davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

CFPB, I am writing in regards to Experian and XXXX  refusing to delete re-aged XXXX XXXX account XXXX. Experian is reporting XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX Re-aging account is a violation of the Fair Credit Reporting Act. The date last active is reporting three different years and dates which is inaccurate and a violation of the FCRA.
Consumer complaint received 2022-10-31
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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

XX/XX/2022 I applied online for XXXX XXXX and XXXX  account after reading eligibility requirements which I qualify because I live and work in Washington only to be denied by Chex System Inc for the reasons I will state # XXXX Time since last XXXX inquiry # XXXX Asset ownership history # XXXX closure history # XXXX XXXX closure payment history I also can't cash payroll checks at any grocery store plus it is also the same service for apartment screening this has been a over XXXX years of being discrimination denial and I would like to be compensated and cleared of these false allegations that have been a XXXX year shaming of my character and identity just because my last name is XXXX I really don't know what pricetag to put on a XXXX decade length of false reporting of my identity and character Chex System Inc XXXX XXXX relations phone # XXXX XXXX XXXX and Fax # XXXX XXXX XXXX correcting and clearing the false allegations would be life changing rather then making me feel that the XXXX at the end of my name has kept it this way for over XXXX years
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MI)

I had a dental procedure done from XXXX XXXX XXXX of XXXX Michigan in 2020. I asked the cost before service, paid the amount at time of service. Was then told a month later that they made a billing error and I was responsible for the added cost. This is a classic example of what is wrong with our medical industry. Imagine buying a car and then the dealership telling you a month later it was the wrong price and you owe more.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion did not investigate my issue either time I filed a dispute. 

My last dispute was submitted on XX/XX/21 and received notification on XX/XX/21 that the investigation was complete. I am due a fair and proper investigation. 

If investigated as it should be, you will find that Transunion did NOT verify a bankruptcy thats reflected on my credit report. 

Their original notification indicated that the US Northern Bankruptcy Court was the source and it was verified through the court. 

I have documentation ( provided to Transunion ) indicating that the bankruptcy court does NOT verify bankruptcies. 

This information was illegally placed on my credit report as no information was verified. It is illegal to place items on a credit report without verifying the information first.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, about {$3500.00} was stolen from my Wells Fargo account. I contacted Wells Fargo the next day and filed two claims stating this wasnt me. They gave me the money back for the atm withdrawals that added up to about {$700.00} dollars. But for the second claim that added up to about {$2800.00}, that was denied. Mind you, all of these withdrawals happened in the same day, at the same bank, at the same time, in a area that is two hours away from where I Live.I wanted to know the status of the claim so I called Wells Fargo and they told me that they didnt find any case of fraudulent activity. When I first filed the claim for the {$2800.00}, I was told that they were going to do an investigation that meant looking into the security cameras where the money was took from. I would think if they looked at the security cameras that they would notice that this wasnt me. I was also told that someone else would contact me but no one has. At this point I dont know what to do. I dont know if I should sue Wells Fargo or something else
Consumer complaint received 2022-10-31
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of XX/XX/2021.
Consumer complaint received 2020-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MS)

I had my pay check garnished for the amount sent by the company and the courts. Now I am getting harassed pay more money after my garnishment was complete. And I have proof that it was complete. So I am emailing you per my advise of a Lawyer to file this complain, because now this company is pulling my credit report and I didn't give them permission to do so. Now I am looking to sue them.
Consumer complaint received 2021-03-17
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. (CA)

There are 4 accounts on my credit report that do not belong to me they are not mine I have not approved or signed for these. I have tried to reach out to the bureaus but they will not help me out. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-03-25
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC (GA)

On XX/XX/20 I contacted Longbridge Financial about Reverse Mortgage and received same day email response with additional information and numerous reviews and ratings and assurance of their strict adherence to NRMLA Code of Ethics. Also received a detailed financial spreadsheet analysis to be used during counseling session ; a 6 page written quote. 

XX/XX/20 After numerous calls and emails we moved to signing of an application provided by DocuSign. 

XX/XX/20 sent email asking that the interest rate quoted in conversations, emails and financial proposal/quote ( XX/XX/20 ) be explained in detail. This email request was ignored ; the one and only time a question was ignored or left unanswered. 

XX/XX/20 Emailed XXXX XXXX to advise that appraisal was scheduled for XX/XX/20 and again reminded XXXX that my question regarding the interest rate had not been answered. He called and when I asked him the exact components making up the interest rate quoted verbally and in writing he indicated that it was made up of LIBOR, .50 % for insurance and the remaining component was the margin for Longbridge. When I asked the LIBOR rate used in the quote he said 1.3882. I responded that of the total quoted of 3.382 that left 1.50 for Longbridge margin. He seemed confused and said no, the margin was 1.75 because they lowered the origination fee from {$5200.00} to {$4800.00}.

After hearing this confusing and conflicting explanation I offered to review the written quote he provided and call him back ; I called back immediately with the quote and he agreed with the original interest rate but said someone in corporate had changed the rate a couple of days after he quoted me originally. He attempted to have me accept the higher rate by referring me to the amortization schedule he provided with the written quote. Since the interest would be thousands of dollars more over time, the {$400.00} reduction in origination fee was not an acceptable alternative. 

