davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXXmy mom XXXX XXXX and left me her home that I was brought up in and the loan was in her name with XXXX XXXX bank I called XXXX XXXX bank to inform them of my mom 's XXXX  they told me I needed to do a loan modification to put loan into my name and have the home deed placed in my name which i did and was approved. I did 4 payments XX/XX/XXXX, XX/XX/XXXX/ XX/XX/XXXX. & XX/XX/XXXX. after that I rec 'd letter stating that my bank sold mortgage to Wells Fargo effective XX/XX/XXXX I made regular payments til about XX/XX/XXXX then I had Tenant issues from the home that I orginally had. I let Wells Fargo aware of my situation then my tenant husband passed away so I needed to evict her due to she could not afford rent that took about 2 months and then finally rec 'd a tenant. I found myself behind in 4 months so I tried to catch up. Then in XX/XX/XXXX/ XX/XX/XXXX Wells Farge asked me if I would like to apply for a repayment option I said yes, 2 months later I rec 'd call from an XXXX XXXX stating my payment plan would not be excepted gave me no amount just told me to start asking relatives for the money owed. I explained I have no living relatives. 
I explained to Wells Fargo t I will do my best to try to double up the payments. I have been making payments until last Month. As of XX/XX/XXXX I was going to pay them double payment they stated I could not make any payments that on XX/XX/XXXX my home has gone into foreclosure, I was devasted I rec 'd no letter, no phone calls, and no e- mails so needless to say I was blown out of the water. I asked why non of these options to contact me were done they stated they do not leave messages nor e- mails but every month I get a reminder when mortgage due. I called to complain to wells fargo and they just appologise. Now the amount owed on XX/XX/XXXX first was {XXXX}, XXXX as of today ; s date XX/XX/XXXX I now owe over {$70000.00} and they will not take a 4 month payment now they want it all in full I am trying desperately to work with them but they are refusing to give any help or assistance. I NEED HELP PLEASE. I don't want to loose my home.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CO)

I was contacted by phone by Barclay Rewards Matercard on XX/XX/2020 about a payment that was due XX/XX/2020 and was not shown as received on my account. I immediately contacted the bank through which it was paid, XXXX. They provided me written confirmation that my payment was received and cashed by Barclays within 20 minutes. I was forced to argue with Barclays for nearly a week until they would provide me with a fax number to send the voided check. That was faxed on XX/XX/2020. In the interim I have been forced to pay an increased payment to cover the money they lost due on XX/XX/2020. They have indicated that their policies allow them up to 25 business days to even investigate the missing money, then another 7-10 business days to process. I have been calling daily to request written confirmation that my money has been located and correctly applied to my account, the interest corrected and fees corrected. It is now more than 30 days since my money was lost and 5 days after I have been required to pay penalties because the bank lost money delivered and cashed ahead of the XXXX due day and I still have no written confirmation that my money has been located. I have been in contact with them on a daily basis. Every day begins with them denying that my money was lost, verbally telling me it has in fact been found and refusing to send me anything in writing indicating that the mistake has been corrected. 
I must insist on something in writing as I am now routed to collections every time I call Barclays which makes me doubt that they have located my payment yet despite having the confirmation number of the transaction and a copy of the check I cashed. 
I am attempting to resolve this as I am completing this complaint form. I am now being advised that my money hasn't actually been found despite them having a voided check since XX/XX/2020. I would like to request the CFPB listen to my telephone conversations recorded by Barclays. They have repeatedly verbally advised my payment had been found and applied and it has not in fact been. I feel as though an attempt has been made to entrap me into a second payment issue. Thankfully I no longer have any trust in this bank and have not only made the large XXXX payment that resulted from the payment Barclays lost but also begun transferring this balance to a bank I have some level of trust in.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MI)

The creditor ( XXXX XXXX ) had agreed to remove the late payments from my account. After 2 months, they still were n't removed. I filed a dispute with equifax and in the process the creditor updated the information and my credit report was updated correctly. 30 days later Equifax put all the negative information back on my report and the creditor had not sent anything new in. I provided them with the mortgage verification showing that I have no late payments and they still want me to redispute the item and wait another 30 days. This is not fair and it 's damaging my credit for no reason.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (MI)

On XXXX, 2019, I reached out to XXXX XXXX XXXX regarding an alleged debt XXXX XXXX is trying to collect for them. After several failed attempts of calling XXXX XXXX XXXX, I found out this company does not exist. I XXXX the business and I called every number that came up and every medical business I contacted stated they have not done any type of billing For this company. Since XXXX I have been disputing these debts with XXXX XXXX and all they sent me was a itemized statement that was drafted up by their company-XXXX XXXX. I asked for proof a dunning letter was sent out and received nothing besides the itemized statement that they drafted up. I also asked for validation of the alleged debt and received nothing besides the statement the drafted up.
Consumer complaint received 2023-07-25
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)

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2016 Chase/XXXX XXXX XXXX XXXX reported my account 30 day delinquent. 
Chase statement was to be delivered electronically. Chase delivered the statement to an incorrect email address. The statement never made it to my personal email address and no paper statement was mailed. When I realized that the statement was delayed and knowing that there is a small balance on my account, I contacted chase by phone and was advised of the issue. I immediately paid all outstanding balance and was credited back the late fee due to the non deliverable statement issue. 
Chase Bank, however, never removed the delinquent mark from my credit report, causing me unfairly a great deal of financial hardship. I contacted Chase several times, in writing and by phone, I also contacted the credit bureau, whom in return notified Chase Bank of the issue. To this date Chase has not removed the delinquency mark from my credit report.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Byrider Franchising, LLC (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account CNAC - XXXX XXXX with an alleged Balance {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2023-07-25
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. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

