davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On approx. XX/XX/21, I noticed I had sent two separate {$1500.00} ( {$5000.00} total ) transactions to the wrong recipient on XXXX one was sent on XX/XX/21 ( posted XX/XX/21 ) and the other on XX/XX/21 ( posted XX/XX/21 ) I immediately contacted my bank ( XXXX XXXX  ) the following business day ( XX/XX/21 ) and they informed me that I could file a dispute on the first transaction ( {$1500.00} ) but not on the second because it was still showing as pending and seeing as I had changed the phone number to the correct number they hoped, we all hoped it would end up being sent to the valid phone number it was not. I contacted the bank again to file a dispute I was told a second one was filed ; however, I am not sure it ever was because I never saw a copy of the dispute. Upon filing the dispute, I was told it could take 15-45 days to get a response I periodically checked back with XXXX to see if my dispute had been resolved XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. On XX/XX/21, I was told that it had been 31 days, and it can take up to 42 days before we get a resolution. Starting on XX/XX/21, I contacted XXXX XXXX. On XX/XX/21, I was returned {$1500.00} of the {$5000.00} from Bank of America. On XX/XX/21, I requested XXXX to appeal for a dispute to recoup the remaining {$1500.00}. On XX/XX/21, I was told my appeal had been submitted, and it would take an additional 42-25 days. On XX/XX/21, I checked with XXXX, and there was no update on the request. On XX/XX/21, I checked again with XXXX and never heard back On XX/XX/21, I contacted XXXX again and was told, We opened a second service request for her for the second dispute, but it was denied by the receiving financial institution. ( Bank Of America ) The first XXXX we were able to get returned as a courtesy from them, but the second one is out of our hands, unfortunately. The customer can contact XXXX directly by going to their website and clicking through the Contact Us tab at the bottom of the page or perhaps try through Bank Of America, but Im not sure how much help they would be at this point. On XX/XX/21 I contacted XXXX to try to get some help from them and was told I needed to go to my financial institution. I contacted Bank of America on XX/XX/21 and was told there was nothing they could do for me even though one of their customers ( based on email traffic ) is the person who accepted the money that was sent. Just for reference, my husbands phone number I was trying to send it to ends in XXXX, and I sent it to a WRONG number ending in XXXX. The transaction ID for the XXXX payment that was NOT refunded/returned is XXXX. Also, the Bank of America customer 's account # ended in XXXX ( this is the WRONG account ) and I have no idea the individual who is on this account. 
The money should have gone to my husband XXXX XXXX but he has not received it.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/2019 I filed a complaint regarding information provided to my credit card XXXX by Equifax that caused XXXX to reduce my credit limit ( XXXX-XXXX ). As of this date I have not received any response from Equifax providing me with the same information they provided to XXXX or whether or not Equifax corrected my Credit Report. 
On XX/XX/2019 I sent correspondence to XXXX  XXXX  at their " dispute '' office in South Dakota requesting the information received from Equifax that prompted them to reduce my credit limit. As of this date I have not received any response from XXXX or their Dispute Office.
Consumer complaint received 2021-09-30
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. (FL)