I explained that I was extremely disappointed and uncomfortable and that we needed to maintain the original numbers to move forward. He agreed and said he would contact the individual who changed the numbers, XXXX called back minutes later indicating the change and new interest rate would stand and either I agreed or the application would be canceled, the appraisal stopped, and while he agreed this was unfortunate, his hands were tied. I assured I would file complaints with all appropriate agencies.
Consumer complaint received 2022-04-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (KY)

My title loan with Ally Financial was paid in full with XXXX on XX/XX/2022. I was told by Ally the lien release and payoff letter would be mailed within 5 business days. I have contacted the company several time and still have not received the documents. I have been told by them the documents have been or would be mailed. I received and email from them on XX/XX/2022 stating the documents were mailed. On XX/XX/2022 I was told the documents would be sent via XXXX. I still am not in possession of the lien release or payoff letter.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

To Mr. Cooper Loan XXXX Complaint : Failure to adhere to U S Bankruptsy Court directives. Failure to provide the financial stability required by the bankruptsy Plan. Failure to apply funds according to Payor check directives. Failure to manage loan accounts in a responsible manner. Failure to distribute funds  accurately to Fannie Mae. Failure to manage suspense accounts in a responsible manner. Failure to make comprehensive corrections and adjustments when processing errors are present. Failure to follow Mr. Cooper issued account directives. Failure to follow the Fair Debt Collection Practices Act. 

The details to each of the above allegations are available upon request from the Payee when an Account Manager given the authority to process account changes is assigned to this loan case, and calls XXXX. 

Thank you XXXX XXXX
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (NV)

Sent General Revenue Corporation a request validation of alleged debt they reported on my credit report on XX/XX/2021 tracking shows they received my request on XX/XX/2021 it is now XX/XX/2021 30 days after them receiving my request and I have not received a reply from General Revenue Corporation validating this alleged debt.
Consumer complaint received 2022-12-31
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. (TX)

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 investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$290.00}
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MN)

This company posted a collection on my credit with inaccurate information ; I have disputed at least a dozen times and they have verified it. This company has never once contacted me directly about this alleged debt. They sent no notification via mail and Ive lived at the same address for 10+ years, my address and phone are both correct. I called a number for this company I found online and they werent able to locate my account. This is impacting my ability to obtain a home mortgage.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously notified Transunion that I am a victim of Identity theft, and in return Transunion accused me of being a third party, what ever that means. I am NOT a third party. My name is XXXX XXXX XXXX and I am a victim of identity theft, and I give Transunion and the CFPB authorization to look into my compalint.
Consumer complaint received 2020-03-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I unexpectedly lost my job, to no fault of my own. I have had to submit two separate loss mitigation Packages to BBT. Going through their process two times. Each time they give me the run around, misplaced or missed documents I sent in. No reading the evidence Ive sent in. Denying my ability for an FHA Workout program simply bc Im not in default. They said this to me several times as if I need to default on my loan to be helped. The second time around I had to recieved a denials call once again because I am not in default and they said they dont see why I cant pay my mortgage. I lost my patience and said cant she see that Im out of work and have no income??? Im have no money left. 

The woman had no sympathy and said it I want to go through the process I could appeal their decision. 

BBT has been giving me the run around and playing games with my finances ever since I started asking for the FHA program that would allow me to skip a fee payments and put them on the back of my loan. In this time of deep distress they refuse to give me and accommodations and not I literally can pay one more mortgage payment and then I will be completely broke and will loose my home. I am besides myself and thing whatbtheybhave some here is not legal or ethical by any standards
Consumer complaint received 2022-12-31
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. (KS)

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 for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00}.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I agreed to a settlement offer over the phone with a female Rep at Genisis Credit Management. The payment arrangement was set at {$50.00} payments. The Rep said that the settlement offer will follow in the mail, after I make the first payment, with the details of the {$50.00} payment arrangements, the final settlement offer of amount of {$2500.00}. The letter was never received by me. They would only provide documentation of the payments I made, never a settlement letter. I followed up every payment made by requesting the letter. Later, I was told by a new Rep, that their records do not show a settlement offer was in their system. Late last year, I was finally able to speak with a manager, XXXX, who reviewed the account notes and informed me that the Rep NEVER setup the settlement and he is not able to honor a settlement. I asked him why would I pay {$2000.00}, without a settlement offer to a collection agency. The manager, was not helpful and unwilling to offer any type of assistance in the matter, he demanded balance in full. I informed him that they have misrepresented and LIED, in the efforts to obtain and secure payments. I have made several attempts, multiple conversations with Reps, who identified themselves as Managers and then disconnected phone calls. However, I would later receive a phone call, I requested each Rep to read previous notes. Ironically, the previous Rep did not make specific notes, just that I was hostile in communications.
Consumer complaint received 2022-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$490.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$640.00} Terms NA This account was fraudulent, and this is identity theft and double posting to the account. this need to be thoroughly investigated '. Please
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$980.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT