davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you once again regarding the fraudulent account that persists on my credit report despite multiple attempts to dispute it. It is unacceptable and infuriating that despite my repeated efforts to rectify this situation, the fraudulent account continues to tarnish my credit history. XXXX XXXX
Consumer complaint received 2021-09-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (MO)

ive been informed that as of yr XXXX i was and have a account with such wellsFargo upon calling in being denied having and such Account!!!!??, nor is such account number is verifiable. maybe a miss-translation from were such account exist.. was the thought as well. so after going back and forth with, i should have, it has to be 's recieved an account as well as A last 4 digit card number..proceeding to trace this misstories phatom account finding that account has no previous link to any bank as what 2 offical currency establishment claim ..as for the 4 digit for card that was provided.. was linked to a vertiual account closed back in XXXX XXXXim needing help with a seriously large amount of fund i have yet to recieve ..can i please get assistance with this matter as soon as a professonal recieve this complaint..
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

3 charges were made on my card that were not mine- totaling {$420.00} I called Bank of America and was told to contact XXXX, who told me to deal with bank Have now spent over 11 hours on hold with claims department- and then being cut- off a few times Was then told to send and email, which i did- no response SOS- i need the money
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (CA)

National Credit Systems is a third party debt collector that have been reporting incorrect information to my credit history as well as harassing me. They stole my information they claim they purchased without my consent and knowledge and started trying to collect a debt that does not exists. I have reported on numerous occasions that they are acting illegally but they claim they are justified because they are a third party debt collector. I do not owe any debt furthermore did not authorize to be contacted in anyway with this company. They have not provided any documentation, proof etc to prove their claims are legit. All they can provide is a contract they have with the creditor and not with me. I did not authorize my information to be sold to a third party debt collector. I do not owe any debt. I do not agree or consent to being harassed by a company I have no relation with or knowledge of. That is against the law. This company can not provide any documentation from XX/XX/XXXXthat proves any liability or debt except for a receipt they may have gotten. Furthermore my signature authorizing any of this have not been provided to this company. For all I know this company stole my information and have been harassing me. I want it to stop. I want National Credit Systems to drop from my credit report as well.
Consumer complaint received 2021-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

I refinanced my property with Rocket Mortgage in XX/XX/2020. I submitted proof of my home hazard insurance at the time I submitted the loan paperwork. I have never fallen behind in any way, shape, or form on my home hazard insurance. ( I have had automatic payment for many years. I have NEVER had " expired '' home hazard insurance. I have purchased my home hazard insurance from the same insurance company for the past 16 years. ) I received a letter via postal mail only ( not via email and not via my online Rocket Mortgage account ) informing me that Rocket Mortgage records " show that your hazard insurance has expired, and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. '' The letter continued, " The insurance we buy : May be significantly more expensive ... May not provide as much coverage ... '' Why would Rocket Mortgage only send this important information via USPS mail? Why would Rocket Mortgage not have reached-out to me via email and my online Rocket Mortgage account asking for proof of insurance? Is it because they were hoping I would not open their letter sent only via postal mail so that they could " gouge me '' with high-cost, low-quality hazard insurance? 

I responded within 24 hours of receiving the snail-mail letter from Rocket Mortgage by downloading a copy of my hazard insurance ( which was NEVER expired ) via the web address they provided for this purpose. 

My previous mortgage provided did not require annual proof of my home hazard insurance, so Rocket Mortgage 's letter and action took me by surprise. Rocket Mortgage never told me during the refinancing process to send a copy of my home hazard insurance each time it was renewed. If this information was included in " the fine print '' of the loan paperwork, I did not see it. 

I wonder if Rocket Mortgage takes this approach with all of their customers, or could my age and XXXX have played a role in my receiving this letter? 

I hope that CFPB can " shine a light '' on this process. Does it seem predatory from your perspective? 

