davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MS)

I have experienced multiple errors with my escrow account since the mortgage was sold to Mr Cooper. 

Problem 1 : Mr Cooper paid the incorrect hazard insurance company despite the fact that I informed them that my insurance was changing in advance of Mr Cooper issuing the payment. My notice to Mr Cooper occurred on XX/XX/22, and they confirmed receiving my notice on the same day. Mr Cooper 's payment to the incorrect company occurred on XX/XX/22. The error resulted in {$3500.00} being paid from my escrow account in error, resulting in a negative balance in that account. After this error occurred, Mr Cooper refused to assist in recovering the money from the incorrect company. I spent several weeks, and dozens of hours of my time to correct Mr Coopers error, which to date they have still failed to acknowledge as their error. 

Problem 2 : Because of the mismanagement outlined in Problem 1 I requested to cancel my escrow account with Mr Cooper. Mr Cooper provided a written letter dated XX/XX/22 stating that they could not cancel me escrow account due to my loan to value ( XXXX ) was less than 80 %, which they defined as the current balance divided by the original loan amount. Since receiving this notice I have taken significant efforts, including selling other assets to bring my XXXX ratio below 80 % using the definition provided in the XX/XX/22 letter. On XX/XX/22 I contacted Mr Cooper via telephone after successfully bringing my XXXX below 80 %. The agent I spoke with stated that XXXX could not be deterred based on the original loan amount and that I must pay Mr Cooper to perform an appraisal to determine my XXXX. This directly contradicts the written letter from XX/XX/22 and reeks of greedy, fraudulent, money grabbing behavior.
Consumer complaint received 2022-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Thank you for the opportunity to address the violation to the XXXX XXXXXXXX XXXX XXXX The term, dual-tracking refers to the situation where a mortgage servicer brings a foreclosure action on a home mortgage while a borrowers application for modification of the mortgage is pending. Since the adoption of the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX prohibits dual-tracking. 

We have been very active to contact XXXX and send it all the paper work and documents request. 

The XXXX XXXX was approved. We fill all the documents and send it via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to Final Modification Documents XXXX, Wells Fargo Home Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

Still a few days from XXXX they send our only home, ( primary residence ) to foreclosure when we are waiting for the XXXX XXXX. 

Thank you and XXXX XXXX.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX  acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX last four XXXX. I have been dealing with a negative debt that is unknown to me. {$18000.00} XXXX  XXXX  I contacted the furnished, they were not able to furnish any contracts or agreement. I did not acknowledge the debt, in fact I denied it. I went to the police filed a report, the etc said file a affidavit of I'd theft I did that, I also sent license social security card a bill and all they asked for. They still did not delete this. As if they know something I don't, I'm the one that can tell them my symptoms sort of speak. I'm the one hurting, I am extremely disappointed. I would like this to be known for the record. Experian is OBSTRUCTING MY RIGHTS, I FEEL LIKE I'M BEING TREATED UNFAIRLY. They collect data and per the FCRA it has to be 100 % verifiable. They can not show me what proof the furnisher showed them to prove the debt and thats LAW. I'm entitled to see evidence against me that is meaning to hinder me in any way. I am attaching evidence of a letter that was sent to me by experian indicating that they took it off my report and that was a bold face lie. Experian told cfpb also that all they needed was my license and social and they would delete it. Another lie. I will attach letter that indicated that this was over with from. XXXX XXXX senior regulatory affairs associate experian consumer affairs ( XXXX XXXX XXXX XXXX on XX/XX/2019. They did not send me any evidence or any deletion letter or validation. They send the customer something and lie to the bureaus or departments that takes the complaint. Usually people will get tired and give up, that's what they bet on. It's better for them, if people have bad credits. They make more money off of the poor and needy. I will not let up until the truth is done. Justice is done, experian has done everything to violate, they don't show die process like they should, they put stuff in credit report without verification. Please delete the public records, when I contacted the courts, they sent me a letter indicating me that. They do not, I repeat. Do Not! Furnish information on customers to credit bureaus because it's illegal. I WONDER where they are getting their information from. XXXX and XXXX  has deleted this as fraud but although I have all my paperwork experian continues to break the same law they try to enforce. An unjust law is no law at all. I can not get a decent place to stay because of this stigma of a bill on me. File reference XXXX
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX and XXXX XXXX.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I financed a XXXX XXXX XXXX from XXXX XXXX XXXX through XXXX XXXX on XX/XX/XXXX. On XXXX ( XX/XX/XXXX ) I received a text message from XXXX XXXXl stating Effective XX/XX/XXXX the servicing of your account will be transferred form XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Westlake Portfolio Management. Please contact Westlake Portfolio Management at ( XXXX ) XXXX to make you payment or to discuss all matters related to your account. 

I have two problems with this : ( 1 ) After making payment to Westlake Portfolio Management as instructed, I received another text from American Financial that customers can make payment and view account information through our new website at www.amfinancial.com. I have attempted to contact XXXX XXXX numerous times to confirm where payment should be sent, but they do not answer their phone. I am currently still unclear where payment should be made as both companies are demanding payment. ( 2 ) Since XXXX of XXXX, I have been in contact with customer service at XXXX XXXX attempting to terminate my lease early. They never provided any instruction, only that an account manager would get back to me. I called nearly every week for an update with the same answer. I have tried to begin the process with Westlake Portfolio Management, however they advised that they can not uphold my existing contract because we dont do that, you can voluntarily surrender the vehicle with impact to your credit report or you can continue to pay off the lease. 

