davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX, we were informed by the contractor on our new home build that due to structural engineering issues, we would owe an additional {$9200.00} for footing excavation. I asked our lender at Regions the same day if it was possible to pay down the principal on the loan prior to conversion, as I assumed we would then be able to offset the additional cost. 

On Tuesday, XX/XX/XXXX, I attempted to pay the {$9200.00} through a local branch as instructed by the lender. They could not figure out how to pay it principal only, and instead approximately {$1900.00} went to an interest payment that was not yet due, and the rest went to principal. As the local branch instructed, I contacted the mortgage department to get it straightened out. That took ten days, during which they did not answer the phone and sometimes took more than 24 hours to respond to emails with questions. When they did respond, they often answered one question and ignored the others, even when presented in a numbered list. 

Time was important here as we were 91 % funded and thus paying 91 % of the interest for every month this dragged on. I had to reach out to someone who had previously worked on our account in order to get any answers. 

The builder submitted his final invoice on XX/XX/XXXX, which included the overage. With some savings we found elsewhere, the overage came out to {$7500.00}. I reached out to the bank on XX/XX/XXXX to ask if there was anything special we needed to do about the overages. My question was not answered. I attempted to ask multiple times and was ignored, until that team finally stopped answering entirely. 

On XX/XX/XXXX, we were notified that our account had been transferred to a new team. On XX/XX/XXXX, that new team reached out to the builder, not us, to inform him that they would not pay the {$7500.00} overage, which we had already paid {$9200.00} down to cover. I again asked about this and received a call later that day, in which I was informed for the first time that Regions does not cover overages, that we could not get our {$9200.00} back, and that there was nothing else they could do. 

We now owe an unexpected $ XXXX and are continuing to be charged interest while they shuffle us between teams and drag their feet on converting the loan.
Consumer complaint received 2023-02-10
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. (MD)

XXXX XXXX responded to a cfpb report that they didnt do the reporting therefore this should not be on my XXXX file Equifax file XXXX file XXXX file Cfpb Report number XXXX I demand the reporting to be removed and deleted and blocked immediately
Consumer complaint received 2019-09-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (IL)

Westlake Portfolio management have listed charge off on a paid debt 100 %. They never contacted me about this debt, Ive tried calling them and they never responded but enter a charge off. I need this debt verified that I owe them with my signature. They never contacted me
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquiries I didn't authorize. they should not be on credit report. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I wrote tge bankruotcy ciurt and they responded i sent this to exoerian and they investigated so they say with their third oarty source their third party source stares tgat they have not conducted with them so they say and exoerian claimed it did a reinvestigation but did not according to the third party they informed me verbally so I contacted the lexis nexus and they informed me that expwrian did not and have not contacted them and I sent cfpb already the courts information just as I did with the bureaus so experian refuse to remove it and the courts did not report this to experian at all
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the presence of an unauthorized account on my credit report and to request its immediate removal based on my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws.

Recently, I became aware of a fraudulent account listed on my credit report that I did not authorize, open, or consent to in any form. This account was the result of a scam wherein I was deceitfully manipulated into releasing personal and sensitive information under false pretenses. The perpetrators of this scam used my information to open an account in my name without my knowledge or approval, leading to a significant and unwarranted financial liability reported on my credit report. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly sections 1681i ( Procedures in case of disputed accuracy ) and 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), I have the right to dispute inaccurate or fraudulent information in my credit file and to demand an investigation into these discrepancies. 

Additionally, the FCRA grants me the right to : Request the credit reporting agencies to block reporting information related to identity theft ( 15 U.S.C. 1681c-2 ).

Have any inaccurate or fraudulent information corrected or removed from my credit report within 30 days of my dispute ( 15 U.S.C. 1681i ). 
Place a fraud alert on my credit report to prevent further identity theft or fraud ( 15 U.S.C. 1681c-1 ). 
I assert that I am a victim of fraud and identity theft, as defined by the FCRA, and I have taken the following steps in accordance with the law : Placed a fraud alert on my credit files with all major credit bureaus. 
Reported the fraud to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. 
Filed a report with my local law enforcement agency. 
Enclosed with this letter are copies of the FTC Identity Theft Report, the police report, and documentation highlighting the fraudulent account on my credit report for your review and action. 

Given the circumstances and in accordance with the FCRA, I request a thorough investigation into this matter, the removal of the fraudulent account from my credit report, and confirmation that this correction has been made. Please ensure that this account and any associated inquiries or collections are permanently deleted, reflecting the true state of my credit history without the impact of this fraudulent activity. 

I appreciate your prompt attention to this serious issue and look forward to your response confirming the resolution of my dispute within the mandated 30-day period as required by the FCRA.
Consumer complaint received 2023-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have been making qualifying payments on my student loans since XXXX. I was told the correct payment count was reflected on Mohela, but it is not reflecting the accurate payment count I have made to date. I am unable to reach them via email or phone in spite of numerous attempts.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

EDUCATIONAL XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I had a credit card with Bank of America that received fraudulent transactions in XXXX of 2023 of upwards of {$500.00}. 

I immediately reported the charges to Bank of America and canceled the credit card. The card was not stolen or lost and was on my person the entire time, which means the fraud must have occurred through online scammers/ hackers, and was not due to my negligence at all. 

The majority of the charges were from XXXX, which I do use. However, the credit card that I currently use with XXXX is NOT with bank of america. My current credit card linked with XXXX is a XXXX card. 

There is XXXX other charge from a XXXX in XXXX, which is where I live, however, I was traveling in XXXX XXXX  XXXX at the time, and I provided BoA with my flight details to prove that I was not in XXXX at the time and therefore could not have made the purchase. 