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to Jovia on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, Equifax and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 
Please see the attached letter of the certified tracking numbers for letters that was sent out
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Since I travel a lot my bills including the mortgage payment to DiTech are on an automatic payment plan through the XXXX XXXX XXXX. As. A result I have never missed a mortgage payment. DiTech sold my loan to XXXX XXXX. Before I changed the payee to XXXX XXXX the XXXX payment was made to Ditect. Loan care has never received that payment and now consider that loan payment past due. 
I have contacted DiTech 4 times about this situation and XXXX XXXX three times. Both companies have been provided copies of bank statement showing there has been no missed payments. 
XXXX XXXX has told me They have no way to resolve this issue and I must deal only with DiTech. 
DiTech first told me to send the information to their customer service email address which I did. When I did not get a response I called back and the next representative said that email address is has not been checked in over a year and I would be sent a link to send the information to. That link never arrived. I called back again. This time I was given an address to send the information to. My certified letter got a response that I would have a Written response within 30 days. Their response was they are still looking into it. As I am writing this I have waited 31 minutes for a supervisor. I again was directed to customer service. 
Loan care has given me until XXXX for full payment. After that date the account will be considered delinquent charging me interest and affecting my credit. I have notes and documents on every attempt I have made to correct this situation
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I AM LOOKING AT MY CREDIT REPORT AND ON EXPERIAN AND XXXX THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I AM LOOKING AT MY CREDIT REPORT AND ON XXXX AND TRANSUNION THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~
Consumer complaint received 2021-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I would like to complain about a hostile employee while I was trying to make my payment to Carrington today on XX/XX/2021. I was paying the XX/XX/2021 payment but the rude female employee saying it would be applied to XX/XX/2021 when it's already paid. She was getting me upset talking over me it was because. She was very irate and hostile. She was trying to get me to pay payments that were added under my bankruptcy back on XX/XX/2021. I don't appreciate how this employee talked to me like I was some kid. She was rude and hung up on me and was falsely accusing me of yelling at her. I don't know her name but Carrington can listen to the phone call and find out which employee it was who was being unreasonable toward me. The carrington employees have already harassed me they know these payments were applied under my bankruptcy. The female employee caused all the problems today I was not yelling at her but I did yell when she kept rudely interrupting me.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2021-09-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: DIME COMMUNITY BANCSHARES, INC. (NY)

In XX/XX/XXXX due to Covid19 I was forced to go into a XXXX XXXX forbearance agreement with Dime Community bank holding the mortgage. I was out of the country at the time and was forced to sign under duress. Recently it has come to my attention that the Forbearance agreement is missing term start date finish date and amount to be paid. And that's why I don't know how much to pay and the finish date of the forbearance. ( See attachments ) Even in the banks letter responding to a complaint I filed against them. The Bank does give dates because they are missing information they says its a 12 month agreement where is the start date. 

Since the bank has merged with another entity I have not been getting my mortgage statements with amount due or when I did they were 2-3 weeks late. Case and point I have not gotten a statement for XX/XX/XXXX and the mortgage is due tomorrow XXXX XXXX!!!!!. I have emailed and called several loan officers at Dime informing them until they send me the statements I would stop paying the mortgage. They claim that the statements were sent but they were not! They could have emailed them! Ironically the threatening notices seem to make it to my mail box but not the statements! A check bounced and I stopped paying my mortgage as was promised. I finally got a hold a loan officer Ms XXXX XXXX at the Dime Community Bank that seemed reasonable we had a phone conversation agreement that I would make 2 payments in XX/XX/XXXX -Which I did and 2 payments in XXXX which I will make which will catch me up. 

THE DISPUTE is how much I owe on the forbearance agreement and since Dime Community Bank refuses to send the forbearance agreement accounting I don't know what the payment is. This is a simple matter which they Dime Community Bank refuse to resolve. 

The bank continues to stone wall by not supplying me with the statements
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (FL)

I ended my lease in XXXX and purchased the vehicle from GM through XXXX XXXX XXXX. I was mailed a refund on XX/XX/XXXX, in the amount {$1.00}, XXXX and few weeks later another check in the same amount was mailed to me. I cashed those checks at my bank and later found out that a stop payment had been placed on them. This caused my accounts to be debited {$35.00}, and GM has refused to return my fees. I have submitted a letter from the Credit Union with the check attached, an explanation of the fees debited and they refused because I will not provide my account number to them.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been placed in collections on XX/XX/2018 by Midland Funding LLC  for the balance $ XXXX. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.This is not a request for "verification" or proof of my mailing address, but  request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 {b} that your claim is disputed and validation is requested.I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:- What the money you say I owe you is for?- Explain and show me how you calculated what you say I owe:- Provide me with copies of any papers that show I agreed to pay what you say I owe:- Provide a verification or copy of any judgement if applicable.- Identify the original creditor.- Prove the Statute of Limitations has not expired on this account.- Show me that you are licensed to collect in my state.- Provide me with your license numbers and Registered Agent of Service.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (XXXX, XXXX, or XXXX) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.I would also like to request, in writing, that no telephone contact (including computer generated calls and calls or correspondence sent to or with any third parties) be made by your company to my home phone, cell phone or my place of employment.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXX-Date Opened XXXX XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,122-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX 6,224-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 11,264-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,689-Date Opened : XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX BAN-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (NY)

on my credit report saying this was just open and that is not true. 
this was open in XX/XX/XXXX and was closed XX/XX/XXXX this company has changed the dates on this account and was also going by another name go by XXXX XXXX XXXX on credit report also for the same amount same bill number XXXX
Consumer complaint received 2023-07-23
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: Bread Financial Holdings, Inc. (GA)

