davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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: Freedom Mortgage Company (MA)

My wife and I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting that Freedom Mortgage has made " hard inquiries '' into our credit file, without our consent. 

The company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX we connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded line. 
XXXX confirmed the problem was real, and it had been happening to others. 
XXXX state XXXX  sold them our social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, although he never ever took any further calls, or return voice messages left. Attempts to reach him were un-successful. On way call made to the company, XXXX spoke to me through a CS representative, whom he advised and it was repeated over/over, he could not take my call, that he was in a meeting. Yet he spent over 20 minutes repeating this to the CS that tried effortless to get him to take the call. 

After checking back with the credit bureaus suddenly the inquiries disappeared from XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified his self as a sales Manager named XXXX XXXX, who said he too would look into, and get back with me. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either.
Consumer complaint received 2022-03-08
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. (LA)

since XX/XX/2021 I have been trying to get Equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 

accounts being dispute XXXX XXXX Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00}
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

NOTE : THIS COMPLAINT WAS PREVIOUSLY SUBMITTED TO " WELLS FARGO HOME MORTGAGE '' ( CFPB # XXXX ) AND IS CURRENTLY BEING SUBMITTED TO : " Wells Fargo Home Mortgage '' IN EVENT THIS ALTERNATE LISTING IN THE CFPB DATABASE IS THE CORRECT ENTITY TO ADDRESS THIS ISSUE ============================== Hello. Attached is a copy of my most recent mortgage statement dated XX/XX/2019 which references a reinstatement amount. ( Attached - PDF Reference 1 ) I have the ability and am prepared to make such payment in a single installment to being this loan current, although such action requires an updated quote from you. ( Attached PDF - Reference 2 ) Additionally, the mortgage statement makes reference that this amount consists of unpaid advance disbursements but does not fully itemize these amounts. ( Attached PDF - Reference 3 ) This property was subject of a foreclosure sale by Sale Committee on XX/XX/2019, although the report of the Committee has not been marked for judicial consideration ( potential approval ) until XX/XX/2019. 

Finally, there appear to be irregularities in the conduct of your legal counsel within this process with respect to Connecticut General Statue 49-31s regarding the concurrent filing of motions for default and judgment upon non-appearing parties. 

Such concurrent filings might be permitted for instances of abandoned or unoccupied residential buildings, however despite the repeated placement of " XXXX - Vacant '' stickers on an accessory ( storage/garage ) building on the property, there seems to exist no other evidence or rationale to think that this single family home actively occupied by the mortgagor ( me ) had somehow become abandoned property. 

Given the deficiencies in service and process upon me which resulted from this ( apparently ) erroneous application of the accelerated timeline, I ask for ability to reinstate this loan and request such calculation of the reinstatement payment amount in accordance with Connecticut General Statue 49-10a. 

Such payment would be made direct to your organization in single installment within 3 business days of receipt. Please provide wire transfer information ( or alternate remittance instructions ) in your response. Thank you..
Consumer complaint received 2023-01-31
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. (TX)

I am challenging an account that Experian is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Experian last month informing them of this, but my request fell on deaf ears. I do not believe that Experian started an investigation. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Experian reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Experian. Also, Experian is not reporting accurate information. The status says paid, 60 days late, but the payment history shows different data. How is this accurate? Please see the attached documents and remove the account from my credit report.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (CA)

I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My bank statement dated XX/XX/XXXX to XX/XX/XXXX is {$10.00} less than what my register says. My statements balance to the XXXX every month without fail. If there is a discrepancy, I work until I have found the error so that the statement balances. My statements balanced up until this one. I went over my numbers and calculations at least 4 times before deciding that the error is not on my end. I made an appointment with the bank to have them go over it with me. She looked at my statement and recalculated my numbers 3 times. She couldn't find an error so she decided the error must be somewhere in my past statements. She was totally unwilling to look into the bank 's end of the problem because there are no discrepancies in their statement and my register. So, I came home and dug out every register I have which amounts to app. 2 years. I went over every number all the way back 2 years even though I know for a fact that everything was balanced at the time it came in. Every number matched except for 1 which I apparently wrote down wrong. All of my calculations matched up perfectly with no errors on my part. Somewhere in the month between XXXX of XXXX and XXXX of XXXX, {$10.00} has vanished from my account. I don't know where it is or what happened to it and I have no way of checking to see if the bank made an error. They refuse to look into it because ( 1 ) their technology doesn't make mistakes and ( 2 ) it would be almost impossible for someone to take money from an account because they are so well supervised. I have no clue where the problem lies. What I do know is that I've lost {$10.00} which, I realize, is not a lot of money but on a XXXX fixed income, every penny counts. My only recourse now is to close out this account before I lose any more money.
Consumer complaint received 2018-09-11
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. (LA)

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX   XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP.

