davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

On XX/XX/XXXX I spoke with XXXX # XXXX of Loan Care and she made me aware that Loan Care had not credited one of three payments made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since loan service transferred from XXXX XXXX. 
I have since sent 3-4 letters with attached letters signed by my banks managers showing that that the payments due were sent on time through that banks XXXX XXXX XXXX billpay system to LoanCare. In XX/XX/XXXX I took a deferment offered to Florida hurricane victims and did not pay in XX/XX/XXXX. I made up that payment with 2 payments in the first week of XX/XX/XXXX. The attached documents support all of this and that my payments should be current in LoanCare 's system. 
In speaking with LoanCare reps on the phone their attitude seems to be that I have to figure out what they did with the payment that was made but they claim was not received. 
LoanCare has continuously dunned me with multiple demands for payments and late fees and also calls practically everyday. I have been forced to ignore the calls and letters and just make my payments on time otherwise. I need an accurate accounting from LoanCare, reversal of inappropriate fees and charges and credit repair due to their false claims and inaccurate reports to credit agencies. Thank you for whatever you can do. This appears at bottom to be an attempt to force me into foreclosure as a way of stealing equity that i have accumulated.
Consumer complaint received 2023-04-06
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2023 I received an alert from credit sesame saying I had a new credit card inquiry! I immediately pulled up my credit report and it shows on my report that I inquired about a Lowes credit card. 
I immediately contacted Lowes fraud department and I explained to them that I had not applied for a credit card and that they should remove this account off my credit report! The lady explained to me that they need to take measurement to make sure that it wasnt me! She ask me to verify my social security number and I did and she told me that this is totally different from what she was looking at and then went on to say that I need to contact transunion and let them know that there is an inquiry on my credit report and that it doesnt belong to me! Now, I contacted the XXXX credit bureau and they told me that they can just remove anything without contacted you and making a report and to print it out and send them a company of it! 
Thank you, for your time and patience!
Consumer complaint received 2020-12-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC (TN)

I am having issues with harassment calls from XXXX XXXX XXXX, headquartered in XXXX, Tennessee. Before I go on, my payoff amount is {$1000.00}. This complaint is in regards of the leftover {$110.00} amount on my account of this month. I have called this firm before XX/XX/XXXX warning that I am not going to make the full payment but agreed to set up an automatic {$130.00} partial payment on XX/XX/XXXX. The payment went through. Today ( at XXXX XXXX CST ), I got a call from the same firm ( " spam risk '' on the Caller ID ) demanding the other {$110.00} through an automatic payment and I told them Saturday. However, I was told that I can call to make the other payment at any point that I am ready, but I did not appreciate this sudden harassment that my bill is two days late. I was also told previously that if I needed to make another smaller arrangement to call before the due date. I am going through hard times with the COVID-19 pandemic ( although I am on Supplemental Security Income ) and do not appreciate this harassment especially as a " spam caller. '' I know that I have the right not to give out my Social Security number to a collector, but their policy is to ask for the last four digits of the customer 's Social Security number over the phone. I do not appreciate this harassment after an agreement was made and I want to ask the company to stop all communication with me and have a heart with people on Social Security. If I got extra money, I would pay more on the principal to get my monthly bills to an affordable rate. I have the right to file for bankruptcy if this company does not want to respect my privacy by not stopping calling me. Thank you.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter.

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being.

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution. 
Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (SC)

I sold a closed on my house on XX/XX/XXXX. When I sold my house, I received the closing statement from the buyer 's attorney that listed the partial claim that was going to be paid back to FHA at the closing of {$35000.00} in XX/XX/XXXX and another one back in XXXX, I am not sure of that amount. But the overall amount that I had to pay back from the proceeds of my home being sold was over {$45000.00}. This was quite a surprise to me. I have contacted Midland Mortgage several times to get an explanation and an itemized printout of all payments, fees, and printout of payment history along with how this amount was calculated. I am just looking into this now because I sold my house. When I signed the one modification in XXXX, I had XXXX XXXX and was XXXX XXXX XXXX for 13 weeks. I was going through XXXX and XXXX for a year and on so many types of medication.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of items that were opened without my consent : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WI)