On XX/XX/XXXX I moved from an apartment complex by the name of XXXX XXXX XXXX. The housing complex absorbed my deposit which was around {$1400.00} and the debt was written off by the original creditor. I was contacted countless times by National Credit Systems Inc.the collection agency that I have to block them. I was surprised for them to still be able to call me just using another line of sorts. I was informed I could write a letter to have them cease communication with me in regards to the collection. I disputed the collection which in the amount of {$3000.00} with both the collection agency and the credit bureaus ( debt was opened listed XX/XX/XXXX ). I've written multiple dispute letters and none of the agencies can provide validation letters of the debt proving them amount owed or if it's even my debt. The collection agency forwarded me only a copy of a lease with what I assume are supposed to be my initials, but there isn't a clear signature. I keep asking for this debt to be closed and removed off all credit bureaus or renting database so that I can acquire housing, but they refuse stating the debt is valid even though they can not prove the debt and amount is even mine.
Consumer complaint received 2018-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (TX)

Note that this complaint is actually about the loan servicer XXXX XXXX ( XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX ) which is servicing the Loan for SecutiryNational Mortgage Company. 

I was on a federal declared disaster area forbearance plan related to Hurricane Harvey for 5 XXXX XXXX loans. These loans did not originally have escrow accounts and have never had an escrow account associated with them. I have records to prove that the insurance, taxes and HOA fees have always been paid on time. When we started the trial period there was no mention of adding an escrow account to the loans. In addition, the trial period payments did not include funds for escrow. Escrow accounts were then added to the loan at some point during the trial period without any notification. I have since brought all loans current and requested that the escrow accounts be removed from the mortgage accounts. XXXX XXXX owns the loans and requires that the borrower be notified during the trial period that an escrow account will be added and that the escrow amount be included in the trial payments. XXXX violated XXXX XXXX   rules in servicing these loans by not notifying the borrower and by not adding the escrow amounts to the trial period payments. I have also contacted XXXX XXXX and they confirmed the violation and they are starting a claim with XXXX regarding these loans. Despite several phone calls and sending in the required documents XXXX is continuing to add escrow requirements to the loans.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

Early XXXX- I set up a {$220.00} payment for utilities to be paid XX/XX/XXXX XX/XX/XXXX - I realized I did not have {$220.00} in my account, but I did have a check from XXXXXXXX XXXX I received in the amount of {$160.00} a couple of days previously. I go to cash the check at a PNC Bank in XXXX XXXX, PA. I get a receipt ( I still have ) showing an ending balance of {$3.00}. I also check my online account and it says the same thing, so I think I am fine, and will not get charged {$36.00} for an overdraft fee XX/XX/XXXX - I get an email saying my account is overdrawn. I call customer service letting them know I have a receipt and on the PNC website, under Account Activity, it shows an ending balance of {$3.00} on XX/XX/XXXX, but for some reason on XX/XX/XXXX I am charged {$36.00}, so my account sits at - {$32.00}. I asked them to remove their money making fee, but insisted it was valid and I now owe them {$32.00}. It's very nefarious behavior to show a positive cash account and then charge an overdraft fee. 
I have only had 2-4 overdraft fees since signing up with PNC in XXXX. I want the fee removed and my {$3.00} back in my account, as it should be. This is not the first time they have not been easy to work with, and I think this is my last time me or my family will do any banking with them *One thing I could have done - cashed the check first, and then put the cash in my account, but I did not think there were going to be any issues after seeing the receipt from the deposit and my online account showing positive at the end of XX/XX/XXXX
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am in a Federally Declared Disaster Area hit by Hurricane XXXX on XXXX XXXX, 2017. My loan serviced at the time, XXXX, told me I qualified for a forbearance because my loan was current and was backed by XXXX XXXX. I was told not to make the next 3 payments and they would be added to the end of my loan, and it would NOT affect my credit. XXXX then sent me delinquent notices, transferred my loan to another company AND REPORTED ME AS 30 DAYS PAST DUE TO THE CREDIT BUREAUS!! My credit score fell 22 points in 1 month because of this!!
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Equifax Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal

of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 21 credit inquiry/inquiries that I did not authorize.

I writing to dispute the following inquiries and asking for their removal from my credit report. The inquires, and proof of my identification, and address is below all of this. 

XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX Inquiry from XX/XX/2019 XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX, XXXX Inquiry from XX/XX/2019 XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX  Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-09-16
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. (AR)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX  XXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NV)

The convergent collection agency was calling to collect on an account I already have a payment arrangement set up with the call was unnecessary. due to already working a plan out with them. the call took place at XXXX XXXX Pacific time and ended at XXXX XXXX Pacific time the phone number they called from is XXXX
Consumer complaint received 2023-07-24
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. (IL)

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.

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 inructions 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 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (TX)

I sent over a copy of the police report with the fair credit report of identity theft but they refused to remove the account from my credit report. With not actually hard evidence I want it removed. The document sent over dont mean anything anyone can sign a document.
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I had a medical bill back in XXXX 2020. I paid part of the bill but requested for assistance. I received XXXX XXXX  to pay off my debt. Didnt know all the debt was not paid and the rest sent to collections. Saw collections company ARS on my credit report today. Never received written notice from the collection company about debt to try to negotiate.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

ATTENTION TO CREDENCE RESOURCE MANAGEMENT ( 11 XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company CREDENCE RESOURCE MANAGEMENT in XX/XX/2019an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.