davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

First of all, we had a loan with another company that sold the loan to LoanCare. 
They did that on XX/XX/XXXX. They tell me after requesting them to relinquish the escrow that with LoanCare loan # XXXX, you have to have your loan with them for 2 years before they could do that. I think that is their own rules. 
We have paid for many homes over 29 years of marriage and we have paid our own taxes and insurance on all but of our very first home when we were not as well off as we are now. 
The reason I wanted them to stop the escrow account is that they were late paying our taxes and we are never late on payment anywhere and we do everything to keep our credit score over 800. 
I don't need a Loan servicer messing that up. 
Anyway, I called 2 times this year and both calls were ignored, no call backs, no letters, no explanation and both of those times were put on extended holds. 
Today, XX/XX/XXXX I called again and was put on hold to talk to a " manager '', waited for 30 minutes. Well now they tell me that they can't just relinquish their requirements to pay out the taxes and insurance. Also, this has to be investigated and researched and I must call back on the 16th for an answer, and they will not call me back about this. Of which, I will have to go through the same 30 minute wait time. 
I am tired of their " very poor service and runaround. '' What can I do? I don't have written documents, they were sent in on their email contact which I don't get a copy of. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc (PA)

XX/XX/2019- unknown debt collector called my phone asking for my name and when I said yes ... they hung up and slapped a {$2500.00} onto my credit report. I sent a dispute letter to the credit bure

aus asking to please investigate and verify this account. for2 months I was receiving debt collectors calls after changing my phone number and blocking spam calls. I still was receiving calls so I upgraded my phone service to blocked any unknown or likely spam calls so that I wo
uldn't receive them at all.

, XX/XX/19- I received a letter saying that I owe the amount and they offered to be discount 25 % percentage to pay debt off, XX/XX/19I received my credit report saying that the debt was deleted because it could not be verified according to the FCRA. but then I saw it was reported to the other 2 credit bureaus XXXX  and XXXX.

, XX/XX/19, I received a flyer saying make full payment of 90 % off on your debt just login to the link below.

XX/XX/19 credit report got hit again with debt in the amount of {$2500.00}, I sent another certified letter to the creditor to please send me proof of my signature and how I owe the debt they claim is mine. and that I will involve my attorney for their illegal practices.

, XX/XX/19- the amount is {$2500.00} They sent a response letter saying that if the debt is not resolved, it may be reported to one or more credit bureaus and that it could adversely affect your credit.

As on XX/XX/2019 I sent another letter for them to send accurate proof of my consent/ signature of so-called owed debt, Haven't received a response yet. 

The Creditor is Hunter Warfield and the original creditor is XXXX XXXX XXXX XXXX which I was never notified by the original creditor of any debt and why I was being billed.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

Today, on XX/XX/2020 I called USAA bank to remove consent from overdraft protection per Regulation E so that instead of incurring overdraft charges, they would The representative on the phone told me that it is USAAs policy that they will not remove overdraft protection from a checking account.

This is a violation of regulation E.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both XXXX and XXXX are showing the above account number however, Equifax has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX, I noticed significant drops in my XXXX XXXX ( XXXX TransUnion, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX  to XXXX XXXX without my explicit consent. The account transfer resulted in autopay settings being reset, and XXXX subscription charges ( XXXX and XXXX ) went unpaid. I contacted XXXX XXXX on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to XXXX XXXX XXXX credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. XXXX XXXX responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge XXXX XXXX to review all reported payment delinquencies during the transfer of accounts from XXXX XXXX  XXXX XXXX XXXX. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 2019-12-09
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. (GA)

Equifax and XXXX are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX XXXX XXXX there was check written from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX in the amout of {$68.00} from my checking account from XXXX  XXXX XXXX XXXX on Wells Fargo check without my authorization. I been working with Wells Fargo because of the check was used from Wells Fargo, and I mail all the information to Wells Fargo. Wells Fargo informed me that I do not need to contact XXXX XXXXXXXX XXXX. We will take care of it. 

I send in Information to Claim representative was XXXX claim representative in executive office. : '' 1. Copy of the check. XXXX. XXXX  XXXX XXXX statement. XXXX. Copy of the statement that there were account created from Wells Fargo and printed from my Checking account from Wells Fargo. Names on the account were XXXX XXXX and XXXX XXXX. The account number was XXXX Wells Fargo paid to my x husband court case in the amount {$4700.00}. I informed the Wells Fargo that my X husband has account with Wells Fargo. They ignored the information that I provided and paid his court case in full from my account. I divorced my x husband in XX/XX/XXXX and I didn't know about the case. 

I just found out that they stoped investigation on Wells Fargo case ID XXXX was provided by XXXX XXXX. her email was XXXX XXXX
Consumer complaint received 2022-04-21
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)

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 2019-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

To Whom It May Concern, I received a bill from Convergent Outsourcing Inc dated XX/XX/XXXX stating a balance owed of {$210.00} with a reduced balance amount of {$100.00}. The bill was sent to an old address of mine and thus I didn't receive it till this week. 

