davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I signed up with a company called XXXX XXXX, they are a program for mortgage professionals. I have cancelled with them since XX/XX/XXXX!! 

I don't check my credit card statements often because I don't use the cards often. 

This company has been charging me after I cancelled with them since XX/XX/XXXX!!! XXXX dollars a month, and some months XXXX dollars! 

I disputed this with Chase and they said they can't do anything, because they can't only credit me for 60 days and they will contact the merchant as well to get them to stop charging me. 

Well it's now XX/XX/XXXX and the merchant sure enough is still charging me!, I have not used the card and finally logged on to check my account and prepare for tax season and I see that I am still being charged.
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (NJ)

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with XXXX XXXX XXXX, the name of the XXXX collections are XXXX XXXX XXXX and TATE & KIRLIN ASSOCIATES , INC, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I am re-filing a complaint against ( original CFPB complaint XXXX number ) SPS Servicing XXXX. 

Loan Account Number : XXXX Select PortfolioServicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX Letter sent to CFPB XX/XX/2020 in response to closing case number XXXX " I remember the Loss Mitigation form from SPS, and I completed as I thought it was related to extending my Forbearance. If that was not the case, then that should have been explained to me. There was plenty of opportunity to clarify how it differed because I called and wrote. 

Again, based on the CARES Act, I had the option to request additional 6-month forbearance and I made several requests way before XX/XX/XXXX. I made my first request for forbearance on XX/XX/XXXX when I sent 2 additional 6-month forbearance request letters via the website to Relationship Manager, XXXX XXXX, via the website after speaking with XXXX XXXX at XXXX XXXX CST on that day. I also spoke with Ms. XXXX who said it was not time to request a forbearance so soon. 

Again, on XX/XX/XXXX, I called and made another request on XX/XX/XXXX. I followed up with phone call and another request for forbearance extension on XX/XX/XXXX and again XX/XX/XXXX ( a letter ). There were at least three written attempts via your website requesting additional 6-mo forbearance extension. All correspondence would have been sent to the Relationship Manager, XXXX  XXXX. 
It is not XX/XX/XXXX, even though SPS has attempted to run out the clock. I am filing another complaint with CFPB and will be contacting them Monday, XX/XX/XXXX. '' I have the documentation to prove that I requested a 6-month additional forbearance well before XX/XX/2020, as provided by the CARES Act : Request letter from XX/XX/2020, XX/XX/2020. 

SPS is not acting in good faith and based on CARES Act rules, as I made 6-month forbearance extension request in a timely manner. If CFPB can not help me, then legal remedy may be taken by me.
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I attempted to transfer funds via ACH from my Bank of America online account to my account at XXXX ( XXXX XXXX ) but was unable because XXXX XXXX XXXX routing number ( XXXX ) was not in Bank of America 's routing number directory ( XXXX XXXX XXXX routing number is displayed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). I was informed by a customer service representative of Bank of America that XXXX XXXX XXXX routing number could not be added to the Bank of America directory even though XXXX XXXX XXXX routing number is on the Federal Reserve Bank 's   directory ( XXXX XXXX XXXX ). I am filing a complaint because I am unable to transfer funds from Bank of America to XXXX ( XXXX XXXX ) until the routing number is properly added to Bank of America 's directory.
Consumer complaint received 2020-03-03
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: U.S. BANCORP (IA)

I settled this in full in XXXX, us bank shows I didnt so I sif again XX/XX/XXXX with XXXX XXXX and they sent me a letter confirming this. I called XXXX  and they said it didnt matter, they needed confirmation from us bank that it was sif and XXXX base came back that way and didn't see any of that information which is incorrect.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (MS)

On XX/XX/XXXX I submitted a dispute online through the CFPB. Complaint number XXXX regarding inaccurate information on my consumer report. I received a letter dated XX/XX/XXXX stating they could not locate my file. The letter stated I needed to send information that had my social security number attached to it and information that had my address attached to it. On XX/XX/XXXX I received a copy of my credit file from Equifax. No where in the law it states that I need to send my social security number for identification to any corporation. Past history shows you need a government issued id and something to validate your address. Equifax is stalling. My ssn is not needed for identification purposes.
Consumer complaint received 2020-12-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with LVNV FUNDING LLC, the name of the XXXX collections are RESURGENT, CAPITAL SERVICES and XXXX XXXX XXXX XXXX, XXXX, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens Bank charges {$250.00} to subordinate a Second Mortgage which is fine but they will not allow the borrower to pay the charge within the closing documents and the borrower can't pay directly. It can't be shown on the LE as a borrower-paid charge per Citizens. the charge must be paid by the lender or the broker which is me. So I'm having to pay a fee that isn't on the LE out of my own pocket which seems a violation of the law. I've attached the 1st page of their instructions stating the fee and who is to pay and how it can't be on the Loan Estimate.
Consumer complaint received 2022-03-14
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)

On XX/XX/2022, I disputed three collection accounts being furnished to my credit report by Transunion. Only one of the collection accounts from the same company has been deleted. I am requesting that the other two collections being reported, be deleted and blocked immediately. The name of the accounts are XXXX and XXXX. The disputes were completed on XXXX XXXX. Please see the attached documents.
Consumer complaint received 2020-12-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

