davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Wise Recovery Solution LLC (NJ)

An account is being shown on my credit report as negative and delinquent, when it's been paid off for nearly 3 years. It was a XXXX XXXX card that was lost, and forgotten about. Eventually it went into collection unbeknownst to me. Once I was contacted by a collection agency, I paid it off immediately. The collections company is not listed on my report, so I have no way of contacting them. How long does my credit need to be punished for this? It's been long paid off. I have never missed another payment on any credit card or loan in a very long time. I'm climbing out of a credit mess, finally with good credit, yet this is still holding me back.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (GA)

I have reached out to XXXX XXXX card on several occasions asking to remove the account off of my credit bureaus. The account has been paid for over a year now and they refuse to remove it off my credit report.
Consumer complaint received 2020-07-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NV)

I began an IRRRL in XX/XX/2020 with XXXX XXXX in XXXX, California. 

Following closing of my previous loan with XXXX XXXX Mortgage, I was to receive XXXX months without a payment. 
I left town to visit my sick father in XXXX ; my mail was forwarded to my father 's address.

I received a mortgage statement from New Rez Mortgage stating that I owned for XX/XX/2020. 
I contacted my loan officer and informed him of this, then his boss.

I never received the " promised '' amount from my escrow account.

I found out later that New Rez used part of my escrow refund for some other purpose ; not acceptable. 
I contacted the XXXX XXXX XXXX in Florida, I advised something was a miss with my loan processing. 
According to my records, my escrow balance was {$980.00}, but only received {$280.00}. 
It appears that while my XXXX loan was processing, my lender sold it to New Rez ; I was never made aware of this.
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

This is the second time I have filed a complaint with the CFPB regarding Wells Fargo Dealer Services ( WFDS ). This is also the second time I have made a monthly car loan payment to WFDS. The first complaint filed was regarding WFDS improperly applying my monthly over-payment as a payment carry-over ( held as a reduction against future payments ) instead of a direct pay-down of my principle owed. Last month, after my complaint to CFPB WFDS made a payment reversal and correctly applied the payment. This month, WFDS is incorrectly applying my payment again. They are capping my monthly payment and treating the amount over their cap as a payment carry-over to future payments instead of a direct pay-down of principle owed.

I received a call from WFDS shortly after my first complaint and requested that all future over-payments made to the account be applied directly to outstanding principle owed. WFDS agreed to make the correction but said they can not promise it would not happen again. It has occurred again so I am filing another complaint. I will continue to do so until WFDS correctly applies all future over-payments as direct pay-downs of principle owed. I also received a letter from WFDS indicating that someone from the " WF Office of the President '' would contact me. A representative reached out to me and left me a voicemail with their contact information. I have called the WF representative back twice and left two messages with ways to contact me. To date I have not received a call back. 

Thank you in advance for any help you can give me.
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

on XX/XX/219 got a letter from XXXX XXXX indicating they are unable to re-insert my 2 accounts XXXX back into a bureaus as required by law. see attached.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

I purchased an item online at Best Buy in the month ofXX/XX/2018 for {$360.00} but I canceled it because it was delayed for over 10 days. After a few days I received my refund for {$360.00} and then I checked my online statement and I was charged again for the same price for a transaction date on XX/XX/XXXX but I never made another transaction for the same amount. I called Best Buy and first they said it will be fixed in the next month statement. In XX/XX/XXXX I saw the bill again and I called again and Best Buy said I made a second transaction but I told them I never did a second transaction for the same price and they said they will fix it. I called after a week and Best Buy said I need to pay the bill and I canceled my Best Buy account.

Below are the details for the transaction : EXPIRATION DATE XX/XX/XXXX126 Days Left PROMOTIONAL BALANCE {$360.00} NO INT W/PYMTS FOR 06 MOS ORIGINAL TRANSACTION AMOUNT {$360.00} TRANSACTION DATE XX/XX/XXXX DEFERRED INTEREST {$9.00}
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a letter served to my residence by our local sheriff department on behalf of Midland Funding,  LLC ( a debt buyer company ) that received a credit card debt from XXXX XXXX XXXX. I attempted to repay after having a hardship ( XXXX XXXX XXXX ) ..when I was able to pay I called to pay off card. I asked when my available credit would be available after payment I was told the card had been closed. I was not notified at that time and immediately after then I began hearing from debt collectors. Now I have received a letter to come to court. I don't have proof of my phone call with the company but how can i combat this. This debt has been sold off and now the other company is coming after me.
Consumer complaint received 2020-07-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (AL)

I called GM financial on XX/XX/20 after seeing they put a charge off on my credit report. I called them and asked for information about the charge off. I wanted to know the amount they resold the vehicle to, and more details about the sale. I told them I wanted to know how they came up with this charge off amount. They rudely told me it was my job to update my address for this information and that they couldnt give me the details. That they can only mail me the charge off amount.
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was XXXX from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (NC)

I began noticing tech schemes with internet access which carried over to the banking account by transfer managers of micro-management February 4th-5th, 2019 concerning e-billing. It's happen before in 2018, so I got very suspicious of the act because it involved a banker releasing private information. I was notified that I was possibly affected once before by the Suntrust Bank Team, but  never compensated for it and they just covered it up. This time they authorized a payment I didn't authorize and it was in dispute with a the corporation. Provided that terrorism, corruption cases, money making schemes, environmental health & safety could be at risk I asked Suntrust not to get involved with the payment process. Suntrust fraud team member XXXX agreed it was not to processed, I should not concern myself about it as long as I didn't authorize the transaction. They paid the over charges from the account causing the account to overdraft and now they expect me to cover the cost of something they did without my permission before inquiring of the bill. That's not how e-bill suppose to operate. I'm currently in the process of stopping the payment they caused, and it's in XXXX going on XXXX. Which will cause over drafting for the following month.
Consumer complaint received 2019-03-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (SC)

In the beginning of XXXX and XXXX I sent two certified letters disputing this account. The first one I didnt get a response to. However, on the second one I received mail from the company stating that they validated the debit and enclosed I could find a copy of the contract that I signed. The contract didnt belong to me it actually had someone else name on it a man who didnt even live in my city and town. This has caused me to be turned down from trying to purchase a home Ive disputed this account since the beginning Ive sent letters to them and the credit bureau for them to remove this from my credit file and they wont this is unfair and should be resolved immediately
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to fix my credit ever since I was released and learned about this mess. Court records clearly states that my identity and information was being used by someone else starting in XXXX and the guy got 30 years for fraud in XXXX. I was incarcerated from the end of XXXX to XX/XX/XXXX and its very clear that it was not me ruining my credit. Please take a extra moment and look into this.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Block and remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXXXXXX XXXX XXXXXXXX Date Opened XXXXXXXX XXXX XXXX Balabe : {$11000.00}.
Consumer complaint received 2020-11-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo illegally put me into forbearance when I never requested it. I asked for information about the program but I never wanted to be in forbearance. The email they sent me said " Note : If you find that you dont need this short-term payment suspension, please continue to make your normal payments. '' At that point Wells Fargo refused to accept my payments because they put me into forbearance. 

6 months later I am still receive mail from Wells Fargo about my " request to end the suspension of payment '' and being told to call the collections department. My loan is currently due for XXXX.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Flagstar Bank didnt pay the homeowners insurance policy in XX/XX/XXXX and I was canceled from my homeowners insurance policy. I was never notified that I didnt have coverage and now its impossible for me to find coverage because there is a four month lapse. My homeowners insurance is escrowed into my account. Now its XX/XX/XXXX and they continue to collect escrow even after they didnt pay the policy. Ive tried calling Flagstar about this on several occasions and no one is getting back to me. Ive left messages every time to get this issue resolved.
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC (IL)

. I have a loan which is now settled with Opp Financial. I would like for Opp Loans to just reflect my credit report as such. Ive called in, file disputes and they keep updating my credit report as file remains, although it has a XXXX balance. As I paid on the loan amount, it never reflected in my credit report they just kept reporting it as past due {$970.00}. I really just want them to update my credit report so I can move on from this! They blame the credit bureau for the delay in reporting but the credit bureaus say they submit the info as soon as they get it. I have the letter reflecting the {$0.00} balance. I submitted to XXXX. Why do they respond that the account remains as is with {$970.00} due. Opportunity Financial, please just update my file. Please!
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (PA)

An attempt was made to submit a REQUEST FOR LIEN RELEASE to Citifinancial 's Lien Release Dept. I made contact via their recorded message line at XXXX ( dead end ) AND followed the instructions to submit an emailed message with attachments to email : XXXX ( another dead end - message " returned as undeliverable '' ). 

