davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (IL)

To whom it may concern : I have a collection account on my file from a collection agency named LVNV Funding LLC, my account number ends in XXXX. Please be advised that I am disputing this collection due to the fact that LVNV Funding LLC C/O resurgent Capital services P.O. XXXX XXXX, SC XXXX does not currently have a valid license in Illinois to collect on debts. This information is being stated on the XXXX website along with the Illinois XXXX XXXX XXXX website. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that LVNV Funding LLC is licensed in Illinois to collect debt. Your immediate response will be greatly appreciated. Thank you.
Consumer complaint received 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MI)

Our mortgage was sold to PHH mortgage services. We wanted to reduce our monthly payment by removing our home owners insurance from escrow. I fought with them for months because they said it was not possible. After multiple calls and several mail correspondence, they finally took my insurance off the escrow. But then my payment went up nearly {$100.00} a month. They claim it's because my property taxes went up. I checked with the city and they said they may go up {$44.00}, not hundreds of dollars. Everything is a struggle with them. And I'm pretty sure they are ripping me off.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (GA)

XXXXFORTIVA is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX  XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX XXXXXXXX debt adj. 
Account never was transferred or sold Never Included in XXXX  XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (FL)

On XX/XX/18 at XXXX XXXX received a call from XXXX - XXXX XXXX XXXX on my cell number XXXX asking for my ex-husband ( I've been divorced 7 years. ) I mistakenly said that's my ex-husband and I have not talked to him in years ... I do not have a number or way to get in touch with him. They then said ... you are on this credit card. I knew that was a lie as I had never signed anything joint with him at all .... They said it was around {$15000.00} and they'd settle my portion for {$2300.00} if I would settle that day. I refused. I said I wasn't responsible for that. They threatened to freeze my bank account and garnish wages. I said " before you can do anything ... send me in writing anything that I signed or shows that I am responsible for this debt. '' They asked me to give my home address. I told them I'd give my work address as I was not giving them my personal info. He said " Oh we'll find you. '' I have not heard from them since I told them I was recording the call. ( I wasn't. )
Consumer complaint received 2019-03-30
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. (MN)

I'm disputing the following accounts that's reporting on my credit report. The XXXX XXXX XXXX XXXX has 4 reporting accounts inwhich I have no knowledge of. There's also a XXXX XXXX XXXX   {$140.00}, reporting that I would also like to be blocked. Please send me physical documentation to support these accounts if not please remove them immediately.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I got a text message that someone was taking money from my XXXX account. I ignored it. Then I got a call and on the caller ID it said it was Wells Fargo so I answered. They pretended to be from Wells Fargo fraud department. That they wanted to take {$3500.00} out of my account and in order to stop it we needed to reverse the deposit back into my account. They tricked me and induced me into supposedly sending money to myself to reverse the action when in reality it went into their account. The next day I filled a case at Wells Fargo and in 10 days the return my money but it was temporary while they finished the invitations. Yesterday I got a letter telling me the investigation was over and they did not approve the fraud and they are taking my money back. I called and they opened up another case but did tell me theres nothing they can do. I told them bayou all and Regulation E, thats the only reason they started a new case but no promises that they would not take my money away. Apparently I researched that theres been thousands of cases similar or the same as mine and thats where I found your information, the federal law that protects us and Regulation E. The old case number denied is XXXX, the new case number that was started yesterday is XXXX. Id appreciate any help and if you need any other information please contact me. Thank you.
Consumer complaint received 2022-03-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.
Consumer complaint received 2019-01-08
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: TD BANK US HOLDING COMPANY (NY)

I check my credit score today and noticed 5 credit inquiries were made under my name on XX/XX/XXXX from XXXX XXXX without my consent or authorization. This is the 1st time my credit is impacted by identy theft, this happened to me XX/XX/XXXX when an unknown person/s took 2 vehicles out in my name, from 2 different banks at 2 different dealerships.
Consumer complaint received 2019-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XX/XX/XXXX, when I tried to check my credit report at XXXX, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to XXXX on XX/XX/XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX XXXX was taken from my business acct at Truist bank. That bank was alerted from the Receiving bank ( XXXX ) on XX/XX/XXXX that there was possible fraud. I was never alerted and my acct was never frozen. On XX/XX/XXXX, they allowed a second withdrawal to happen via ACH payment in the amount of $ XXXX. I reported the 2 transactions after realizing what was going on a month later. I was never asked to verify the transaction in any form. Keep in mind this is a high volume acct and I do large transactions. Truist is still pending weeks later on whether they will return my money or not. I am now seeing news reports and XXXX '' XXXX of other cases similar to mine since the merge. Truist not taking responsibility and keeping the funds. People on the news and in these XXXX chats are all saying the same story... money just suddenly removed some in real time while on phone with Truist. Most are indicating this may be an inside job. I think so in my case being that they were alerted about the fraud and allowed it to continue. I know of someone else personally that just got their account with Truist wiped out yesterday. I can prove everything Im saying in writing. Pls help! This is not your normal scam. The bank is not practicing guidelines and something is wrong.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

The credit reports say I was late for a payment on my account in XX/XX/2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of credit.
Consumer complaint received 2022-07-25
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$770.00} ; XXXX XXXX XXXX XXXX XXXXt Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; 1909 XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (SC)

requested a line of credit for my bussiness that has been in operation for 4 years subsequent to being misinformed for years that i could not establish 1 prior to this i asked would this involve my personal credit i was informed it would not be which was not the truth i was in the process of purchasing a home my credit had just been adequate enough for a home loan a major set back
Consumer complaint received 2022-03-08
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)