Tip for others : During the loan process the Rocket Mortgage loan officer I was talking to spoke quickly and said several times that my loan interest rate would be " 2.9 % '' When I saw the paperwork, it was actually 2.99 %, almost a full percentage point higher. I realized at the time that he could defend the difference between what he said and the paperwork by saying I mis-heard. Watch-out for any telephone-based quotes that end in " .9 '' -- ->Check the paperwork to see if the interest rate is actually " .99 ''. I have a hunch this is a common " bait & switch '' ploy " XXXX people in '' using .9 on the phone and then switching to .99 on the paperwork...
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (NC)

Debt collectors keep contacting my family members, announcing to them that they are debt collectors, and that they are trying to reach me. I have emailed them, but they continue to contact my parents, even though I am over the age of XXXX.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation ()

I had a mortgage for with XX/XX/XXXXa subsidiary of SWBC, which was closed on XXXX XX/XX/XXXX after the sale of my home, XXXX XX/XX/XXXXXXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX I had notified them of my new address, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX, XXXX to send the escrow balance check for {$13000.00}. 

After 1 months of waiting and still no news of the check I started inquiring and finally on XX/XX/XXXX, after going through long hold at the end of a telephone and web inquiries, it was determined the cheque was mailed to my old address where I do not reside. I had mail forwarding till XXXX, so even if the check was sent to the old address I would have received it. Finally, I was told on XXXX another check was sent to my new address, but I am yet to receive it and currently unable to reach anyone at XX/XX/XXXX either via email nor phone. It is out of desperation that I am reaching out. 
Impacted by the COVID crisis I lost my job, which led to me selling the house, hence not in a great position. I need this money badly, hence requesting a wire transfer with a compensation for the agony these guys have put me through.
Consumer complaint received 2021-09-19
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 — Investigation took more than 30 days
Company: Cornerstone Holdings, Inc. (AK)

I have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sct ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2021-09-19
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. (TX)

SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.
Consumer complaint received 2021-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

XXXX XXXX XXXX, XXXX is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This XXXX XXXX XXXX, XXXX is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft. 
I would like to know why is XXXX XXXX XXXX, XXXX trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (SC)

I have 5 total student loans reporting to the credit bureaus. 3 of the accounts have open balances ( {$2100.00}, {$3600.00} and {$1000.00} ) and are currently in forbearance. FedLoan Servicing reported 2 missed payments for each of the loans at 90 and 120 days late for XXXX and XXXX of XXXX ( totaling 6 late payments ). I have disputed this error 19 times with FedLoan and with all three credit bureaus and they will not correct the error. 
From XX/XX/XXXX until XX/XX/XXXX those loans were in deferment. I have sent over the relevant documentation proving that the accounts were in deferment ; however, FedLoan continues to verify the information as accurate. A Representative from XXXX advised me that " XXXX '' reports whatever information that the creditor provides and they will not change it. I have the payment history from the US Department of Education showing the dates that the accounts were in deferment. 

I also have two other accounts serviced by FedLoan that were included in a Chapter XXXX Bankruptcy on XX/XX/XXXX ( Dated XX/XX/XXXX and XX/XX/XXXX ) .The accounts were discharged in XXXX of XXXX and currently show paid and closed by XXXX. When I disputed this error they verified the information as accurate to XXXX  AND further reported incorrect information. The accounts are now reporting as Bankruptcy for XXXX and XXXX which resulted in my credit score dropping tremendously. This occurred on XX/XX/XXXX. I called and spoke to several Representatives at XXXX and they advised that they would submit the information to FedLoan for verification.

I have also sent disputes to FedLoan regarding these isses and have not received a response.

