davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

SECOND NOTICE to comply with my legal request in which Portfolio Recovery refuse to submit the documents to me I requested. Portfolio recovery states the application was electronically submitted please show a photo of it and a IP address to verify that its accurate { thats false }. I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a second notice to your office .The CFPB will have authenticated sworn testimony from my end which I will use to present in court as needed as evidence of my trying to rectify the subterfuge that you are reporting .I have not received confirmation nor certified testimony that your office complied with the FCRA and all it's mandated rules when it comes to reporting accurately under the law.Therefore you are to presentto me with certification in testimony that the alleged account presented in Exhibit C are in fact in complaint and not subterfuge?
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I received a supplemental property tax bill that was due XX/XX/2020 that I attempted to send to The Money Source multiple times through their website, mobile app, and email so it could be paid through my escrow account. I have email records proving that I sent it as recently as XX/XX/2020, acknowledged by The Money Source. 

The paper bill contains two bills with different payment dates. One on  XX/XX/2020 for {$2200.00}, and the other on XX/XX/2020 for {$2200.00} The Money Source 's XXXX XXXX told me by email to call the XXXX department directly, which I did. They informed me that the bill would be paid directly by my escrow account and that it was unnecessary to call them. Regardless, they asked me for the XXXX numbers which I provided and said everything was in order, and I didn't need to contact them further. 

On XX/XX/XXXX, I received a delinquent tax bill requiring an additional {$240.00} because The Money Source did not pay the bill yet and it was late. I provided the delinquent bill by the website, mobile app, and email, and then also called them. I spoke with XXXX from the Customer Care Team ( extension XXXX ), who told me I would be called the next morning by XXXX on his team ( extension XXXX ). 

Both parties confirmed that they could see I sent the original bill on XX/XX/XXXX by email, and that my call to The Money Source 's tax department had been logged on XX/XX/XXXX. They confirmed the call had been recorded, and also confirmed that they had a copy of the delinquent bill I had just sent. 

XXXX connected me to the tax department, and confirmed to them that I had definitely sent the original tax bill on time, and spoken with the tax department earlier in XXXX. The tax department said they didn't pay the bill because it was a supplemental tax bill, and that I needed to call the tax department before they would pay it from my escrow account. I confirmed that I had spoken with them, and XXXX could confirm from her records and was able to verify that all the documentation had definitely been sent. The tax department said they would research internally and get back to me. 

However, the next day, they paid the tax bill - but also charged my account anyways for {$240.00}. They have not responded to any inquiries on refunding the excess charges to my account for the late payment that they made and have basically disappeared / are refusing to respond to my inquiries.
Consumer complaint received 2022-08-28
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. (MS)

In accordance with the fair credit report act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 620 A. States I have the rights 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
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My full name is XXXX XXXX XXXX Fifth Third has incorrectly reported my name to XXXX XXXX XXXX. My name in full above was not reported. Under Federal law, I demand the information be removed.
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

Please send me documents of signed lease because I never rented from XXXX XXXX or anyone at all. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify the account. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days then you must remove this account from my credit report.
Consumer complaint received 2019-01-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

***LOAN FRAUD BY CURRENT USAA EMPLOYEE******NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX  YEAR OLD VICTIMS**** ***XXXX XXXX AND XXXX ( WHO XXXX XXXX   SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** XXXX IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT XXXX   ( XXXX XXXX NOW WORKS FOR USAA AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX   ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT XXXX XXXX, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX Debt Buyer, 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 an account without my written instructions
Consumer complaint received 2019-01-25
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. An identity thief used my personal information without my permission to open accounts and make purchases with Chase credit card. This debt is not mine. I did not authorized anyone use my personal identification information opening fraudulent accounts.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (KY)