I have worked very hard for years to repair my credit and do no appreciate the lack luster assistance that either of these companies have given me to resolve this issue. I would like this issue resolved so that I can move on with my life far away from both of these misleading companies.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX, XXXX, AK, XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bankruptcy XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX Docket Identifier XXXX XXXX XXXX XXXX XXXX XXXX, AK, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (WA)

Received a call from XXXX XXXX with Convergent Outsourcing who stated that she was calling to collect a final amount related to my XXXX bill that service had ended on. 
I told her that I didn't understand because I have current service. 

She verified the service address. 

Again I told her I didnt understand. She gave me an amount of {$680.00} that was due, and an account number # XXXX, and told me to call to speak to a live agent at XXXX to resolve the issue. 
She also provided a call back number of XXXX. 

I called XXXX who confirmed that I do not have an outstanding balance. This was an old account number I had at XXXX and the XXXX  rep at XXXX again confirmed that there is no outstanding balance on that account number.
Consumer complaint received 2023-05-24
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. (OH)

Have no knowledge of this account, XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2021-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

I C System at XXXX XXXX  XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices about {$640.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-02-20
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: Westlake Services, LLC (GA)

Westlake Portfolio Management sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile Westlake Portfolio Management can not Validate the debt at this time according to Westlake Portfolio Management. A Cease and desist was placed on the account. Westlake Portfolio Management are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, Westlake Portfolio Management can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by Westlake Portfolio Management, no remarks or inaccurate reports should be placed on my credit report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

They are reporting late payment I. XXXX when balance was taking cared of and they stated over phone they would send me documents so I can send and update credit bureau and they send me 3 different types of documents they dont update the credit bureau with correct information and send me 3 different types of document it showes I was never late nor had a balance but they they report negatively. I asked that they update and remove the late payment that is affecting my score when I have requested so and they said they would and they do the contrary.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Misuse of my name, address, phone number, and social security number along with the Dark Web inquiries and unfurnished permissions has led to me receiving calls and letters regarding accounts and people or companies that I do not have knowledge of. Some of these unverified claims and misused information have been added to my credit reports with three major reporting bureaus ( Equifax, XXXX, XXXX ). This also has caused me to have high interest rates and other irrational issues used against me. Several of these items have been disputed with credit reporting agencies and have yet to be properly investigated or removed. The misinformation is having an adverse reaction on my livelihood.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NY)

I did not try to open an account with XXXX XXXX XXXX XXXX XXXX in XXXX. I had XXXX years ago. My identity was stolen in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion as of the date XX/XX/XXXX requested that I pay them XXXX to receive a copy of my credit report. While I am trying to gain access to my credit report online, I don't have access to my credit report at all. Transunion is refusing to update my credit report to match my XXXX report which is the only accurate report I have. 

This is a complete violation of the CARES Act to make me pay for my credit report and the CARES Act allows me to receive my credit report for free every 7 business days. Also, it is the responsibility of the Agency to make sure that the credit reports are updated and accurate every 45 days. My credit report has not been updated and accurate since XX/XX/XXXX. This is a complete violation of FCRA! 


I HAVE SENT MULTIPLE LETTERS TO TRANSUNION WITH MY ADDRESS, SOCIAL SECURITY NUMBER AND MY DRIVER 'S LICENSE. USE THAT INFORMATION TO VERIFY MY IDENTITY.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About a week ago, I visited my online Bank of America ( further referenced as " BofA '' ) XXXX XXXX  site to change my Pay From bank accounts registered on that site that are used for making payments to my BofA credit cards ( I have four credit cards with BofA : ending in XXXX, in XXXX, in XXXX, and in XXXX. ) During the visit, I deleted several of my older bank accounts already registered on that site in the past ( some of which were still shown as " Unverified '' ) that I no longer use, and added a new one, which went into " Unverified '' status. I tried to add yet another account, but ran into an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' Thinking that maximum is one, and realizign the account I had added is not the one I actually want to use, I deleted the " Unverified '' account I just added, and tried adding another one again, only to receive the same error message, " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' I've contacted Bank of America for help with this issue several times by phone, yet BofA was not able to resolve the issue for me. As it stands today, XX/XX/2023, I have a BofA XXXX XXXX profile with only one verified bank account and no unverified bank accounts listed, and can not register any other or new bank accounts due to receiving an error message " Verify one of your accounts before adding another. You currently have the maximum number of unverified accounts allowed by Bank of America. '' But there are none, and I don't have any to " verify ''! Please help resolve this issue ; otherwise, I'm not able to make BofA XXXX XXXX online payments from my desired bank accounts to my BofA credit cards due to this technical issue on BofA online XXXXXXXX XXXX site!
Consumer complaint received 2023-03-01
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: CITIZENS FINANCIAL GROUP, INC. (NY)

ON XX/XX/2023 The company responded to me Adding that they will not honor my request The credit bureaus stated that account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX But how is that possible when " date open '' are inaccurate and " last reported dates '' are inaccurate and " last active dates '' are incorrect as well.THIS IS GROUND FOR REMOVAL.They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My behalf as well
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

My checking account with Wells Fargo for the last XXXX years have been questionable about many different I was charged fees for multiple reason and I feel it was during the time the lawsuit states. Could you please investigate my account and see if they owe me any money?