davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I found it hard to believe that WELLS FARGO BANK sent a letter addressed to my deceased wife, of which they are aware of, stating that the property is AGAIN under foreclosure proceedings and that the loan is 9 months past due. Furthermore, the letter stated that the mortgage assistance was not being considered when in fact, the Loan Modification was already approved by WELLS FARGO BANK, in which, the documents were ready for her signature. But due to her untimely death on XX/XX/XXXX, the signing of the documents were deferred by WELLS FARGO, and the closing lawyer they hired. 

On XX/XX/XXXX, I wrote an email to XXXX XXXX, Home Preservation Specialist of WELLS FARGO. Please see my email below for your perusal : Dear XXXX, For your ready reference, please let me share with you the excerpt from CFPB Bulletin XXXX, dated XX/XX/XXXX, starting on XX/XX/XXXX, a servicer must have policies and procedures reasonably designed to ensure that, upon notification of the death of a borrower, the servicer promptly identifies and facilitates communication with a successor in interest7 of the deceased borrower with respect to the property that secures the deceased borrowers mortgage loan. In issuing this guidance, the CFPB seeks both to assist servicers in implementing these policies and procedures and to promote home retention whenever possible for successors in interest faced with the loss of their homes due to the death of a borrower. 

The CFPB adopted the successor in interest provision of the Policies and Procedures Rule after learning about difficulties that some surviving spouses, children, or other successors in interest experienced in attempting to communicate with servicers. The CFPB has received reports of servicers either outright refusing to speak to a successor in interest or demanding documents to prove the successor in interests claim to the property that either do not exist ( e.g., probate court documents for an estate that is not required to go through probate ) or are not reasonably available. These practices often prevent a successor in interest from pursuing assumption of the mortgage loan and, if applicable, loss mitigation optionspotentially resulting in the avoidable loss of the home. In applying the Policies and Procedures Rule, the CFPB seeks to reduce the number of unnecessary defaults and foreclosures, including those following the death of a borrower. 

Basing on the above-stated Bulletin, may I request that Wells Fargo must adhere to its implementing guidelines and thereby amend the APPROVED LOAN MODIFICATION documents transferring the accountability of the Loan Modification from my deceased wife, XXXX XXXX XXXX, to my son and me, as early as possible. 

As Ive said, the Approved Loan Modification is so affordable to us ; and the question now remains, Why the delays. 

May this merit your utmost attention and consideration. 

Most Sincerely Yours,
Consumer complaint received 2019-06-30
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. (FL)

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX XXXX   XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX  XXXX ACT #  XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I demand the following accounts be verified or removed immediately.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

my bank, Fifth-Third, charged me XXXX overdraft fees based on processing transactions from most to least. the total amount of my overdraft was less that the total amount of XXXX of the transactions, but because of how they process their transactions, I received a {$110.00} fee for overdrafting {$13.00}. I will provide screenshots of my account as proof. at the end of monday night, we had {$56.00}. tuesday we were overdrawn the {$13.00}. wednesday we were hit with the fees.
Consumer complaint received 2019-06-30
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. (FL)

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   XXXX ACT # XXXX XXXX XXXX XXXX ACCT # XXXX I demand the following accounts be verified or removed immediately.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I paid off my XXXX Mortgage Account XXXX. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to Equifax. By incorrectly reporting this amount to Equifax, XXXX is driving down my credit score with Equifax. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.
Consumer complaint received 2019-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AR)

In XXXX, my wife and I were experiencing financial difficulties and found ourselves behind on our mortgage by nearly {$4500.00} ( 5 payments of nearly {$900.00} ). We contacted our mortgage company ( Wells Fargo Home Mortgage ), and were assigned one of their " home preservation specialists. '' Incidentally, we were in Year 10 of a 30-year mortgage, with a balance of {$82000.00} with a 6.25 % Fixed Rate mortgage.