I called midland credit due to a debt owed that was paid off when marked delinquent from the original credit issuer. Midland credit refused to validate the debt with the original credit issuer and continued to threaten, Harass, and using intimidation tactics to pay debt not owed.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has repeatedly denied my countless attempts to open a dispute against XXXX XXXX XXXX inaccurate reporting of 14 accounts on my credit report. I believe that I am being subjected to racist policies by Experian. The accounts " dates of service '' are greater than seven years old and should be deleted. XXXX XXXX XXXX violated FDCPA and Texas Statute SB 1264. 1. After multiple request going back to XXXX, XXXX XXXX has refused to verify the debt. 2. XXXX XXXX did not advise me of my right to dispute the validity of the debt. 3. XXXX  and XXXX  already found the reporting to be erroneous and from eight years ago. 4. This reporting is in violation of Senate Bill 1264 Texas, XX/XX/XXXXXXXX XXXX who XXXX XXXX XXXX is collecting on behalf of received payment from XXXX XX/XX/XXXX in XXXX of XXXX - XXXX of XXXX. They received payment from XXXX of XXXX through Present XXXX for services rendered. Any other amounts were not disclosed to me. These are surprise bills. 5. I have NO Contract with XXXX XXXX XXXX. They are falsely reporting these 14 accounts as DEFAULTED Loans. These are fraudulent, falsified records. These are not Loans. Again XX/XX/XXXX XXXX XXXX received Payment in full. 
The record are listed below. 
* 1.XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$880.00} * 2. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Loan Amount {$630.00} * 3. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$940.00} * 4. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$990.00} * 5. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$710.00} * 6. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$340.00} * 7. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$950.00} * 8. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$930.00} * 9. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$370.00} * 10. XX/XX/XXXX XXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} * 11. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} * 12. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$830.00} * 13. XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$730.00} * 14.XX/XX/XXXXXXXX XXXX Account number : XXXX Collection opened : XX/XX/XXXX Account type Loan Amount {$890.00} Experian immediately cease all credit reporting of collections with XXXX XXXX XXXXThis is a violation of FCRA.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I have attempted several times to have Santander remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. Santander do have knowledge of this issue and fail to resolve it. Santander have an internally inconsistant error issue and is doing nothing about it, Santander has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX  because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

I disputed an alleged debt thats reporting on my credit reports reported by Transworld Systems for {$510.00}. Transworld Systems responded with a letter and a photocopy document allegedly from XXXX XXXX the printout is incomplete and inaccuate. The print out has JUST the last name of an allege debtor NO first name NO address NO birthday NO S.S number just the last name XXXX picture included. There are 61,000 people in America that has the last name XXXX this document does not represent me. Transworld Systems has fail to send me complete documents regarding this alleged debt and Transworld Systems is violating FCRA criteria for validating this allege debt.
Consumer complaint received 2023-01-05
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2023-12-04
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. (IN)

On several occasions I have reached out to all three credit bureaus & the companies as well as collection agencies to try and resolve said issues. I have provided the companies and bureaus with not only medical documentation, but I have submitted everything to them to dispute and show proof these debts are not me. Since the middle of last year in XXXX I have reached out to them to get these situations settled and removed from my report and to stop the harassment, intimidation, excessive phone calls & letters. I am not sure what else to do at this point I do not know who did this and stole my identity & setup accounts but just cause the mail arrives at a certain address does not mean that person opened that account. I get mail at my address for a person who has never lived here so I am saying as a XXXX veteran who served this country honorably and someone who takes pride in their reputation I want these accounts and the adverse notes and scores inquires in all removed from my credit report and for the companies to stop calling and sending letters to me for credit cards, loans, and such things that I did not open and nobody in my home opened.
Consumer complaint received 2023-06-07
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. (CA)

Dear CFPB, This letter is to inform you that I have become a victim of identity theft. There are inquiries on my Equifax credit report which do not belong to me nor are they attached to any open accounts of mine. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the credit bureau Equifax. 

In addition, I demand the following fraudulent inquiry be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent inquiry be deleted from my credit report immediately. 

- XXXX XX/XX/2023 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-03-03
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: WELLS FARGO & COMPANY (MO)

I fell 30 days behind on my Wells Fargo Home Mortgage a few years back. During that time I was able to arrange for Wells Fargo to re-fiance my mortgage and during the underwriting I was advised by my Wells Fargo Adviser that I was NOT to make any additional payments until the new loan was finalized as it would impact the amount being re-financed. I followed their instructions and once the refinancing was completed I stayed current on my payments for the next two years until I sold my house and moved. Unfortunately, Wells Fargo reported my loan as 60 and then 90 days delinquent even though I was instructed by them to NOT make those payments. I have requested that the history of my loan on my credit profile be adjusted to the 60 and 90 days delinquent status to 30 but XXXX XXXX is not doing so.
Consumer complaint received 2023-06-07
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. (MD)

I have a closed credit card account with the Police and XXXX XXXX XXXX XXXX. The card was charged off and settled in XX/XX/2022. Upon review of my report from XXXX, Equifax is reporting that this account is 180 days late which is not accurate!
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello today I made a deposit into a ATM inside the Bank of America branch located on XXXX XXXX XXXX, XXXX, ca and the teller had advised me to use the atm when I did the machine got stuck and took about {$4800.00} dollars from me and it did not register the money was stuck and now I have to wait 45 days and the claim might not be resolved. I really need the money to pay my rent and it is all I have at the moment. When the transaction got stuck the bank manager advised me that he atm was indeed faulty and it has been having issues but it is still in service. I am absolutely distraught and do not what to do to get my money back on time, the only credit I received was {$300.00} and that will not cover my bills.