The account number does not match my XXXX account number which I haven't used since XX/XX/XXXX. That transaction was for {$190.00} and was paid in full. I have a {$0.00} balance on my account. 

I've done some research and found others that have had a similar problem with this company. This balance is not mine so this is either a mistake, a scam or some form of identity theft.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SD)

On my report I saw an account of over {$700.00} dollars and I did not authorize! It doesnt even have my name on it anywhere! The address on it isnt even mine?!! Still all XXXX does is update it! I want it removed, it is not my account but XXXX wont listen! It has financially XXXX me from going to college because of higher interest rates! My score was above XXXX when they added this account and whoever owns it didnt pay so now I have no payments! Wrong!!!!
Consumer complaint received 2019-12-09
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)

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of {$7700.00} Account Number XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXXXXXX 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 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 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 2023-07-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint against TrueAccord Corp, a debt collector, for their violation of debt collection practices and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I received communication from TrueAccord in response to my dispute and request for debt validation regarding an account with XXXX, XXXX. Despite their initial acknowledgment of my dispute and their commitment to pause all collection activities until they provide the requested validation documentation, TrueAccord has continued their collection efforts. 

This action is in direct violation of the FDCPA, which clearly states that a debt collector must cease all collection activities once a consumer disputes a debt or requests validation. TrueAccords disregard for this legal obligation is concerning and has caused significant distress and anxiety. 

I have diligently exercised my rights as a consumer by requesting debt validation to ensure the accuracy and legitimacy of the debt in question. However, TrueAccords failure to comply with the law has led to continued harassment through collection attempts, creating an undue burden on me. 

I am fully aware of my rights under the FDCPA and other relevant consumer protection laws, and I expect TrueAccord to adhere to these laws throughout the debt collection process.

In light of the above, I kindly request the CFPBs assistance in investigating this matter and taking appropriate actions against TrueAccord for their non-compliance with the FDCPA. I also request guidance on how to resolve this dispute lawfully and fairly. 

Enclosed with this complaint are copies of the relevant communication, including my initial debt validation request and TrueAccords response. 

I sincerely appreciate the CFPBs commitment to consumer protection and seek a prompt resolution to this complaint. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

Since XX/XX/XXXX, my mortgage lender, aimloan.com, has been requiring monthly contributions to my tax escrow account that are almost twice as large as necessary. When my mortgage payments started in XX/XX/XXXX, they were collecting $XXXX   per month, which was more than sufficient to pay my property taxes for the XX/XX/XXXX tax year. After paying the first installment in XX/XX/XXXX, there was a balance of $XXXX in the accout. After paying the XX/XX/XXXX installment, there was $XXXX left in the account.

In XX/XX/XXXX, aimloan.com more than doubled my required contribution to the tax escrow account even though annual tax increases on my property are limited to about 1% (due to California Proposition 13). I pointed this out to them at the time, but since I did not have the bill for new tax year, I was ignored.

Now I have received the new tax bill and aimloan.com has made the November tax payment leaving a balance of $XXXX in the escrow account, which is $XXXX more than is necessary to make the XX/XX/XXXX tax payment. This overage is more than 1/6 of my total tax bill ($XXXX) which I believe is the maximum amount allowed by RESPA. Yet aimloan.com has refused to return the excess or lower my required monthly escrow payment.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2022-10-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-08
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: Spring Oaks Capital, LLC (CT)

I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (FL)

UNIFI is trying to collect a debt from another debt collection agency that is past the statute of limitations. XXXX XXXX  is claiming i owe a debt to them, i am unaware of what this is. XXXX XXXX  yet to provide verifying information to attach me to this debt. This debt is also past the statute of limitations.
Consumer complaint received 2023-07-20
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: Complete Credit Solutions, Inc. (PA)

Hello, I have been disputing this from my credit reports for years!! The XXXX  account was opened fraudulently. I have shared my FTC. report with this company numerous of times, stating that my identity was stolen and they will not delete it off my credit report. I also asked them for a wet signature with my name and all the could show me was a computer generated signature! This is hindering me from getting safe and stable housing. I have been disputing this for years, it has cost me jobs and find a home due to this matter. I have sent supporting documents to show that the account was open fraudulently. Im also in the process of taking legal action.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current (FL)

On Current Bank. All I did was Turn my Credit Build Card Autopay feature Off and On due to an Alert that I turned it off. Then on yesterday XX/XX/2023 out of nowhere XXXX XXXX XXXXCurrent closes my account and told me in an email my account was closed 2 days priar to the Closing XX/XX/2023. I ask them why it was closed and they refused to help me by telling me. Apon review we decided to Close your account. We cant tell you why the account was closed and Hung up on me. I did nothing suspicious with the checking account.