During the conversations with this " home preservation specialist, '' he informed us he could introduce us to a loan modification of our mortgage to prevent foreclosure, but we had 3 days to sign and return the documents. He sent us a package of documents we did sign, but the loan modification included the same mortgage rate of 6.25 %, the payment lowered to {$750.00}, but the loan maturity date changed to XXXX ( from the original loan maturity date of XXXX ). This modification added an additional 240 payments of $ XXXX for a total of an additional {$180000.00} over the new life of the loan. We were given 3 days to sign and return these forms back to Wells Fargo. 
In Q1 or Q2 XXXX, Wells Fargo sold our mortgage to another company ( XXXX XXXX ). In early XXXX, XXXX XXXX sold the mortgage to another company ( XXXX XXXX XXXX ).
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

To whom this may concern, CCS Collections are in possession of an invalid debt being negatively reported on my credit report. CCS claims the original creditor is XXXX, but when I contacted XXXX for an itemized bill ; they could not provide one because they stated I have no account with them. 

Please remove this debt as it it is not mine.
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

XXXX XXXX XXXX has filed the same debt in intervals of 6 months ranging the debt with different collections agencies. I tried to settled with them previously, however they never returned my calls or attempted to resolve the issue. I sent the equipment back to them. 
XX/XX/XXXX Diversifed Consultants had the debt Then XX/XX/XXXX, XXXX XXXX had the debt. The debt as of today 's date XX/XX/XXXX has been removed, again, with the expectation to reappear XX/XX/XXXX, with a new collection agency. 
I believe this to be evidence of re-againg a debt
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CONVERGENT OUTSOURCING ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-06-30
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. (CO)

I have requested that XXXX, XXXX and Transunion either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XX/XX/XXXX and XX/XX/XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.
Consumer complaint received 2019-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

On XX/XX/XXXX I called Nelnet and was told I needed to send in documentation for an Income Driven Repayment plan. I had done this in XXXX and was told everything was received. I agreed to send it in again. After sending my docs a few days later I called Nelnet on XX/XX/XXXX. I asked if my documents had been received. I was told yes, my Income Driven Plan was completed and my next payment would be {$0.00}. I also logged into the site a fee days later and it said next payment due XX/XX/XXXX {$0.00}. On XX/XX/XXXX I received an e-mail stating that documentation was needed to reflect my gross pay in order to complete my IBR application. I had already sent this in and been told it was received and completed. I called back on XX/XX/XXXX asking about this and was told docs had not been received and on XX/XX/XXXX I had a payment due of {$270.00}. I explained what I was told on XX/XX/XXXX the rep was rude said it didn't matter the docs they needed weren't there and there wasn't enough time to send it in. I escalated to a supervisor and asked to have the last2 calls pulled. They said they will coach the rep. I re sent the docs in but I don't trust these people. Compliance was broken wrong info was given that can result in a negative impact to my credit report. The call center gives wrong info constantly and they are supposed to help us. I advised them I was making a complaint and they gave me this site.
Consumer complaint received 2019-06-30
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. (CO)

I have requested that XXXX, Experian and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.
Consumer complaint received 2019-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2019 I had received a notice from American Express that they lowered my credit line from {$15000.00} to {$11000.00} with no explanation. I contacted the company several times and spoke with several people to try and get this resolved. The decrease left roughly {$100.00} of available credit and bring my utilization from roughly 75 % to 99 % this had significantly impacted my credit score by reporting a maxed out line. On top of that on XX/XX/19 they processed an interest charge on the account that resulted in a credit hit showing that I charged over the balance when I did not. I have spoke with an attorney and will be pursuing a class action lawsuit against the company if this does not get fixed as soon as possible.
Consumer complaint received 2019-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control (CO)