Someone tried to get jewelry Im assuming because I have an inquiry from comenity bank/XXXX  claiming I applied for jewelry and I didnt. They also have inquiries for bank cards that I never applied for.
Consumer complaint received 2022-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Tuesday XX/XX/XXXX Navient called me 7 times between the hours of XXXX and XXXX. I told them once to please stop calling me while I am at work and that I will be making a payment on Friday. I am usually very good on payments but I was out sick for a week and my employer forgot to add my sick time pay so my check was shorted until tomorrow XX/XX/22 when I get that money added to my new paycheck. I was called multiple more times after asking them not to. Lady would not listen to me told me there was no note about prior phone calls or me asking them to refrain for the day. I got angry and had to hang up as she was insistent on taking my focus from work. I work in XXXX XXXX and can not be getting calls 7x in one shift! I have to keep my phone on me, and patients, staff, and others do not need to hear BUZZ BUZZ BUZZ during meetings or need me to excuse myself. 

" According to the FDCPA, a debt collector can not call a debtor more than once per day for each debt. This means that if you only have one outstanding debt, then your debt collector is only allowed to call you one time per day. '' This was clearly violated, and this is not the first time this has happened either.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

My loan that was originally with XXXX XXXX was under {$1200.00}, when Wells fargo took over it, it went up to {$1300.00}. I called Wells Fargo many times and they would say it's because of taxes or escrow. I eventually tried to do a modification in order to offset the increase in payment, but had to take advantage of the pandemic payment pause instead. I can only guess that Wells Fargo took over the processing about XXXX, before house was sold.
Consumer complaint received 2022-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

Our issue is with Discover Student Loans. My son recently graduated from XXXX XXXX XXXX XXXX He has 8 private loans with Discover with a variety of interest rates from 6.8 % to as high as 9.8 %. We were told when we started that at the end all deferred loans would be able to be consolidated under one loan and one low interest rate. After 1 employer only he has two jobs not taken into consideration the fact we were told my son had to apply for a consolidation on his own without a cosigner. He was immediately declined reason unknown. The application asked for name address phone number employer SS #. Submit declined we have $ XXXX to put done that was not considered his XXXX  credit rating is XXXX not taken into consideration. We have contacted them several times with our financial advisor on the phone with us all calls were recorded. Each time we got a different story. Per my financial advisor he states they are being discriminatory. They have no under writer. They will, however, take my money and reconsider after the fact. The said until such time my son qualifies as a primary again with no consigner, they will not consolidate the loan and we have to pay the face value of multiple loans at a higher interest rate no exceptions.
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: John C. Heath, Attorney at Law, PLLC (NY)

On XXXX XXXX, I XXXX XXXX received a notification from XXXX XXXX  that a new collection is showing on my credit report A negative account with XXXX XXXX XXXX A collection was added to my credit report, which is damaging my credit On XXXX XXXX I contacted XXXX to get more information on this report. I was informed it was from XXXX  from XXXX  XXXX bank for a total of {$430.00}. At approximately XXXX I called XXXX XXXX XXXX explaining the information I saw on XXXX. The representative I spoke with attempted to locate my information by the following : Name, DOB, Social security and my Address and she was not able to find any information based on what Ive given her. She than spoke to her supervisor and she was also unable to locate my information. 
On XXXX XXXX at approximately XXXXhrs I contacted the debt collector once again and they do not find me in the system once again.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TN)

I only have documents that support transactions from XXXX XXXX through XXXX XXXX Deposits XXXX Electronic withdrawls XXXX other withdrawals XXXX But this account was opened up XXXX of XXXX