I have spent lots of time and energy trying to get this resolved. I have been denied credit because of these errors and I am not able to get descent rates because of the decline in my credit score. This can NOT be legal and MUST be stopped.
Consumer complaint received 2021-09-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The nature of the complaint is based on a failed fiduciary responsibility by Citizen 's Bank ( XXXX XXXX and XXXX XXXX ). Additionally, real estate specialists XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX ( XXXX XXXX XXXX  ) in conjunction with the aforementioned financial institutions did not exhibit sufficient professional competency. A gross lack of professional expertise wa s displayed in this faulty real estate transaction between XXXX and XXXX. The property in question is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. I, XXXX XXXX, was adversely effected by excessive delays, unethical practices and manipulation as it relates to the closing date ; this was orchestrated by Citizen 's Bank and the associated real estate agents. Supporting information : I signed a sales contract in XX/XX/XXXX in which I obligated myself to be ready, willing and capable of purchasing the property at XXXX XXXX XXXX, XXXX XXXX MI XXXX. The XXXX family, ( father and son ) also signed the same sales contract obligating themselves to deliver their title interest to me upon my satisfactory completing of my contract ual obligations. XXXX XXXX, representing the XXXX XXXX  XXXX XXXX. Of XXXX XXXX XXXX, XXXX, MI XXXX was/is the listing agent. On XX/XX/XXXX, he decided to withdraw from the real estate just before closing, sighting the long delays between responses with XXXX XXXX as his reason for not finishing. In addition to the physical work required to bring the su bject property up to city code, I spent hours, personal resources ( including but not limited to monetary value ) and had the help of many supporters in this real estate transaction which benefited the XXXX family and Citizen 's Bank. The value of the property at XXXX XXXX XXXX XXXX was substantially increased at my expense. I was forced to seek legal assistance, via a mechanical lien, to acquire partial compensation for the energy and money I put into the property. Your investigation into this matter is requested. Thank you for any assistance youre willing to provide.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00}
Consumer complaint received 2021-09-19
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim 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 to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission identity Theft Affidavit. Please delete the items a soon as possible.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

I received a credit report showing a new inquiry from Amex I never applied and received a Amex card. I contact Amex was informed there is no account under my name. The inquiry knocked 80 points off my credit score.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cullimore & Coleman, PLC (AL)

The apartment complex named : " XXXX XXXX XXXX XXXX '' is attempting to falsify and report negative information on my credit report. 

I have NEVER lived in this apartment, never signed a lease or etc! I am being told to pay {$1700.00} I am being harassed and DEMAND for this to be removed. 

Apartment name : XXXX XXXX XXXX XXXX Address of apartment : XXXX XXXX XXXX XXXX, XXXX AZ XXXX The Creditor : Cullimore & Coleman, XXXX XXXX XXXX XXXX XXXX AZ
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I tried to call Wells Fargo on Saturday XX/XX/2021 to close my account. The representative who I spoke with would not close the account, and gave me a difficult time. He repeated a statement regarding a third party several times, and would not assist me with closing the account. My wife was in the background assisting me, but I did not give him permission to speak with her regarding the closure of the account. I feel like this is a delay tactic that this bank is using. They make it very difficult to close accounts. 

I want this account closed immediately.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC has been sending me communication that can be easily opened to my email. I have requested that stop calling me now they are emailing constantly. I just clicked on the link, it took me right to my balance all my personal information. I have been a victim of identity theft. I can not confirm they are all my charges. I also don't like how all my personal information is available without any type of link confirming it is me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-19
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. (NY)

I, XXXX XXXX, Id declaring that I am the one submitting this complaint and there are no third parties involved. I fully aurhorize Transunion all necessary corrections I am demanding. As a consumer and natural person as define by 15 USC 1692a ( 3 ) my rights and privacy has been violated with numerous accounts on my consumer report that is in connection to identity theft and fraud. I immediately called Transunion and was informed I had to file a FTC report ( FTC # XXXX ) and sent it to Transunion via USPS, certified Mail # XXXX. I mailed it on XXXX XXXX. USPS confirmed my correspondence was received on XX/XX/2021. Transunion still has not removed the fraudulent accounts. They are violating me as a consumer and federal law by removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 9 days and the fraudulent accounts are still on my reporting. My score has dropped over 100 points due to this. Ive satisfied all the requirements pursuant to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of { {$1000.00} } per account being reported after the 4th day of receipt of my dispute. There are a total of 15 accounts illegally being report after receipt of my complaint, totaling { {$15000.00} }.
Consumer complaint received 2021-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper was the loan servicer. XXXX XXXX I applied for loan modification. I keep looking at website for update. I called in XXXX and they said it was still being reviewed! I looked today and its said its under review! However I received a letter that its been sold to another mortgage company! 

This should be unfair! Im waiting on a loan modification and they just sell the loan.