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Consumer complaint received 2022-06-15
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-29
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: STERLING JEWELERS, INC. (WI)

On XX/XX/2019, a hard pull appeared on my credit report without my consent or any warning. I went into XXXX XXXX 's at the XXXX XXXX mall in XXXX, Wisconsin. I was looking at rings with my girlfriend. The associate knew we did not intend to buy that day but insisted that I make an account with them. I decided to go ahead and do so. They asked me for various personal information, however, they did not ask me or warn me about doing a hard pull on my credit. I did not apply for a store credit card or any financing.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (PA)

XX/XX/2018 - Sent divorce decree awarding me the property and deed as recorded in courthouse. 
XX/XX/2018 - Paid my mortgage in full XX/XX/2018 - Bank sent escrow overage in the names of me and my ex-husband XX/XX/2018 - Spoke with XXXX and told her the problem XX/XX/2018 - emailed information regarding property to XXXX XX/XX/2018 - faxed same documents to where I was directed at XXXX XX/XX/2018 - mailed same documents to Ditech, LLC, Attn. : correspondence, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2018 - I received a letter saying their " research has not concluded. '' and of their " ongoing investigation. '' I've called several times to no avail. 
XXXX XXXX - Spoke to XXXX. She said she would escalate XXXX - XXXX. - Spoke to XXXX. Said he would escalate XXXX - Spoke to XXXX who is going to escalate. They offered to direct deposit into my account if I would give them my account number and routing number. I don't trust them to do that. I asked that they overnight a check. Refused. I asked for a manager. They said none are available. Help, please.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX : call XXXX to make payment/ the automatic service gives you an amount and past due date. We consumers PAY what we hear. Then next month a bill with past due fees! On XX/XX/XXXX I called to pay bill. Again give me an amount with past due date so 1/ manager XXXX is telling me that she is not able to give REAL amount due with interest at this time and the amount due is the one given by automated service.therefore I will be billed a late fee plus interest.not able to give me real amount to end those late fee and interest. 
2/ the XXXX store will not accept an amount more then what we hear over the automated service.therefore the cycle repeats and late fees and interest next bill I am making a complaint about undisclosed real amount due and taking advantage of consumers with these above procedures
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

Today XX/XX/2023 I keep getting a wrong address error when trying to use my visa gift card. I am using the same address as my first purchase which went through fine. I tried their website but says to use my shipping address which I am, their toll free number is all automated so I can't get help!!
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Onity Group Inc. (NC)

PHH Mortgage sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new company, XXXX XXXX, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.
Consumer complaint received 2022-03-08
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX acounts on my TransUnion credit report that shows XXXX XXXX # XXXX show 60 days past due but it has been paid off and closed. The Status should say Paid off and closed instead of 60 days past due. The other account is XXXX XXXX XXXX is showing the same thing. Pay status should show paid off and closed as wel
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There 's XXXX judgements that are supposed to be remove, it was vacated and resolved in XX/XX/XXXX, and XX/XX/XXXX, it was investigated and found paid for. The judgments should not be in my credit report. It 's even posted in my report. Also the fact that I 'm still located at the current address it 's also proof of payment been made.
Consumer complaint received 2019-03-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (OH)

I inherited the home from my mother and it had a loan on the home. I was paying the loan and received a call from PNC after the house was going through probate, telling me they forgave the loan. Then I found out that the bank filed foreclosure saying that my mother had no heirs and the house was abandoned. I was never notified of the foreclosure. I wrote the judge and the sale was stopped. Since XX/XX/XXXX I have been working with PNC to lower and work out payments but they still send everything in my mothers name. 
Now on XX/XX/XXXX I found out that the bank is up for sheriff sale again and once again I was never notified of the foreclosure process.and still getting letters from PNC bank saying that they are willing to work out payments with the heir of my mother.
Consumer complaint received 2020-02-01
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: FACTUAL DATA CORP. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response
Consumer complaint received 2018-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.
Consumer complaint received 2018-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have sent debt validation notice and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

however, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

My husband and I were thr victims of a fraud scam. He received a phone call on or around XX/XX/XXXX from someone identifying themselves as a member of Navy Federal fraud department stating they found some suspicious activity on our account. They were able to add themselves as a linked member to our checking and gain access to our checking and savings account. They transferred {$10000.00} to our checking and did a withdrawal of {$3500.00}. We immediately called navy federal back directly who informed us that this was a scam. We went I to navy federal and opened a new checking account and transferred all remaining funds to a new account. Navy federal stated they would do a fraud investigation but to date, we still have not been contacted and our compromised checking account is still sitting at a negative balance of over {$1500.00}. Navy federal did not reach out to us at any time to verify that we linked someone to our account and the transfer of funds was not made by us. How can someone else transfer funds out from a different location in such a large amount without getting a legitimate fraud alert to approve the transaction first. Navy fed also held a direct deposit that came from my husband 's place of employment because it happened the following day after the report of fraud was made.
Consumer complaint received 2022-02-08
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: JPMORGAN CHASE & CO. (NY)

there was {$1200.00} charged by XXXX on XX/XX/2021 from my credit card and the same amount from my husband 's card on XX/XX/2021, I disputed the double charges transaction with chase bank, they put temperate credits back to my account. On XX/XX/2021 there were rebill charges of {$1200.00} from my account, they said it was valid transaction so I re-disputed it for this charge, until today the merchandise still did not receive the return of chargeback as well. on XXXX XXXX the dispute letter from chase bank confirmed it was a valid transaction and I do not qualify for full refund.