davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-20
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. (GA)

My name is 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 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

This is CLIENTS NAME, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

I WAS SUED BY LVNV FUNDING LLC. THE CASE WAS JUDGED IN MY FAVOR WHERE JUDGE CLEARLY STATED THAT I DO NOT OWE ANYTHING TO THIS DEBT COLLECTION COMPANY, YET LVNV IS STILL REPORTING THE SAME COLLECTION ACCOUNTS TO CREDIT REPORT WHICH IS TREMENDOUSLY HURTING MY CREDIT. I HAVE COURT DOCUMENTS OF THE WHOLE TRIAL WHICH IS PROOF THAT I DO NOT OWE THIS COLLECTION COMPANY.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (CA)

I traded a car at Mercedes two years ago and traded it for another car at the same dealer ship and they were to pay the the one I traded off but I have TT tied to get them to correct this on my credit report it still shows inhave a XXXX XXXX  loan out whe it should be closed and marked as paid I have reached out to Mercedes they are willing to help its expire and that is giveing me the problem they have computers who make choices for them
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. ()

There are two fraudulent. The scammers names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
They asked me to pay money for the purchases of electrical equipment but they did not send me. I sent 800 $ for the first transfer on the XXXX of XXXX for the name XXXX XXXX XXXX XXXX XXXX. 
I sent XXXX $ for XXXX XXXX. It was the second on the XXXX of XXXX. 
I have already requested and recalled the XXXX and announced bank that it was fraudulent. They told me that it takes 5 days. But I do not believe in the system of refund money of XXXX. Could you help me, please to receive my money back? 
The scammers^s account names are the below information. 
Account Name : XXXX XXXX XXXX XXXX XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Bank Branch : XXXX - XXXX XXXX  : XXXX Bank Address : XXXX XXXX XXXX Recipient Address : XXXX XXXX XXXX - XXXX XXXX XXXX Name : XXXX XXXX Bank name : First Citizens Bank Account type : Checking Account number XXXX XXXX Routing Address : XXXX Country : USA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX North Carolina XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Was charged for overdraft fees and other unnecessary fees. Unfortunately I am unable to provide the dates since it was almost XXXX years ago. Wells Fargo never refunded the money so I closed my account after being a loyal customer for XXXX  years or so.
Consumer complaint received 2021-12-21
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. (PA)

I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion, XXXX and XXXX. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all 3 bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these 3 party Consumer reporting agencies are Foreign for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All 3 bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. Transunion stole my identity and sold my information via credit sale to these corporations without prior consent.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I am writing in regards to my account which was recently transferred to Huntington Mortgage Co. I was not notified prior to the transfer and my loan was on auto pay prior. Since I was unaware of the transfer I couldn't make sure to transfer the autopay. I was only made aware once my account went delinquent in XX/XX/2021. I made the payment immediately and set the autopay up so this does not happen in the future.
Consumer complaint received 2021-12-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I trying to understand the modification i received with a defer payment of {$38.00} owed at the end of the loan. I have written in past and the problem was cured. But what alarming is the new modification in 2017 that I'm unfamiliar with that agreement. I ; m in need of clarity. I'm on time with mortgage payment and defer payment is issue, The modification need to transparent for the resident.
Consumer complaint received 2019-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Santander Consumer USA Holdings Inc. (NH)

I'm a XXXX year old lady and XXXX year old husband that is XXXX and very sick and also a Veteran, and I have a thing on my credit report from a company. We live on nothing but social security and I have a part time job that buys us a little bit of grocery and now we have been notify from the people that we have been renting from for 23 years and found that the house can not be rented anymore because of the condition of the house, and I have been trying to find a place for my husband and I to live and I have this XXXX XXXX bill on my credit report and have no idea where it came from. I could really use your assistants on this as soon as possible.The account is closed
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Several times Wells Fargo gave me hard time. The first was during the furlough of government employees. They did not want to assist when we were not getting paid The second was when I had to file a XXXX XXXX The last time was when I got XXXX XXXX and was in a XXXX  and on a XXXX for a month and was in the XXXXl for three months learning to XXXX  and talk XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

Their response to my complaint XXXX does not answer my question. They just sent a lot of legalese and terms. I want to know why my score with them is over 100 points less than XXXX XXXX and XXXX. 