I checked my XXXX XXXX account today, luckily. It now shows a derogatory mark on both my XXXX and XXXX reports. Supposedly this is for a {$700.00} debt owed originally to " XXXX XXXX XXXX '' that is in collections from " Midwest Recovery Systems. '' I have never even heard of XXXX XXXX XXXX. After researching online, it appears to be a payday loan company. I have never received any mail, any calls, anything from XXXX XXXX XXXX. I do not need and do not take out payday loans. Additionally, I have never received any mail, calls, statements, etc. from Midwest Recovery Systems. This is not my debt and I am furious it is showing up on my credit reports as I am saving for my first home. This has caused a HUGE drop in my credit score. I have filed disputes with both XXXX and XXXX. It is not showing up yet on XXXX. Please assist. My husband and I have worked very hard to build credit, save for a home, etc. and this is jeopardizing everything we have worked for.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (FL)

I pulled my credit report from XXXX, on XXXX/XXXX/XXXX and XXXX. Wells Fargo has continually reaged a debt monthly that was charged off in XXXX. I had tax consequences in XXXX. They ca n't say a debt is still owing if they have charged it off. I want them to remove the still owing or past due balance. They are also doing this to my ex husband. They have violated the Fair Credit Reporting Act for over 3 years by re aging a debt written off and closed in XXXX. XXXX XXXX was the 180 day write off period. the FDOD was XXXX XXXX. 
I will never be able to get back on my feet if they continue this illegal tactic for both my self and my ex husband.
Consumer complaint received 2019-01-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCS, Inc (IA)

In XX/XX/2018, I had sent the collection company a letter to Validate an account that was appearing on both XXXX  & XXXX credit reports. I had disputed this account with the credit bureaus on numerous of occasions only to get back responses that the account has been VERIFIED but like I mentioned they never VALIDATED the account. The collection agency sent me a copy of a judgment which I wasnt aware of, they never sent me nothing via usps mail stating that they were attempting to collect this debt & lastly I DIDNT receive anything from them stating that they were suing me. After they sent me the copy of judgment is when I searched court records to verify that in fact they not only got a JUDGMENT on this account but that they are also enlisted this very same account as a COLLECTIONS DEBT with the 2 Credit Bureaus listed earlier in my statement
Consumer complaint received 2019-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

I had a Sears MasterCard serviced by Citibank. A few months ago, they charged my bank account ( for credit card payment ) for an unauthorized {$300.00}. This caused three insufficient funds fees in my bank @ {$12.00} each. I immediately reported the error to Sears and to my bank. after a couple phone calls and asking for a supervisor, they finally apologized, sent me a letter and refunded the fees to my bank. However, on my next billing statement, they had charged my card {$36.00}. I also realized they were not deducting my monthly payments from my balance. I called and emailed via the website multiple times to Sears and to Citibank. I found information on the website about Sears closing? It was very shady and vague And when I finally got through to humans on the multiple phone calls, they said they had nothing listed under my name, account number or social security number. After speaking to my bank, I was informed Sears had issued a charge off on my card, thus ruining my credit!! 
this whole thing is shady, fraudulent and unjust. 
Please help.
Consumer complaint received 2019-01-18
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. (AL)

Equifax is reporting information on my credit report that is incorrect and they are not performing proper investigations into the problems.There is an account showing on my report by the name of XXXX XXXX that is incorrect and they will not do a proper investigation on this account.I have called XXXX XXXX XXXX this morning XX/XX/XXXX at XXXX XXXX and told them about the situation. They told me the account was satisfied in XX/XX/XXXX in full. However Equifax is still reporting It as a collection on my report and it is not a collection.
Consumer complaint received 2019-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

I have put in a compliant about a month ago in regards to how Mr. XXXX  ( Navient Solutions ) has called many of my family members before contacting me in regards to my loans with them. Today I have received a call from Mr. XXXX at XXXX. I called him back at XXXX, even before I could get a chance to give him a call back ; he had already called one of my family members before I could give him a call back. This has been an ongoing issue and is very frustrating. I am tired of dealing with Navient Solutions. They want their money but not willing to work with the individuals. They also call everyone in your family before giving the person who is responsible for the loan to call them back.
Consumer complaint received 2019-01-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (WI)

