davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/XXXX to remove some items that are unknown to me. I require you all to remove/block any items or information not later than 4 business days after my complaint. Ive already included this in my previous Complaint & I am including it again., Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX TX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Owed XXXX {$150.00} XXXX XXXX Balance Owed : {$380.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

Comonwealth Financial Systems didn't send any correspondence to me in reference to this debt. I have disputed the debt through credit agencies and have sent them letters requesting verification including original bill/signature and haven't received anything from this company. Commonwealth isn't bonded in the State Of Georgia to collect debts..
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (SC)

This company continues to refuse to provide verification of their debt allegations. They state they sent identity theft verification packets. I have never received any identity theft packets from them. I have repeatedly written and called saying I know of nothing that supports their allegations that I owe them anything. Further upon speaking to them on recorded line they stated to me this record of my date of birth, this was incorrect.All three credit agencies are reporting my identity theft yet this organization refuses to acknowledge this and provide me with their verification.This is not my debt.The continue to illegally report derogatory marks upon my credit having NEVER verified nor provided to me what has been asked of them to compliantly do as was stated to them by FCRA Rules and regulations.This has been asked of them to do since XXXX and we are now in XXXX.
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (AZ)

My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XX/XX/XXXX. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/XXXX. I need this removed from my credit. Thank you for your time.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I used my XXXX XXXX debit card as a credit card over the weekend. There were several small charges made that equaled to approximately {$35.00}. The charges went through at the establishments. My bank, Bank of America allowed these charges to go through. I transferred money in and out of the account over the weekend online. In between the transfers, Bank of America charged my account ( 3 ) Three overdraft fees for {$35.00} each for a total of {$100.00}. Money was available to cover but the overdraft charges were a domino affect that caused the second and third to happen. All of these charges were not available until Tuesday from the weekend. There were enough funds to cover the charges. I have called the bank and they refuse to refund these charges. If there were not enough funds in the account, the bank should have decline the card charges. Banks should decline charges instead of charging overdraft fees. Bank of America should have continuous processes over the weekend instead of conducting business like it was 1990. Money can be made available over the weekend just like it can be during the week.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

I opened a Citi checking bank account after being sent a promotion to receive a promotional bonus after keeping my funds of XXXX or more in the checking account for more than 60 days. After the 60 days there would be a 90 day wait, I have waited over 120 days and have yet to receive anything. I opened 3 support tickets and all of them have led no where. 

The banker I spoke to has told me multiple times that I have met the requirements and it should be paid out. 

The promotional code I received was XXXX. I opened the account on XX/XX/2020. The banker told me I had met all the requirements in XXXX and it should have been paid out by now. 

One representative told me I wasnt target by I have the promotional code XXXX as proof that I was targeted.
Consumer complaint received 2020-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (TX)

I went online, to my Account, to see what the payoff amount was, on XX/XX/20, the early payoff was {$820.00}. I waited to check my account or call the company, to give my payment enough time to process. After I didn't hear anything, from them, I went back online, to check my payment, and it showed up. But it was still showing a balance, so I called the company, Sunday XX/XX/XXXX, I spoke to a representative, he stated he didn't see my payment, I said it's showing up on my online account, then he proceeded to say oh I see it. I asked why is there still showing a balance of, {$300.00} in the early payoff and showing scheduled payments, of XXXX. The rep stated that the XXXX is what I owed, so I asked him, if on XX/XX/20, the payment was {$820.00}, and that's what I paid, why is it a balance, he couldn't explain that to me, so he placed me on a long hold and came back and said, what we will do is refund your {$820.00}, to readjust your account, them get the {$820.00} back, I said no, that don't make sense. He said it should still be the XXXX something, after we adjust your account, I said no, you will keep my payment and close this account out, he kept trying to tell me they will refund, the money, I said no, you will keep the money and close the account, and if you all try to debit my account again I will take y'all to court, on XX/XX/2020, they tried to take the {$78.00}, that caused my account to be charged a {$35.00} Insufficient Funds fee, I called my bank to block them
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc. (WI)