Also, I can not find my originals complaint in the CFPB database.
Consumer complaint received 2021-12-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (FL)

Ally Financial is attempting to collect a debt and repossess a vehicle that they can not repossess according to the law. I have written several letters to them about this and they are not acknowledging federal law. I want them to cease and desist and respond accordingly to the letters that I have sent them. 

Ally has sent me letters repeating the same thing over and over and I have sent them all the information that they have requested. 

Ally Bank is threatening to repossess my vehicle and that is against the law. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have sent them two ( 2 ) letters with all the details that were required and the information that they asked for and they keep responding saying that " We are unable to conduct a reasonable investigation at this time because your letter does not specify what information Ally Financial is furnishing that you are disputing. '' This is untrue. I sent them everything. Why do they keep saying this?
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (DE)

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 2021-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (LA)

On XX/XX/2021, I applied in Zales Jewelry store for a {$5000.00} line of credit. On XX/XX/2021, Comenity Bank notified potential XXXX XXXX account applicant/customer # XXXX, XXXX XXXX XXXX XXXX through letter to provide Government issued I.D., Social Security Card and a current bill in order to verify my address and identity. Immediately I submitted request documents through email address at XXXX. XXXX credit bureau notified me that my identity was checked and verified by Comenity Bank on XX/XX/2021. I contacted Comenity Bank 3 separate times to try and fix the delays and discrimination towards my application. But I had no success but rudeness. On XX/XX/2021 Comenity Bank sent me a letter of denial due to not being able to verify my identity. I called the denial department and the representative named XXXX was rude to say that I have to go back into a Zales jewelry location and reapply. On the Comenity Bank computer data base, application reference # XXXX, had records of receiving valid US veteran Louisiana government issued drivers license, official Social Security card, and XXXX XXXX Bank credit card bill. I was denied a re-consideration of myZales Jewelry reference # XXXX on XX/XX/2021.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Amerisave mortgage corp has been harassing us because of their clueless servicing department. They have threatened us that we do not have insurance ALTHOUGH it has never lapsed and have now illegally modified our mortgage from 14xx to 25xx. 
I'm sure its against federal law to do this! My insurance company is still the same, coverage never lapsed and their servicing dept is incompetent and do not read or have destroyed the proof of coverage sent to them.
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been paying biweekly for the last year and half. My payment is XXXX a month. I pay {$800.00} dollars every two weeks. I pay XXXX  from one Huntington account to another Huntington account. They have been charging me late fees and now have returned my check for the first time this month. They state they will not take partical payment even thought I pay more than expected each month.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MI)

Hello, On XX/XX/2019 my XXXX XXXX credit card information was compromised and I was left with a fraudulent {$330.00} charge from XXXX on my account. I spoke with XXXX XXXX 's fraud team about the matter and they removed the charge from my account and issued me a new credit card. Today I received a letter in the mail from Transworld Systems Inc., a debt collection company. The letter claims that the fraudulent XXXX charge was never taken care of and that I now owe them {$380.00}. I am contacting you because I would like some assistance in settling this matter as quickly as possible before it affects my credit scorXXXX. I have physical proof from XXXX absolving me of any debt owed to XXXX or any related debt collection agencies. 

