portfolio Recovery Associates of XXXXXXXX XXXX. They immediately showed this as due in full without any mention of my settlement. My sister who is a co-applicant has been diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX. This has ruined our credit and we cant pay for her treatments. XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

My name is XXXX XXXX, on XX/XX/XXXX I submitted CFBP complaint ID XXXX for an unauthorized payment made by Wells Fargo Mortgage to XXXX XXXX XXXX on XX/XX/XXXX for a balance that had been paid in full two months prior in XX/XX/XXXX based on out of date information. Since the initial complaint Wells Fargo has postponed the resolution date twice and I just received another notice indicating the resolution date is being extended again until XX/XX/XXXX. I feel this is a completely unnecessary delay for such a simple matter. I have already provided the documentation that verifies the payment was made in full two months prior to their payment and the associated account has been current since the payment in XX/XX/XXXX was made. When I spoke to the Wells Fargo case manager she had indicated that an investigation had been done and the findings were that the balance on the account was still outstanding at the time of their payment which has been documented and confirmed not true. Can we please have the issue resolved and have them facilitate the refund of their funds from my account as soon as possible without any Duty to myself.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NEW YORK COMMUNITY BANCORP INC (MI)

On XX/XX/XXXX i received an email from my auto loan and a personal loan that i had missed a payment. My payments are automatically deducted from my Flagstar Checking account. I logged onto my Flagstar online account and it said i didn't have any active accounts associated with my name. I went that same day to my local branch and they informed me that all of my accounts had been closed on XX/XX/XXXX. They said that cashiers checks were mailed to my old address that i haven't lived in for over 3 years. The Flagstar representative called multiple people and they said they couldn't tell me why or how to get my money. Finally she said there is a number at the bank, that they can only leave a voicemail to and someone would call her back. I went back on XX/XX/XXXX and XX/XX/XXXX and they said no one had called them back. They left voicemails both of those days as well. I went back there today XX/XX/XXXX and they said they hadn't heard anything and didn't know what to do.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MS)

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM ALL THREE CREDIT BUREAUS XXXX & XXXX XXXX ID FRAUD VICTOM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MYA HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES, DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-03-25
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. (FL)

Pursuant 18 U.S.C. 8- I do not own any debt ; this company is violating my consumer rights to privacy. 


Account name XXXX XXXX Account number XXXX
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERICONSULTANTS, LLC (TN)

AMER consultants was supposed to settle my loan modifications with XXXX and the meeting was supposed to take place but each time he blamed XXXX and when I called XXXX, they never heard of them. his name is XXXX XXXX XXXX he keeps calling me to act like he wants to help but he just wants my money now my house will be sold in the morning at XXXX. I feel as if someone did this to me to make me lose my house on purpose so they could buy it. I owe XXXX and its worth almost XXXX XXXX  if I add or finish my addition of XXXX square feet.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

On XX/XX/2023 I requested in writing proof of debt. My information was involved in the Equifax Data Breach. Claim # XXXX. XXXX XXXX XXXX did not send anything one letter stating was valid account. I have not received copies of anything.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

On XX/XX/2024, I submitted a letter outlining inaccuracies and unknown items appearing on my credit report. Despite the statutory requirement for a response within 30 days, I have not received any communication or resolution regarding my dispute, even after over 60 days have passed.

Under Section 611 ( a ) of the Fair Credit Reporting Act, any failure to investigate reported discrepancies within the mandated timeframe warrants the immediate removal of those items from the credit report. Given the extended period without any action taken, I am deeply troubled by the lack of response and the apparent neglect of my dispute. 

Additionally, I am gravely concerned about the potential compromise of my personal information due to the XXXX data breach. As a victim of this breach, I fear that my sensitive data may have fallen into the wrong hands, leading to further issues with identity theft or financial fraud.

The combination of unresolved credit report discrepancies and the looming threat of data breach repercussions has caused significant stress and uncertainty for me. I implore your office to address these matters with the utmost urgency and professionalism to safeguard my rights and financial well-being. 

In light of the prolonged delay and the potential risks posed by the data breach, I demand immediate action to rectify the inaccuracies on my credit report and to provide assurances regarding the security of my personal information. 

I appreciate your attention to this matter and eagerly await your response and resolution of these pressing concerns.
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (SC)