XX/XX/XXXX - I mailed check # XXXX in the amount of {$50000.00} mailed to Mr. Cooper for the current balance on Loan Number : # XXXX XX/XX/XXXX - Check was confirmed received by Mr. Cooper XX/XX/XXXX thru XX/XX/XXXX - Made innumerable contacts with Mr. Cooper through phone calls, emails, and Mr. Cooper web site messaging asking the check be applied C ; responses from Mr. Cooper were auto responses that did not address the complaint as well as phone calls with many employees having to repeat the complaint on numerous occasions ; received collection calls from Mr Cooper representatives XX/XX/XXXX - received the original check issued on XX/XX/XXXX ( check # XXXX - {$50000.00} ) returned to us - see attached letter from Mr. Cooper XX/XX/XXXX - week of XX/XX/XXXX I mailed new check in the amount of {$42000.00} to Mr. Cooper to be applied to {$42000.00} - note : payment was for 89 % of balance to avoid having to send a certified check XXXX/XXXX/XXXX - Payment of {$42000.00} applied to loan - XX/XX/XXXX - received payoff off quote of {$6900.00} and completed XXXX bank transfer for {$6900.00} plus a {$20.00} wire fee - see attached XX/XX/XXXX - Received letter in the mail from Mr. Cooper - Satisfaction of Mortgage XX/XX/XXXX - received refund check from Mr. Cooper for balance of escrow funds at the time the loan was paid off XX/XX/XXXX - XXXX collections phone call Mr Cooper XXXX XX/XX/XXXX - XXXX collections phone call Mr Cooper Loans XX/XX/XXXX - XXXX collections phone call Mr Cooper Loans XX/XX/XXXX XXXX XXXX collections phone call Mr Cooper Loans Summary of XXXX : Since XX/XX/XXXX - we have made in innumerable attempts to pay off our mortgage with Mr. Cooper - includes mailing x2 check and completing a wire transfer. Mr. Cooper has returned both checks, accepted the wire transfer and issued a satisfaction of mortgage on the property. It should be noted that in addition to sending us a copy of the satisfaction of the mortgage- the also mailed XXXX XXXX, MN a copy of the satisfaction of Mortgage. 

Now, Mr. Cooper is claiming the mortgage is not satisfied and in fact has initiated collection procedures against us. 

This has caused extreme hardship on my spouse and me- completely unwarranted and unnecessary. 

Any attempts to address this issue ( s ) with Mr. Cooper has resulted in auto responses, many phone calls with Mr. Cooper representatives that can not solve the issue and extortionary delays in speaking to anyone.
Consumer complaint received 2020-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

According to Chase Bank, they closed the account after a payroll check was deposited on XX/XX/2020. Further, they stated they were holding that check, and the amount that was in the account prior, and the savings account that was not tied to the checking account. 
The account was opened in XXXX for the purpose of direct deposit since my XXXX  job requires a bank account for direct deposit. The first check was placed in the account and Chase said it would take 3-5 days for it to be verified. Then the second paycheck came in and there was no correspondence with me, but they kept the check and closed the account. I did not realize what happened until I went to buy a car on Sunday, XX/XX/2020, and was unable to access any of my funds. 
On Monday, XX/XX/2020, I called Chase and they said it was randomly selected to verify the payroll check and they could do nothing. I went to the Chase branch at the corner of XXXX XXXX XXXX and XXXX XXXX and they apologized, XXXX ( the branch manager ), said she had no idea why it was happening and that she would take care of it on Tuesday, XX/XX/XXXX. 
Then, on Tuesday, XX/XX/XXXX, I went back to Chase and XXXX left before I arrived, XXXX, another employee said I should open another account and maybe they could put the funds in that account in another week. Meanwhile, I had a check that was sent to Chase via direct deposit and I still have no access to any of it. Also, my savings account is still locked and I have no access to it. I have had no access to any money since XX/XX/XXXX and they have offered me nothing.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (NJ)

Spire Recovery Solutions is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to Spire Recovery Solutions so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. I have previously made requests for validation and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. Spire Recovery Solutions has no legal right to access my email and has not provided validation of debt. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information with permission. I hereby request cease and desist. As stated before this is illegal.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had personal data stolen from my trailer in Oregon. Someone is trying open credit in my name. I have put a freeze on my credit. I called capitol one and XXXX XXXX XXXXXXXX. Capitol one said someone applied for a card. Capitol one has canceled denied the request for the card
Consumer complaint received 2021-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of the wrong persons.
Consumer complaint received 2021-01-14
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)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

This Bankruptcy account is NOT IN COMPLIANT with the consumer laws, and its reporting incomplete, misleading, inconsistent and erroneous information and therefore it CAN NOT be verified. 