I contacted XXXX and sent them a full list of the charges that appeared on my credit card statement, and they did not find any of these charges on my XXXX  account. They said that they do not see " any record of the charges you mentioned. We still think that the best thing for you to do is reach out to your financial institution ''. I do not understand how XXXX could not even find any record of the charges, yet BoA claims they are not fraudulent. 

Bank of America has told me XXXX times now I believe that they do not see the charges as fraud, however, have only provided me with the meager information of " these charges are consistent with your spending ''. However, {$200.00} of the charges were with XXXX withdrawal, which I have never used before on my account. In addition, I do not understand how these charges could have been made with my Bank of America credit card, as ONLY my XXXX card is now connected to XXXX. I have not made any purchases with my Bank of America credit card XXXX XXXX since sometime last summer.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I financed a loan with Wellsfargo and was talked into refinancing my loan. Over the years I realized that I was almost finished paying off my mortgage, however I had to start another 30-year mortgage over. I lost lots of money by starting a 30 year mortgage loan over, by refinancing my existing mortgage loan.This deceitful tactic has made me feel like I was cheated out of my money.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OR)

I have PMI applied to mortgage originating in XXXX XXXX. With payments and appreciation, I believe I would be eligible to drop PMI at this time. I have talked to the company by phone and email MANY times since XXXX of XXXX, through last month XX/XX/XXXX. They explained that the next step is to fill out a form to request an appraisal. They can not email the form to me or point me to a place to download the form online- they can ONLY mail it to me. I have re-requested this form get sent to me over eight times. It has never been sent. I am paying for insurance that I no longer need to pay and I can not get to the next step due to unresponsiveness or stonewalling on the part of my Mortgage provider. PLEASE HELP!!!!
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

On XX/XX/2022, I got a call from XXXX XXXX at Rocket Mortgage. I believe he found my number because my credit report had recently been pulled because we are working with a Mortgage Broker. He told me that he had received an application, which I assumed had been submitted by my mortgage broker. Based on his verbiage, I believed that he was working with her. I messaged my mortgage broker during the call and she said that was not the case. This was after I had already given him some information including my SSN. It appears that he pulled a credit report. I requested that he cancel my application. I received an email from XXXX that he ran my report without my permission.
Consumer complaint received 2022-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

Good afternoon, I applied for the offered forbearance. This forbearance ran out XX/XX/XXXX. 
On XX/XX/XXXX, I contacted my loan company 's ( LoanCare ) Loan Mitigation Department about the options available due to Covid. I chose the option of placing the past due amount at the end of the mortgage. I asked for confirmation and LoanCare told me it would take approximately 30 days to process, and I would be notified then. 
I called in approximately four weeks as I had begun to receive notices. They told me to ignore as my option was still being processed and any calls or notices I received were computer generated. 
Two weeks ago, I received a packet asking for information and for me to approach them about a plan. I called and LoanCarXXXX said it was computer generated. My plan was still in review. 
I received a call last week and the caller had no record of them working on my plan. She later found it in the system that I had requested the option and forwarded me to Loan Mitigation. Loan Mitigation said the option had never been summited and I needed to restart the process. 
Now I find out the safeguards designed to take place before foreclosure proceedings start ended XX/XX/XXXX. 
It is obvious I was strung along until this deadline was reached. Due I have any recourse now or have they succeeded in running out the clock? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Loan number : XXXX
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (GA)

I have been dealing with an ongoing stubborn account, I.C. SYSTEM INC. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.
Consumer complaint received 2019-11-28
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. (PA)

I have tried for the past 6 months to have this issue resolved with my credit report with no avail. XXXX XXXX ( Original Creditor : XXXX ) XXXX. This account is reporting innacurately and has been reaged. I have attached this account on my credit report as proof XXXX   is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX Equifax is reporting date of last active XX/XX/XXXX date of last reported XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

My XXXX with Mohela is due on the XXXX of the month. I made my payment on the XXXX and received a bill that my payment was over due. I called Mohela and was told that it takes 3 business days to process the payment and that the payment needs to be made at least 3 days before the due date. I asked for something in writing stating that policy. The agent put me on hold and then told where to find where it says ( this is directly from their website ) " Online - 2-3 business days from the payment processing date to post. However, the effective payment date will be your scheduled payment date. '' As I said, I made the payment on the XXXX, the payment cleared my back on the XXXX, yet I also receive an email on the XXXX that my account is over due. By this reasoning, my due date is not actually the XXXX, but around the XXXX. Furthermore if the XXXX falls on a weekend or holiday, my due date is when? The XXXX? I understand it XXXX take XXXX business days for the payment to post ; however, it does not make the payment late.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NV)

I was initially contacted via email that they had a debt from a doctors office. I contacted this company on Wednesday XX/XX/year> to try and settle. I informed them that I live in the state of Nevada and the state does not allow for interest to be collected. I was told that they would allow for me to pay the amount owed from the doctors office of {$640.00}. I paid XXXX on XXXX XXXX. I called back on XX/XX/year> to pay the remaining balance and I was told that I owe {$520.00} dollars. They told me none of that balance consisted of interest. I have the bill stating what I owed the doctors office. Then when the representative spoke to me they told me that their supervisor said I was charged over {$300.00} in interest but they didnt charge it. They said the charge came from the doctors office. I was also told that they can charge fees for debt that they own but the representative said they did not own the debt. I then told them to give me a signed contract from that doctors office stating that I agree to paying interest. If they dont own the debt why were they charging me interest in the first place. I have attached the statement I received from the company to prove interest was indeed charged on the account and the amount originally owed to the doctors office.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.