Thank you.
Consumer complaint received 2024-06-12
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Merchants Adjustment Service, Inc. (FL)

Merchants Adjustment Services keeps filing collection notices on my credit reports, and renewing them every month. These collections efforts have to do with medical bills that XXXX XXXX XXXX approved at he time of the service, but then later refused to pay. 
They obviously can not get the payments out of XXXX XXXX XXXX XXXX so they are coming after me as the easier target. I have a XXXX credit rating, but these clowns keep pulling my rating down by filing non-payment charges on my credit every month in efforts to force me to pay debts that are XXXX XXXX XXXX XXXX responsibility. 

Help!
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WASHINGTON FEDERAL BANK (IL)

Today XX/XX/XXXX my contact from Washington Federal, XXXX XXXX called me to tell me that the bank received my payments to the escrow I made earlier this year and that my mortgage payment went down from {$1300.00} to {$1200.00}. Which I am grateful and believe it happened because I contacted CFPB. 

I already made the payments for XXXX and XXXX. So I asked XXXX to please put the difference of {$110.00} into my PRINCIPAL. 

XXXX said that she will add some of the money into the principal but the system always adds the extra into paying the late fees. She suggested I paid the {$600.00} in fees accumulated so she can follow my instructions. The bank has refused to reduce or eliminate their high fees of {$42.00} per transaction. My fees been caused for the difficulty to make mortgage payments on the XXXX system. 

Is my understanding that the mortgage bank needs to follow the customer payment instructions and it seems that Washington Federal wants to make its own rules.
Consumer complaint received 2019-11-23
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. (CA)

ON XX/XX/XXXX I SENT A WIRE THROUGH CITIBANK TO A BANK IN XXXX FOR {$2500.00} USD ( XXXX EUROS ). ON XX/XX/XXXX THROUGH AN INTERNAL AUDIT WITH THE VENDOR WE WERE SUPPOSED TO SEND THE MONEY TO, WE REALIZED THE VENDOR DID NOT RECEIVED THE WIRE THAT WE SENT ON XX/XX/XXXX. WE CALLED CITIBANK ON XX/XX/XXXX AND SPOKE WITH XXXX AND HER SUPERVISOR XXXX AT THE WIRE DEPT. XXXX OPTION 1. THEY SAID THEY WOULD RESEARCH AND FOR US TO CALL BACK ON FRIDAY. WE CALLED BACKED ON XX/XX/XXXX AND WAS GIVEN A CASE NUMBER XXXX AND WAS TOLD TO GIVE A CALL BACK WITHIN 2-10 BUSINESS DAYS. ON XX/XX/XXXX THE BANK IN XXXX CONFIRMED THEY RECEIVED THE FUNDS, BUT DID NOT APPLY TO THE ACCOUNT HOLDER. ON THE SAME DAY XX/XX/XXXX WE RECALLED THE FUNDS AND WAS TOLD TO CALL BACK WITHIN 2-10 DAYS BUT IT SHOULD BE NO LATER THAN 3 DAYS. XX/XX/XXXX WE CALLED BACK AND WAS GIVEN A GLOBAL ID NUMBER FOR THE WIRE TRANSFER XXXX AND SPOKE W/ XXXX A SUPERVISOR. SHE SAID TO CALL BACK AND SHE LOOKS INTO IT XX/XX/XXXX. WE CHECKED BACK IN ON XX/XX/XXXX AND HAD TO REQUEST TO ESQUALATE BECAUSE THE REPRESENTATIVE DID NOT KNOW HOW TO HELP US. THEY ALSO SAID THE BANK IN XXXX HAS REQUESTED XXXX EURO FEE TO INVESTIGATE OUR WIRE. 

WE HAVE WAITED PAITENTLY FOR CITIBANK TO RESOLVE THIS ISSUE BUT THEY HAVE FAILED TO DO SO. WE WOULD LIKE TO REQUEST YOUR ASSISTANCE IN HELPING US WITH GETTING OUR MONEY BACK FOR US SO WE CAN CLOSE OUR ACCOUNT WITH THIS AWFUL BANK.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, TransUnion, XXXX, and XXXX have failed to address these inaccuracies. 

Fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.