davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (WA)

I am not sure on the dates are I am going to have to look back and gather all my records because this is insane. I got my income tax so I paid off almost all my collections accounts. I also asked them to take it off my credit report. Not long after I paid it off I get a letter saying I owed the same exact amount I just paid. So I went on my credit report and checked where it said dispute so I could let them know I paid it. Not long after that I get a letter saying if I dont pay that I am going to have legal action taken. So I called right away to see what was going on. They insisted I had not paid anything and I argued that I have the receipts to prove it and asked them where I could send them. They refused to answer and kept saying that I owed the money and they would not let me talk to anyone else higher up so I hung up and called back. I got the same exact responses I got from the last person I talked to. I just got another letter in the mail saying I have not pairs it but its in review. Im sick of this I have paid it I have proof and they are messing with me increasing my credit like I have been trying to do and Im not happy at all they will not stop and I am through. This was lvnv funding I talked to and it was to collect a debt for XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (NV)

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (MD)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2024-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the XXXX  accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, Navy Federal, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The XXXX XXXX XXXX XXXX  that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I used my XXXX bank credit card to pay off a XXXX XXXX XXXX Credit Card at Comenity Bank. XXXX processed the transaction on XX/XX/2022. As of today, XX/XX/2022, the payment has not been processed at XXXX Comenity Bank. I called today and they said it may be processed tomorrow, which will be two weeks since the payment was made or it could take up to 5 business days after tomorrow. I know they received that money on XX/XX/XXXX and they know they received that money on XX/XX/XXXX, so to act as if they did not receive it is an insult to me and every other customer they are doing this too. Now, all of my credit reports show I have two credit cards with over XXXX  balances, that is wrong. Is this practice legal? I know it is not ethical.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

I am a customer of TIAA BANK who moved the loan servicing to XXXX. # XXXX My contract allows the subordination of the loan. However, TIAA as well as XXXX XXXX are refusing to reveal the condition for subordinations. It has been over 4 weeks. I have suffered financial harm as loan rates have changed in the meantime, and I had to pay for home appraisal. 

XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

In XXXX of XXXX  I recieved mail from Mohela saying I hit 122 payments which qualified me for PSLF. I was told by Mohela that within 90 business days my loans should be discharged. That 90 day mark ( plus quite a bit ) has come and gone and no movement on my account. Mohela says " keep waiting ''. STudentaid.gov says " Keep waiting ''. At this point it is a breach of contract. It is now seven months pass from when I hit the required mark for forgiveness and these loans are still XXXXXXXX XXXX XXXX XXXX like a XXXX, ready to XXXX  XXXX. No one will do anything to move them. Please help.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

RECENTLY, I LOOKEXXXX 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 FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.
Consumer complaint received 2016-12-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I put my house up for sale. I received an offer and I excepted that offer. The buyer had numerous issues with their lender ( required paperwork and inspections that they were not aware of ) This caused numerous delays and postponement of the final closing. I notified my lender ( NATIONSTAR ) of these delays, I assured them that the property was in contract and would be sold. The Nationstar Reps. repeatedly assured me that there was no problem and that everything was OK. It was always very difficult to talk to a live person at Nationstar and when I was able to talk to someone it was always a person with a very heavy accent that did not seem to understand English very well. So to protect myself I wrote a letter to to Nationstar explaining the situation on two different occasions. 
We were finally ready to close on the property and requested the Payoff from Nationstar. 
Nationstar sent us a statement with the payoff amount. We closed and the house was officially SOLD. 
Six days later Nationstar sent another payoff statement. This statement is {$2400.00} more. 
Nationstar said the additional charge is for " Legal Fees '' because they had started the foreclosure process!
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from XXXX about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. XXXX forgot to update this information. Please remove this from my credit history. XXXX needs to update the payment in all major credit bureaus.Thank you.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
XXXX XXXX Date Opened : XX/XX/2006 Balance : {$0.00}.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargos credit card department on Saturday, XX/XX/2024, on or around XXXX XXXX XXXX. I spoke to an agent named XXXX in the XXXX. He provided false and misleading statements saying my Wells Fargo credit card was reported 30 days past due, 60 days past due, and 90 days past due, and that is also how it would reflect on my credit report. 

This is false. The fact is I have never been 30 days past due on my Wells Fargo credit card account. 

XXXX refused to provide his employee ID number and the name of his supervisor. 