Our loan is through Caliber Home Loans. This past fall we contacted the company when we knew we would be behind for the second month and requested a non formal payment plan. At that time the representative said that we were not too far behind and our payments were not too much so no action would be taken against and to not concern ourselves with it and to make payments as we could. As things got worse for my wife medically we had to apply for SSI benefits and they are being processed and I have had to take several FMLA days to help her get to appts or to care for her so we fell further behind on payments. We then contacted them for a formal repayment and then a forebarence plan and was denied all options except selling in some way. This was a temporary hardship and normally we would be able to make our payments so if our forebarence had been approved we would not be four months behind and able to continue our payments.
Consumer complaint received 2018-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I had a deposit made by a cashier 's check into my Wells Fargo account of {$2000.00}. The teller entered the deposit wrong causing me to call and question it. Upon calling, I was told that there was a fraudulent check made out of my account. I had to open a fraudulent case on my account. I later found out that teller entered the cashier 's check wrong and it was not a fraudulent check out of my account nor was the cashiers check fraudulent. So, the person who answered the phone also read the transaction wrong and told me there was fraud on the account. I have been waiting to have access to my money since XX/XX/XXXX. Bank states that a copy of the cashier 's check has to be sent out to me first which I have not received. All of this could have been avoided if the teller would have entered the transaction correctly and if the person answering the phone would have had the proper training and identifying the cashier 's check numbers versus regular check numbers.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

XXXX XXXX XXXX, account # XXXX is wrongfully attempting to collect a debt I do not owe.THE ORIGINAL CREDITOR, XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, XXXX AND XXXX CREDIT BUREAU REPORTS.I opened the account in XXXX of XXXX.The payments made for this account were for usage and a XXXX XXXX  XXXX phone.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I wasn't interested, but there was SALES PERSISTENCE. 
F inally he said we will cancel everything and I will not be charged.I kept the same phone number and transferred it to XXXX XXXX.THIS ENTIRE BILLING IS FRAUDULENT! 
I owe nothing.
Consumer complaint received 2018-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (UT)

I was contacted by XXXX XXXX of ARA in XXXX/XX/XX/XXXX regarding a debt, unknown to me. I replied with a letter dated XX/XX/XXXX requesting documentation of said debt and never received further communications from ARA until XX/XX/XXXX when I believe ARA phoned my house and informed my son that they had and read to him my social security number. However, when he requested that the caller identify themselves, they refused. Today, XX/XX/XXXX, I received the same letter that I received 10 years ago, also from XXXX XXXX, insisting that I owe {$15000.00} for a debt that I do know nothing about. Ten years ago when I received this letter, I phoned XXXX XXXX ( now XXXX ) regarding the debt, which XXXX XXXX claims that I hold. At that time, they informed me that they have their own in-house debt collection, which makes XXXX XXXX 's claim highly dubious. I have requested documentation and never received it, and they are persisting in contacting me again which is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CA)

A background check was done under my name on XX/XX/2018 by First Avantage National Criminal File Plus and found a record on my file. 
( DATABASE SEARCH XDB- FLORIDA XXXX XXXX  REGISTRY ) Case Reference # XXXX.
Consumer complaint received 2018-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (AZ)

This company begins calling me 1 day before my payment is due and then continues to call me 6-7 times daily until the balance is paid. I have never been more than 10 days late on a payment and continue to receive repetitive calls each month.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (FL)

In Accordance with the Fair Credit reporting Act Destiny Account # XXXX XXXX XXXX XXXXhas 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 : II also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I found an apartment for rent on XXXX. They made me pay 1 month security deposit and 1st month rent to secure the condo. After I paid the money, they set up an appointment for me to see the condo on XX/XX/10 at XXXX. No one showed up to show me the condo so I emailed my contact, the supposable owner of the condo, and told him no one showed up and I wanted my money back because I thought it was a scam. I emailed him numerous times between XXXX with no response.
Consumer complaint received 2023-01-18
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove the following items that are harming my credit. 
TD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-08-27
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: AES/PHEAA (NY)

there were some strange accounts on my credit report that I have no knowledge of. Ive never agreed to these accounts 1. fed loan XXXX - {$2200.00} 2. US /DEPT OF ED/XXXX - {$1100.00} XXXX 3. US DEPT OF ED/XXXX - {$1100.00} XXXX
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After reviewing my account statements, there are a total of 12 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account.

All 12 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft. 

By Citizens Bank 's overdraft policy, there should not have been {$35.00} overdraft fees assessed for these transactions. 

I have attempted numerous times to resolve this with RBS Citizens Bank  phone support representatives. Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank. Unfortunately, I have been unable to resolve it directly with RBS Citizens Bank.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (GA)

Selene finance took over my mortgage loan XX/XX/2023. I made a payment in the amount of {$3100.00} but when I finally got access to the app they had raised my interest rate from 3 % to 7.1250 % which took my mortgage from {$1100.00} well over {$1600.00} No one at XXXX has offered any documentation as to why this rate was raised. Ive called 4 times and no one has yet to send me the justification on this increase. Please help.
Consumer complaint received 2023-03-29
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. (PA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-01-30
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. (GA)

XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/XXXX