davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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: Experian Information Solutions Inc. (NJ)

On XXXX XXXX, I mailed you a letter disputing inaccurate and past the stature of limitation information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXXXXXX account # XXXX and XXXX XXXX Bank Account # XXXX. As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 35 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto and send me the check to my mailing address listed above in no later than fourteen ( 14 ) days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NC)

Dear CFPB, I opened the small business checking account as Sole proprietor under my SSN with Truist bank. Prior to the account opening, I have existing business checking accounts with the bank as following : XXXX under EIN, and Sole proprietor under another EIN. Each account is separated entity. 

I was denied for their promotion with the reason as : " The Business Employer Identification Number or Taxpayer Identification Number is linked to an existing Truist business checking account and is not eligible to participate in this promotion. '' I have not had a business account with Truist with the same Tax Identification Number or EIN before. Thus, this is very difficult for me to understand their denial reason. Per their term and condition for the promotion : " You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a Truist business checking account within 180 days prior to the promotion start date ( on or after XX/XX/2022 ), with the same Taxpayer Identification Number ( TIN ), including but not limited to an Employer Identification Number ( EIN ). ''
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AXOS FINANCIAL, INC. (CA)

Here 's a quick summary of what I can remember. 
My bank account paid Axos twice on XXXX XXXX. I requested a refund of one payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to Axos to tell them my bank already did an ACH reversal and so we should be ok now. The Axos ' representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX and XXXX payments. I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX 's to low XXXX 's on 2 of my reports. I tried talking to the supervisor on the phone several times with no luck.

They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.
Consumer complaint received 2021-07-26
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. (IL)

Equifax has listed fraud item on my credit file and I need to have that removed as soon as possible. This wrong item ( listed below ) is affecting my credit score and livelihood. Please delete this account immediately. ONLY Equifax has reported this fraud account on my credit history. I been sending dispute letter to Equifax and Equifax has been refused to investigate fraud account by sending ONLY ONE TIME LETTER like account was verified. Its completely destroyed my credit report. They have no proof of fraud account, they can't verify but still reporting. 
Here are the account Equifax has listed : XXXX XXXX XXXXXXXX XXXX Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of application and business records in your control relating to this account and/or transaction.
Consumer complaint received 2021-07-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX I made a large purchase ( {$21000.00} ) split across three different credit cards with XXXX, XXXX, and Capital One. 

XXXX : XX/XX/XXXX - {$1400.00} - XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX - {$4200.00} - XXXX XXXX XXXX  -Documents and information submitted to XXXX XXXX no action performed. 

Capital One : XX/XX/XXXX - {$5000.00} - XXXX XXXX XX/XX/XXXX - {$5000.00} - XXXX XXXX -Documents and information submitted to Capital One, no action performed. 

XXXX : XX/XX/XXXX - {$5000.00} - XXXXXXXX XXXX XXXXXX/XX/XXXX - {$300.00} - XXXX XXXX The purchase was a scam, but I was not made aware until XX/XX/XXXX. The Federal Trade Commission ( FTC ) put out a statement confirming it was a scam, and after speaking with the case representatives, I was told the Creditors/Credit Card companies should take the information from the FTC and remove or waive the debt related to these transactions. 

I contacted each creditor ( XXXX, XXXX, Capital One ) multiple times, with many phone calls trying to talk to someone that could help me. 

-- XXXX offered no help, and after performing an investigation, I was sent a letter of the results. The investigation results that XXXX did was : " Transaction from XX/XX/XXXX for {$0.00} '' It feels like they did not even care. 

-- Capital one shortly removed the transactions from my account, and then put the transactions back with no explanation. 

-- XXXX removed the transaction, and then put the transaction back, stating " The merchant refused to refund the purchase. We are not a law enforcement agency, and we can not do anything else. '' I provided the full legal documents from the settlement by the FTC and none of the three creditors could assist me. I am now being told my account will be closed, and the debt will be considered 'bad debt '.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (NY)

Receivables Performance Management is a scam company. This company calls 4-5 times perday looking for my mother who lives 500 miles away. They are rude, and threatening and they didnt even know my mother was female when they first tried to reach her. They do not give any information and sounds like its a scam. I have repeatedly told them to stop calling me and they continue by changing the number. I have told them that I am not who they are looking for and they are rude and hang up on me. When you go to leave a message its classic scam tactics the Voice mail is full and cant accept messages, and they then block a return call. If they don't stop I will sue.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

Back in XXXX thru XXXX I had multiple over charge by the Wells Fargo company. XXXX in XXXX instance they returned the {$35.00} fee 5 days later causing me to have a negative balance
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TX)

World Finance XXXX  continues to update an account as negative on my personal credit report after they have received payment and considered the account paid and closed. The have now, listed the account twice on my credit report cause unnecessary damage to my personal credit profile.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that XXXXhisSIMONS AGENCY INC was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-07-26
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. (IL)

Experian has refused to send me information stating that said accounts belong to me although I have requested the original documents stating I signed it. Most of said accounts on my credit report with experian are fraud accounts and no way can be verified. These acts by Experian obviously not properly investigating these accounts are preventing me from obtaining credit and therefore violating my civil rights.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024, I entered into an agreement with Bank of America regarding a past due credit card. I had explained my hardship to the firm multiple times and explained that my intent was always to pay the card and keep the account open. The agreement on XX/XX/2024 was to enter into a reaging program that required me to pay {$290.00} per month for a set period of time. The rep scheduled my account to auto draft every month for the agreed amount. In return my account would remain open and after a set period of time of making consecutive monthly payments, Bank of America would re-age my account and bring it current and waive any additional late fees incurred. 