I seek to hold XXXX and Wells Fargo accountable for providing false and misleading statements.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Contact : ( XXXX ) XXXX Account Number : XXXX Reference Number : XXXX Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX they sold this debt once it was reported as a fraudulent account to XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by your agency as of XX/XX/XXXX. According to the record, this account was assigned to your agency with out my permission by the previous company which is a violation of my consumer rights. 

The reported balance is {$340.00} and the original amount of XXXX. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. I can not believe XXXX XXXX XXXX XXXX would do something like this that is not only overwhelming but criminal. I will be taking legal action to rectify this matter. 

Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : 1. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase.

3. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor. 
4. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

I was always charged a fee and also my account was fraudulent used as well had never gotten a loan do to credit, had several problems with account and had to switch banks, because someone was fraudulent taking money in and out of my account with out my concent, I had to pay all money out of my pocket
Consumer complaint received 2018-04-12
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: Commonwealth Financial Systems, Inc. (MD)

Good Day, we revisit this same Bill that does not belong to me, or my husband, here is the timeline of events and all the backup information as I disputed it with CFPB last year on this website and it was prove not to be my bill, so it was deleted. 

-XX/XX/XXXX A bill from XXXX XXXX XXXX ( XXXX XXXX  Hospital ) for {$600.00}, was placed on my wifes credit report and my husbands credit report we live at the same address -We both called XXXX  XXXX XXXX and told them it was not our bill, and can they please show us proof that it is ... The Lady that answered the phone was nasty and mean to us, they said they would, but we never received it ( enclosed is the screenshot of the letter we sent by priority mall, plus we called them ) -I disputed it for me, and my husband, and it came off ( mine, the wife 's but not my husband 's. see screenshots of my old XX/XX/XXXX credit report and my husbands Credit Report ) _ Thats when we contacted your company in XX/XX/XXXX CASE NUMBER XXXX ... .. and you did a great job and had it removed off my husband 's credit reports. Now life was the same back to normal, we rung in

the New Year ... LOL ... UNTIL!!!
_XX/XX/XXXX I, THE WIFE ..., received a letter from a NEW DEBT COLLECTOR ( COMMONWEALTH FINANCIAL, XX/XX/XXXX, XX/XX/XXXX , PA ) SO I Called them and explained the
whole situation, that this is an error bill, they tried to ask me for my info, like birthdate etc.. The Lady was very Rude to me, I told her to please send me proof, and she assured me she had it, ( I know she did not because ITS NOT MY BILL OR MY HUSBANDS : ) ) so we checked the mail everyday FOR a response, 3 days later this bill is blasted across all my credit reports, just mine again THE WIFE 'S ... screenshots provided. but they changed the dates looks like one report shows XX/XX/XXXX, but they updated it on another to XX/XX/XXXX, i dont know what that means, but all of this is fraud. PLEASE HELP US!!
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Sometime in XXXX XXXX my Bank of America debit card was compromised and used to make a fraudulent transaction. I contacted BofA right away and they closed and blocked the debit card and issued a new card no problem there. Problem had have several accounts tired to that debit card that are billed each month automatically. One of those accounts being with the company XXXX XXXX. I no longer wanted that account so when I was notifying companies and up dating my new debit card information I intentionally DID NOT update the debit card information with XXXX XXXX so they could not charge my account. XXXX XXXX tried to  charge my monthly fee to the old BofA debit they had on file on XX/XX/XXXX and again on XX/XX/XXXX with no luck. Then on XX/XX/XXXXthey were able to make the charge to my new debit card some how. I contacted BofA and they stopped the transaction and reversed the charge. On XX/XX/XXXX I talked with a representative of BofA and explained to them what happened and asked how could that happen. I was informed that after making several attempts to charge my account with no luck all XXXX XXXX has to do is contact BofA and proof to them that they had been charging old debit card account in the past and were unable to now that BofA would give XXXX XXXX the new debit card information. What I want to know is is this legal and right for BofA to give out this information. I know you ca n't give legal advise but can you at least give me an answer to this. If I had wanted XXXX XXXX to have that information I would have given it to them myself.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I filled a complaint against Citizens Bank for using false/fraudulent practices when getting to me sign up for a credit card. I filled a complaint using this system. Before I filled a complaint, I closed the credit card due to that company not fulfilling the promises they gave me. 
The resolution that I got from the office of the chairman was that they could not fulfill the promise that their agent gave me and instead reopened the credit card WITHOUT MY CONSENT. 
This company has done damage to my credit twice now. 
Their office did not ask if I would like that credit card, I did not sign anything agreeing to it and they did not give me the terms and conditions for the credit card.