Here is some of the reasons that it shouldnt be reported and de DELETED from my credit report effective ASAP : Addtl see the screenshot errors below! 

Bankruptcy filing date is wrong. DELETE!!!! 
There are 3 different filing dates. DELETE!!!! 
Court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). DELETE!!!! Remove immediately. 
I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this. DELETE!!!! 
Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? DELETE!!!! 
I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed. DELETE!!!! 
You have the wrong docket number.
Consumer complaint received 2021-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I XXXX XXXX have notified " Navient XXXX '' of it's potential fraud, inaccurate, and invalid information being reported from their company against me. Once I contacted Navient XXXX with this discovery Navient XXXX retaliated against me and reported 60 days late on my bureau. I have disputed " Navient XXXX '' and these feloniously debts in the past. By law all of these accounts should not be reporting in my credit profile. 

When I noticed this information I investigated and disputed many accounts that were invalid, inaccurate, and flat-out not my accounts, to my understanding these three accounts were included. None the less, they still remain on my credit file. 

I contact Navient Financial XX/XX/XXXX regrading these 3 accounts. I was more than certain I did not, and DO NOT owe, ( yet currently being reported on 3 major reporting Buraus ( XXXX XXXX, XXXX ) as my debt with a 60 day late XX/XX/XXXX ). 

I contacted Navient, the rep was very argumentative and was almost sure there wasn't any harm done against me by this servicer " Navient XXXX. I disagree with all debts, credit reporting information from Navient XXXX in regards to student loans, specially XXXX # XXXX : XXXX {$2600.00} XXXX {$2600.00} XXXX {$2600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$4600.00} XXXX {$21000.00} XXXX {$21000.00} XXXX {$21000.00} As to date the entire world is battling to survive financially and " Navient XXXX '' reported 60 day late XX/XX/XXXX on my credit files. 

This was clearly retaliation from the phone call I, XXXX XXXX placed to " Navient XXXX '' on XX/XX/XXXX to inform them of the inaccurate & invalid information the company was reporting against my credit. 

Less then 72 hours my credit rating went from a rating of Good to Poor due to " Navient XXXX '' reporting the above debts as 60 day late for the month of XX/XX/XXXX. Due to this retaliation from " Navient Financial '' I have experience financial and personal hardship, I am unable to qualify for any SBA Business Covid Relief or FEMA Winter Storm Loan assistance. 


I state again, do not think I own these debts. 

XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Management Services, LP (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

During the Covid pandemic I had to put my mortgage payments on a three month forbearance with Wells Fargo. It started XX/XX/XXXX, I chose forbearance with the option of a payment deferral program ; rolling over the outstanding balance to the end of my mortgage term. I made my mortgage payment again on XX/XX/XXXX but, unfortunately come XXXX I ran into financial hardship again and once again opted to forbearance my mortgage for three months. However, come XX/XX/XXXX when I was ready to continue moving forward with my mortgage payments, I was told I could not roll the outstanding balance of {$4300.00} to the end of the mortgage term because payment deferral was only a one-time option. I was not informed by Wells Fargo that the payment deferral program was only a one-time offer. In-fact if I was told that in XXXX, I would have never opted for the second forbearance. I was told that the company who banks the Mortgage Loan to Wells Fargo is XXXX XXXX. I reached out to XXXX XXXX today, XX/XX/XXXX, and I was told by an account specialist that they could not help me or make an exception for me even as I was mislead by Wells Fargo. Wells Fargo told me I could apply for a Mortgage Assistance Modification, which will show on my credit report and is not the option I would have chose. I did apply for the modification because I felt like I have my hands tied, if I can not find a way to make up this outstanding balance my mortgage will show as default even if I continue to make my monthly payment, which I have. In such a time of crisis it is unfortunate that company 's are not doing more to help out the people who are effected by the pandemic.