The credit reports say I was late for a payment on my account in XX/XX/ 2020 which is incorrect and the credit company says I was current. This is affecting my score and my ability to qualify for new lines of credit.
Consumer complaint received 2022-07-25
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. (LA)

This is my 6th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. XXXX XXXX XXXX XXXX : {$0.00} ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-03-30
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: CITIZENS FINANCIAL GROUP, INC. (IL)

I had an auto Lon with Citizens one finance were my vehicle was deemed a total loss. My insurance company and GAP insurance paid the amount owed checks cut on XX/XX/16 & XX/XX/16. Somehow it appeared on my credit as a Repossession. I recently opened a dispute to remove the balance and now my credit decrease -55 points! Im not sure where the error came from but Ive been penalized for over 3 years now with everyday finances due to more then likely a customer rep. With removing or decreasing the balance my credit score should have risen. This needs to be handled AS SOON AS POSSIBLE! I will be contacting a lawyer to see whats the best way to move forward with dealing with this company and the credit bureau. Theres an error somewhere on either one of not both parties and it needs to be resolved NOW!
Consumer complaint received 2019-04-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

I own two homes that are financed through a VA loan. The first home located in XXXX, XXXX  is financed using a VA loan with XXXX XXXX XXXX XXXX ( XXXX ). The second home located in XXXX, XXXX is financed using a VA loan with Cardinal Financial. 

I recently refinanced my second home loan with Cardinal Financial. I believe the actual closing date was Friday, XX/XX/XXXX. I received the cash out funds through a wire transfer to my bank account on Monday, XX/XX/XXXX. 

On XX/XX/XXXX, a representative from Cardinal Financial sent me an email stating the following : " As we discussed on the phone, the VA is stating you do not have enough eligibility to qualify for the new house plus keep the XXXX XXXX property on the VA loan. Please let me know once you have spoken to the realtor regarding selling the property. The other option is to refinance XXXX loan to a conventional loan. '' This information was never provided to me prior to refinancing my home in XXXX. It was only provided after closing. The representative also suggested that when I refinanced my home in XXXX, that the new interest rate on the conventional loan would be 1 % higher than my current rate using the VA loan provided by XXXX. 

After doing some research, I found that not only did Cardinal Financial charge me a higher interest rate than other banks to refinance, but one of their representatives was also trying to cover up a mistake the bank made by convincing me to refinance my first home loan to resolve the issue. I also found out that due to the error that Cardinal Financial made my XXXX home would no longer be eligible for an interest rate reduction loan that is normally provided by the VA 210 days after I make my first mortgage payment. 

I requested that the Cardinal Financial representative fix this issue by providing a conventional loan at 3.25 % at XXXX cost to me since the error was on their part. But I have not heard back from any Cardinal Financial representative regarding my recommendation on how to fix this issue. 

I would appreciate it if the Consumer Financial Protection Bureau could assist me with resolving this issue so that I can be eligible for the VA interest rate reduction loan in the future for my home in XXXX. 

Thank you.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On XX/XX/2019, I emailed a request for name change with all requested documents ( requested by Amerihome Mortgage, my mortgage provider ). Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

Further, on XX/XX/2019 I emailed a request to draft my payments from a new account. Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

I spent 20 minutes on the phone with them ( one line staff, one supervisor ) today trying to resolve this issue. They claim they sent the draft change today for processing and could not find the name change document. 

They are unresponsive, waste my time, and I'd like to waste theirs by having to respond to you about their lack of service.
Consumer complaint received 2018-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

At chase XXXX XXXX today I spoke to XXXX and she confirmed this is fraud. she indicated that XXXX XXXX has the case but she has always had the case and this is a big fraud cover up from within. please provide the updated information revolving around loan XXXX to the CFPB.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have an auto title loan with XXXX and I get plethora of robo calls from them with a message that starts with Good day. Several unsuccessful attempts to contact you have been made ... I have asked the company multiple times to take me off their robo call list. The number changes from time to time as well so as to make it difficult to screen or block the call. I get these calls about 20 times a week. Also, their lending practices are very unfair so I would not recommend ever using them. After nearly a year of payments on a {$2600.00} loan, I currently owe over {$3900.00}.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have sent police reports and identity theft affadavit to equifax due to severe identity theft and fraud of my personal information. Equifax has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. 

These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXXXXXX XXXX XXXX  Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2019-01-08
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: Risecredit, LLC (AL)

RISE on XX/XX/XXXX reported an account and address that is not mine. I was told to complete an identity theft report to RISE and they would delete this fraudulent information from my XXXX  credit file but they havent.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bonneville Billing and Collections (UT)

I have an open delinquency from Bonneville Collections that lists XXXX XXXX XXXX as the original creditor. The only time I've worked with XXXX XXXX XXXX was nearly 3 years ago when I moved out of a home that I rented from them. The company asked me to move out and I moved out as per their request and left the house in considerably better condition than it was when I moved in. My rent was paid in full and they never returned my deposit. The company has not attempted to contact me in any manner. I have had the same phone number for 6 years and have put in official change of address with the post office so if they had mailed me anything, I would receive it. There is absolutely no reason I should have an open account with them. Please investigate and remove from my report. I am working very hard to repair my credit and this has set me back incredibly. Thank you.