I recently got a notice from one of my credit monitoring alerts that my Bank of America credit card account was closed.

This was disturbing news as I was under the impression that an agreement has been made with Bank of America and they had done otherwise. 

I called customer service multiple times and tried to explain my case and was told that the another department had made a decision and there was nothing that could be done to re-open the account. 


This is very upsetting as an agreement was made and I was holding up my end of the agreement. At all times throughout my conversation with Bank of America I emphasized that my intent was to keep the account open and pay the account down. My account wasn't even over limit. 

I find Bank of America to be very deceitful and unfair with its collection practice on this account.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS Mortgage will not update my account with payments from XX/XX/XXXX and they denied me the ability to make payments via the web service or over the phone.

Specialized Loan Services has continued to not credit my account for electronic payments made XX/XX/XXXX in the amounts of {$4600.00} ( XXXX XXXX XXXX XXXX XXXX ) and {$6100.00} ( XXXX  XXXX XXXX ) ( *total of {$10000.00} ) made electronically to SLS citing my account number via bill pay services from both of these banking institutions. My accounts were debited on XX/XX/XXXX in these exact amounts, however, my SLS account has shown no change. 

I called today XX/XX/XXXX to make a {$9000.00} payment and was denied to make any payments over the phone by XXXX ( teller ID # XXXX ). She would not cite any legal reasons for not accepting payment over the phone. After placing me on hold ( several times ) and referring to her management, I was instructed to XXXX payment by mail to Specialized Loan Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX and given no other options. 

Payments on XX/XX/XXXX in the amount of {$6000.00} and XXXX {$8800.00} were accepted over the phone. All notes on the account should reflect my purpose to become current and make payments towards that effect. There is also an UNAPPLIED payment amount of {$3700.00} against my account which SLS has been requested to apply against the arrears amount, but has NOT COMPLIED.

SLS has consistently 1 ) Denied me the ability to be covered under COVID FORBEARANCE protection without citing specific reasons for denial 2 ) Continually and consistently coerced me to apply for their Loan Modification program, even enrolling me without my consent 3 ) Denied my ability to make payments in a timely fashion through the web or via phone - or otherwise failed to apply payments I have made to my account in a timely fashion to reflect my ambition and purpose of getting the account up to date. 4 ) Misinformed me, mislead me or otherwise misdirected me via their call center and supervisor escalations thwarting my abilities to address my delinquency in a timely fashion. 

If it were not for XXXX XXXX XXXX I would have been railroaded by SLS ' call center staff and supervisors into a Loan Modification program which I did not want. XXXX XXXX of XXXX has been instrumental by being a liaison between SLS and myself. 

PLEASE HELP ME!!! It is clear SLS ' intent was to either enroll me in their Loan Modification Program or to not accept payment and force foreclosure. 

It has always been my intent to resolve the account and bring it current. I have been stonewalled at every attempt to do that when it is not under their loan modification terms.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX  aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this MIDLAND FUND was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Credence Resource Management, LLC (RI)

The company called me several times they first off want you to just verify your address do n't tell you who they are which is a little scary secondly after finding out who they where collecting for and finding out I settled that debt with another collector on XXXX XXXX paying the settlement agreement amount of XXXX an finding out that they had all of this clearly documented in there system from the previous collector an that they still would n't stop contacting an Harrassing me with phone calls and now receiving mail I contacted XXXX which was company they were collecting for an they Said sold them the account and I was told that they did not resell them the account that they should close out the account if they have documention from the previous collector that I paid so I called back I spoke to a XXXX whom spoke over me whom advised I need to send in bank statement to show I paid which I 'm not comfortable doing as they have all of the information I paid an with fraud going around I do n't want my bank info being sent. The debt is off my credit report because I paid the settled agreed amount I just want the phone calls and letters from this company to stop they should n't have my information.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (LA)

CREDENCE RESOURCE MANAGEMENT, LLC with Phone # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, is continuously trying to collect a debt from me that is for a person with the same name as I. We have gone through the process with them of verifying that I did not ever live at the address in question and last XXXX digits of my Social Security Number do not match but they continue to repeatedly call. I have checked my XXXX credit report and no debts show up in collections. As of today they have somehow got hold of my company cell phone number and have called me on again about this debt. Each time they initiate this procedure they act like it is their first attempt to collect this debt. This is not the first time this has happened, I am assuming this company purchased this old debt form another debt collection agency. I had written the prior agency to inform them the debt is not mine and to end all contact. I am assuming this will continuously happen again if I do not report this to the proper agency because this has been going on for over 3 years.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is reporting monthly activity on 3 alleged accounts under my ssn. 2 XXXX XXXXXXXX XXXX  credit cards and 1 XXXX  XXXX credit card! 

This account has yet to be verified after multiple requests to have it verified. Experian states that it is a closed account, so there can not be any monthly activity. This further proves that this alleged account is fraudulent and reporting inaccurate information, which is a violation of my consumer rights. It continues to lower my score when they engage in such illegal activity! 

Do not respond that Im an unauthorized individual when I have attached my id and provided ssn, email, date of birth and consent to investigate this matter! 

This issue is causing my mental anguish, affected my employment and my consumer right to apply for additional financial products.