I cancelled my homeowners ' insurance with XXXX effective XX/XX/2023. I opened a new policy to replace that. Truist paid my new homeowners insurance. XXXX billed my escrow account and Truist paid the {$5200.00} premium to XXXX. I had to report XXXX to the XXXX XXXX XXXX XXXX to get them to refund the premium amount which they finally paid on XX/XX/2023. I have spoken to people in escrow department with Truist and asked for instructions to fix the escrow account and return my mortgage payment to {$1400.00} instead of {$2000.00} that they increased it to due to an escrow " shortage. '' They claim they can't fix it. I did nothing wrong by changing my homeowners insurance. Truist made a mistake by paying for homeowners ' insurance twice. Their mistake needs to be corrected.
Consumer complaint received 2018-12-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Called credit acceptance XX/XX/2018 trying to inquire about a debt on my XXXX, XXXX and XXXX credit reports. The company instructed me to contact XXXX XXXX XXXX XXXX the attorney office could not find my name or social security number in any of their systems.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I once again express gratitude for your ongoing efforts to address certain fraudulent entries in my file stemming from alleged identity theft. However, there remain items that necessitate removal. This constitutes my fourth complaint and serves as a follow-up to my prior grievance dated XX/XX/XXXX. As a victim of identity theft, I am submitting a dispute for the residual fraudulent items in my file. Reiteratively, the items under dispute bear no association with any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Kindly expunge the reporting of these items from my credit file, as they are unfamiliar to me. Furthermore, the data pertaining to these items has been expunged from other bureaus, raising doubts about their accuracy and reported payment history in my file. For your reference, I have attached my FTC Report # XXXX. Outlined below are the outstanding items that require removal from each bureau : -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX XXXX remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX XXXX XXXXXXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by me.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (PA)

Today the date of the XXXX of XX/XX/2023 I called Navy federal Bank about my credit card. The reason for the call was to get info on why they never sent me a bill to my house they stated I signed something digital I asked for a copy of that and asked for my wet signature they stated they could not produce that to me. So then I said I need my physical bill so I can pay the bill the right way with remittance they stated we are going to send you a bill out in the mail. Then I asked them do I have equity in the securities that I offered when I signed this contract for this credit card the first person that was a customer service rep stated no you dont have no equity in Navy federal. I stated thats odd and then asked to speak with a supervisior. He got on the phone stated I heard you need help with your credit card sone complications. I stated yes I have complications and stated to him do I have equity in my securities when I signed my contract he stated no you dont have any and I asked him can I talk yo someone that is higher then you maybe your trustee or your cfo can send me a letter stating I dont have any. But thats something I know they are not going to do because it kinda states it on there website which I took I screenshot to show it states equity for members. And Im a member of this bank so Im asking myself it clearly states XXXX if there stating I dont this must be security fraud on there side because they legally placed the info on there website showing that members have equity. I need help with this please they wont let me transfer that equity to my principal balance to zero out my bill that is resulting in my being late. Account is # XXXX
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion LLC keeps disrespecting the laws by reporting these following unauthorize and unrecognize inquiries on my credit report : 1.XXXX XXXX on XXXX XXXX. 
2.XXXX/XXXX  ( Bank ) 3.XXXX ( Bank ) XXXX ( bank ) . 
I did not authorize anyone anyone employed by these companies to make any inquiry and view my credit report.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (VA)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ). 

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution.

Sincerely,
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of identity self. These accounts below are not mine. They have hindered my ability to receive credit. I am demanding that these fraudulent accounts be removed immediately, for they are hindering my livelihood. 

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 2018-12-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (TN)

1st XXXX loss my hardship paperwork packet to have a forbearance of student loans, no one took ownership for it instead place my account with TN Dept of Ed for bad standing of my loans, which then landed my account with a 3rd party collection company which then sold my accont to another 3rd party collection company all this without one contact to me to let me know that I was ever in a bad standing with anyone. After I found out years later ( from missing money on my tax return and credit report pulled to see a Fed loan on it in bad standing w/ negitive marks/ points ) my loans was NEVER places in forbearance status.as I was told it would be ( only one of two options they ever gave me for my loan ). I called XXXX, TN Dept of Ed to find out what in the world was going on, after my repeated calls to XXXX, TN Dept of Ed for months NO one was welling to help me out or take ownership in their errors instead placed all blame on myself for everything that's happed and said I don't have a right to dispute the matter cause I signed that away when I signed for the loans to go to school and they have ever right to do everything that has happened to me thus far and will take my wages by garnishment. No one never once tried to fix their errors, recall my account from collections, or take ownership for the lost of my hardship paperwork they required for my forebearance instead advised me it was my fault I am now with their 3rd party collection company and they can not talk to me. My credit is effected poorly now, money took from my household ( a single mother of XXXX children ) that was over $ XXXX tax return from 2017 and the loans are still high due to the interest never stopped from day one til now ( when my account I was told was in forbearance years ago ) but never placed in that status with XXXX. 
XXXX side note a rep with XXXX even verified that I qualified for hardship in our call when I asked for another forbearance on my loan ( only two options i was ever given for help on my loan ) My account is still in collections and have stress for I don't know what next these people is going to do to me negatively to effect my household. I would have never tried to go to college if I knew i would be done like this and treated so poorly. Is this what the " American Dream '' is all about?! More like the " American Nightmare "
Consumer complaint received 2024-03-29
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (CT)

In accordance with the fair reporting act convergent Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : cap one na Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXXXXXX  without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2024-01-01
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: EQUIFAX, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2019-09-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMW Financial Services NA, LLC (MA)

This report was outdated. How did you verify it when I see that the date iit was last reported was still XX/XX/2013? Date of last active as well is XX/XX/2013. This is also a PAID account so why do you have a Late 30 Days for it's payment status? This is insane! DELETE this immediately.