After Graduation from University of XXXX in XX/XX/2007, I received a phone call late at night and was advised they were holders of my Student and Private Loans and need to consolidate. ( I do not recall who the company was that said they were the holders of my loan ) They Gave me 2 options for payments, which I didn't really understand what was going on. XXXX and XXXX then started sending me statements and I have since always made a payment of the total payment, if I couldn't pay the amount I have always sent {$100.00} or more to keep in good standings. I have recently found ourselves over extended and other financial occurrences in our life have taken a toll on our finances, in which I am trying to resolve. XXXX options of assistance after forbearance is not something I can financially satisfy at this time. I have continued to send $ 100- $ 200 month. However they have placed my loans in default and now I am being contacted by XXXX XXXX XXXX who tell me they are the collectors for XXXX XXXX XXXX XXXX XXXX XXXX. They too are unwilling to work with me on my payments or accept a minimal monthly payment. I have to pay at least {$2800.00} to get me out of default and then {$880.00} mo. If I could pay that I wouldn't be in this situation. My other options is to pay {$5000.00} down and $ XXXXmo for 60 months and then deal with increase of payment at the end of 60 months. They have denied me origination paperwork of loans being sold to them or my signature of agreement. This company is ridiculous and hounding and no assistance with working with their customers. I had {$100000.00} in loans for my education in XX/XX/2007, I currently have around {$60000.00}. They are threatening me, because it has been 30 days since they have been in contact with me that they are going to garnish my wages.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2018-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (TN)

I was covered for mental health emergency 's & visits through the government agency called " XXXX ''. XXXX XXXX XXXX at the time of services XX/XX/XXXX for {$940.00} & XX/XX/XXXX for {$1400.00}, didn't know about this coverage. Nor did they look into finding out. Then, when I received the bill, I called to dispute for this reason. Nobody would help. And they did not log my account, that I called. Then I was sent to a collection agency for these 2 bills. Then called the collection agency to dispute, and they said I would have to do so through XXXX XXXX XXXX. We finally gave up, because nobody would help us. Now we are trying to repair our credit report, and they are still refusing to help us and say that it is too late. Please help. I was covered, therefore I should not have been billed for these visits.
Consumer complaint received 2015-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done.
Consumer complaint received 2019-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

XX/XX/XXXX-XX/XX/XXXX- my Wells Fargo business account was drained with 63 individual charges at XXXX  

transaction. There was nothing left, but an overdraft. I attempted to fix the issue- using the phone number referenced on the account. I was told I would be getting a refund due to a system glitch, and they wanted to see the charges from my bank statements. I allowed access to my account, assuming I was speaking with 'billing department '. I had deposited {$650.00} dollars the day before, and {$620.00} dollars was taken out during phone call, with an approved wire transfer from Wells Fargo.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CT)

For three months now I have had to call XXXX XXXX XXXX XXXX because they had a late fee on my account that wasn't accurate. After speaking with them it was determined that because I was paying on the XX/XX/XXXX of the month, it was too early and the payment wasn't being applied to the bill, I worked out with the company that they would apply the payment that was early, that the late fee would be removed and the billing cycle was to be adjusted to allow a payment on the first. Well a month went by and i got another bill, same problem, nothing was done to fix the problem. So i called again and spoke to a supervisor, they ensured and promised me that the problem would be resolved, that the late fee would be removed and the due to the way that everything rolled that I did not have to make a payment in febuary because I was ahead due to the early payment, I followed their instructions, here we are again, another bill with a missed payment because they gave me bad information, failed to follow through on their promises and failed to accurately resolve the issue in the beginning, on the second occasion, on the third occasion, and now I am not dealing with them any more, I need this company reprimanded for this.
Consumer complaint received 2022-08-15
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: AMERICAN HONDA FINANCE CORP (AZ)

I am filing a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received the results of my investigation.