The following information was submitted for a " release '' draft from their Citifinancial office to perfect title of property burdened with an open Mortgage originated with XXXX XXXX XXXX XXXX on XX/XX/94. 

PROPERTY ADDRESS : XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX & LOT/Parcel # : XXXX CURRENT OWNER : XXXX XXXX FORMER OWNERS/BORROWERS/MORTGAGORS : XXXX XXXX and XXXX XXXX ( wife ) MORTGAGEE : XXXX XXXX XXXX XXXX ( Now Known As CITIFINANCIAL ) *See attached Title Search for copy of Mortgage and last recorded Deeds of record.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

This company bought an old debt from XXXX, changed the date to say XXXX, and then proceeded to add interest charges each month, increasing the balance and adversely affecting my credit scores. I contacted them about the the date that it was not the date that the debt occurred that it has been nearly 7 years and they said they can use the date they bought the account, sell it to a sister company and then buy it back and continue on with a new start date for as long as they wish and they are allowed to charge interest even though it went through court already the judge ordered no interest rates to be added to the debt because it was so old.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is in violation of my Freedom of Information Act right by refusing to provide me with my account information in their response to request of Public record in their letter to me dated XX/XX/XXXX by a response that the Regulatory Complaint Team had done a comprehensive search to find detailed information about my account number XXXX and information from the predecessor bank, XXXX XXXX account number XXXX when it was requested that it be in compliance with the California Public Information Act ( Government Code 6250 ). The information was requested for the purpose of records and explanation request made in CFPB case number XXXX XXXX submitted on XX/XX/XXXX. In the letter dated dated XX/XX/XXXX, signed by XXXX XXXX, Resolution Specialist he  claims no available information is located ansd outlined in their response. This conflicts with the testimony given to XXXX Police Officer XXXX XXXX in XXXX 's Police Report number XXXX. XXXX XXXX XXXX  contention conflicts with the statement made in tthe report by XXXX XXXX, Director of the Intelligence Information Unit is that in order to receive the information regarding the account would be through submission of legal process. 
I am requesting the information be made availableas soon as this request is received. A dispute involving this account in the mishandling and representation of the debt owed and presented iib the original filing of the case by Bank of America 's representatives, XXXX, XXXX and XXXX in court case XXXX in XXXX Superior Court ' recording originally  heard in XX/XX/XXXX, and.resulted in a judgement for the plaintiiff and was entered on XX/XX/XXXX and included a claim of title of a XXXX XXXX XXXX HIN number XXXX and a XXXX XXXX XXXX. License Plate number XXXX which is alleged to account for the debt of {$32000.00}. The judgement in this case was amended by the court when the.court required Bank of Ameeica return to court after removing the title of the vessel and trailer. Bank of America possessed no documentation that such collateral was included in the installment loan. The. Abstract of Judgement was provided by XXXX Superior Court to Bank of. America as amended on XX/XX/XXXX with the judgement as XXXX XXXX, as an individual. This was never a secured loan and no title was involved.. No record was ever provided to me to clarify that.this court action took place and is interfering with an accurate accounting of what actually happened. I am requesting the records involving the mishandling and misrepresentation of the installment loan contract.by Bank of  America and to be addressed as a violation of my FOIA right.
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paypal Holdings, Inc ()

Hi Today XXXX XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX stating that I owe XXXX with Ref PayPal I contacted PayPal immediately and they confirmed that I dont owe anything or have unpaid or overdue payments or transaction with PayPal at present time and day. PayPal admited that they do business with XXXX Debt Collector .I asked to get in touch with one another to inform each other that my account is clean. PayPal said since my account is clean they cant open an enquiry or dispute unless theres a payment issue, which is not at the moment. I dont know how to deal with this mistery debt.. 
Please reply Regards
Consumer complaint received 2019-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NJ)

XXXXXXXX XXXX reported me 30 days late, even the the loan was paid off on XX/XX/XXXX. I had spoken to them in early XXXX and was told that, as long as the payment was sent on XX/XX/XXXX, it would not be late. I knew the home was closing and would be paid in full. Despite what they told me, they have reported me late to the bureaus, but NOT reported the loan as being paid. This is ruining my credit and my ability to get another mortgage. XXXX XXXX payments were ALWAYS on time. I spoke to XXXX on XX/XX/XXXX and asked for a supervisor 6 times. She would not allow me to speak with one. XXXX XXXX needs to contact the credit bureaus and remove the late payment, and also report this loan as paid in full.