In XXXX, I filed a complaint against the Agency of Credit Control for reporting a debt I do not owe, allegedly from XXXX or XXXX or something from " XXXX  XXXX  XXXX  ''. I had no knowledge of this, filed a complaint over failure to receive a dunning letter, and failure to validate this debt which I do NOT owe. My first complaint was when the agency tried to violate my rights by saying they didn't need to send me anything. They later, after I filed complaint, sent me a letter acknowledging that I did NOT owe the debt and that they would remove it from my credit report. Great. But when I went to buy a car today with my husband ( a few months after they said they would remove ), I still see the debt on my credit report. This agency will now, over false derogatory information, be costing me more money in my car loan than what they claim I owe them. I have no other derogatory information on my credit report and this agency has proven themselves to be unethical in continuously reporting false information. This has gone beyond a simple matter of principle and I will escalate this issue until a satisfactory resolution.
Consumer complaint received 2017-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing multiple credit reports, I notice an unauthorized inquiry was placed by XXXX XXXX on XXXX/XXXX/XXXX. I spoke with a sales person informing them that i was not interested in a new line of credit and I did n't not want my credit pulled!
Consumer complaint received 2024-03-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I sent a dispute letter to Experian listing all the personal information errors on my credit report that I would like them to delete. 

They did not investigate anything ... all they did was to send me a copy of an updated copy of my credit report " WITHOUT ANY OF THE DISPUTED INFORMATION DELETED ''. 
It's obvious that no one at Experian even looked at my letter ... I feel that this goes against the Fair Credit Reporting Act. 

There are several personal items on my credit report that are not mine ... such as variations to my real name ... several addresses that are not mine ... wrong employment information ... ... wrong telephone numbers ... THE WRONG NAME OF MY SPOUSE ( My wife 's name is XXXX, not XXXX ) ... and they even list my home address as some kind of engineering business
Consumer complaint received 2019-06-30
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. (UT)

Experian allowed previously deleted accounts to be improperly re-inserted back on to my consumer report. 

On XX/XX/2019, I discovered XXXX XXXX Account Accounts both XXXX had been re-inserted into my credit file. You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Please delete these items immediately.
Consumer complaint received 2019-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

Pulled credit report on XX/XX/2019 and noticed item on report Mailed letter to company about item on report.

Company signed for certified letter.

No response was received from company.

Sent second letter to company for verification of item on report.

Company signed for certified letter.

No response was received from company.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

on XX/XX/2016, I transferred {$1000.00} from my PayPal account to my XXXX bank account. The XXXX account had been closed for a few months. I did not know that. It was not an account I used very often. I had a credit card associated with the XXXX account that I wanted to pay and use funds from the PayPal account. The money never hit the account cause, according to XXXX, the account didn't exist anymore and it's impossible to move money into an account that does not exist. 

I called PayPal a number of times to try and resolve this and, each time, the told me the money was moved and XXXX has it. We would get on the phone with XXXX and they would say the same : they wouldn't accept money for an account that does not exist. 

The PayPal trace request number is : XXXX I don't have the XXXX account # but the debit/credit cards associated with the account always pulled the account up and those are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't called PayPal in quite some time because I couldn't stomach having them tell me there was nothing they could do anymore. 

Please help! 

Thank you so much.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

It's started in the same bank few years ago in 2018, someone drinking coffee few time per day from my card, then I catch them when they used my card in XXXX, I didn't been there for few weeks.Some bankers blame me, they didn't believe me it's not me, the women who used my card looks like me.I have photo of her also. Then I send them my project they didn't answer. I closed my account, then few months ago I opened account again in the same bank with some cashier 's check on my name XXXX XXXX they tell me check will be available tomorrow, but ... someone withdraw the check next day, until I even did anything.Then multiple excuses from the bank, and they didn't give me check back.
Consumer complaint received 2019-06-30
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: EQUIFAX, INC. (IL)

I contacted XXXX, Equifax, and XXXX on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on Equifax and 8 on XXXX. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.
Consumer complaint received 2019-06-30
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. (IL)

I contacted XXXX, XXXX, and Transunion on multiple occasions regarding identity theft fraud, which included numerous inquires that do not belong to me. Just recently I was notified that I have over 6 inquires on XXXX, 9 on XXXX  and 8 on TransUnion. Despite the fraud alerts, FTC complaints and proof of fraud, I am still getting inquires and numerous other inaccurate reporting which includes addresses, misspelled names and wrongful employers. I literally have worked for XXXX XXXX XXXX XXXX for 9 years, but they have me listed as retired. I need all of this fixed quickly.