davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (CA)

In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with XXXX. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to Experian, XXXX, and XXXX. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as Experian, XXXX and XXXX to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

My XXXX XXXX XXXX was included in a theft & was wrecked and totaled out. My insurance company, XXXX XXXX, paid out a check dated XX/XX/XXXX in the amount of {$6400.00} to XXXX XXXX XXXX Bank to fulfill the remaining balance of my auto loan. XXXX reported my car loan as having not only a late payment but also the account is still open today XX/XX/XXXX almost a month later! To make matters worse when trying to apply for a new auto loan I was denied and told the reasoning was 1 ) I have an open account & 2 ) my car loan is showing my car as a repossession which literally is not true. 

I spoke to a XXXX customer service agent and was told that they would back date the payment to the check date ( XX/XX/XXXX ) and any discrepancies would fall off. I filed a dispute with Experian to report the account as closed and the results deemed the account as accurate. Not only do I have the receipt from where my insurance sent out the payment on the XXXX of XXXX, but also when I log into my XXXX auto account its showing the account as closed. So Im not sure why after investigation Experian is saying the account being open is accurate. 

I have had to fork out over {$1000.00} in rental fees because of this problem and me not being able to open a new auto loan because of this. This is unfair!!
Consumer complaint received 2022-03-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I was attending XXXX XXXX in 2018 when my mother passed away unexpectedly and I needed to withdraw d/t grief. And I was billed for that. I attended next semester. Then when I registered for upcoming semester I was given wrong schedule. I went to registrar and was told I needed to go to financial aid. Financial aid stated that the XXXX scholarship given to XXXX  was taken back from prior semester leaving me a said balance of same. I would not be able to attend classes until paid. So I was told to withdraw. Then I was told I have another balance because I should have withdrawn a day prior. They have put me through the stress of proving my mothers expiration, meeting with advisors, and emailing explanations. Quite recently in my attempt to re enter I was made to repeat the process. Only for them to list a collection on my credit report, taking XXXX points off my score. Score is XXXX now. They billed me and received payment for XXXX semesters in which I only attended XXXX.
Consumer complaint received 2018-10-31
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. (OK)

On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with XX/XX/XXXX, however XXXX  refused to reply or remove the inquiries.

XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

follow up to complaint # XXXX. After speaking to several agents at Mr.Cooper, I finally was able to speak to a CS rep, who went over several large checks that were disburse and charged to our escrow. The amount of the disbursements were $ XXXX $ XXXX {$6700.00} ... ..this bring us to a grand total of {$28000.00}. A phone call to the taxing authority revealed and confirm although there is a XXXX tax exemption on the property, your mortgage company sent these checks and did not request a refund. A have communicated with a person by the name of XXXX XXXX and sent over, for the 20th time, a copy of the tax exemption. This request to refund the payments are urgent and time sensitive. This action does not need to be complicated by those who may not understand what or how to do this. We are expecting a smooth transition under a federal agency better equipped to handle mortgages transactions, disasters, taxe issues, etc.
Consumer complaint received 2022-03-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have tried to fix this several times with the creditor and XXXX. On report is misleading information. First it says closed but payment status says pays account as agreed yet shows a 0 balance and a 0 monthly payment that's due, when the truth is I got the car and I got insurance through them but then found ins on my own cheaper and needed XXXX and the creditor refused to take away that extra amount of money off of my payment monthly on top of that they wouldn't fix the problems it had when I had literally just got it. So I talked to a higher up gentlemen who finally called me and said if I took the car back to lot voluntarily that day which I did that I would be free from the debt of the car... Here it is on my credit report. Last update they made was XX/XX/2020.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Violation of Privacy Act of 1974 & of the Educational and Privacy Act of 1974. 

XXXX : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX  Balance {$1000.00} Balance updated XX/XX/XXXX XXXX Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX Balance {$6000.00} Balance updated XX/XX/XXXX XXXX  Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} ( XXXX XX/XX/XXXX ) Experian : XXXXXXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$3900.00} Balance updated XX/XX/XXXX 2023
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX/XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TN)

This company continue to use every trick in the book to raise my mortgage. They forced escrow on my account after seventeen years of me paying them. Now they are trying to force place insurance on the property even with me sending proof there times and my insurance agency sending it twice. Each time they say they have not received the paperwork but we have confirmation of each. Now today they sent a statement saying my mortgage will go up again to XXXX a month. My mortgage started out at XXXX. This company is using unfair practices and is attempting to strong arm its customers.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My mortgage account with XXXX XXXX XXXX is not reflecting that it is paid off on my TransUnion report and I recently tried to contact XXXX XXXX XXXX to no avail.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/XXXX I had XXXX  overdraft my citizens account. 

On XX/XX/XXXX I deposited enough to bring my account to over {$5.00} positivbe on XX/XX/XXXX XXXX overdrafted again, and they charged a " Sustained '' overdraft fee. The legal definition of sustained is maintaining without interruption. 

On XX/XX/XXXX my wife called Citizens and was rudely hung up on, I called back and had the following phone conversations : Name : XXXX ID : Refused Role : Customer Service Agent Notes : XX/XX/XXXX - Went Below XXXX. 
XX/XX/XXXX - {$5.00} Above Zero. 
XX/XX/XXXX - Went Below 0. Sustained OD Fee even though I was above 0 for 3 days. 

Name : XXXX ID : Refused Role : Customer Service Supervisor Notes : Refused the call because I was recording and put me on a XXXX hold. 

Name : XXXX ID : Did not ask Role : Customer Service Agent Notes : Asked for Supervisor immediately Name : XXXX ID : Refused Role : Customer Service Supervisor Notes : XXXX agreed that the timeline matches my claim, she agreed that the fee should be waved, but would not guarantee it would be. I ended the call there, if they can not give a guarantee, they can deal with you guys instead.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

In XX/XX/2023 I opened a new business checking account online and funded it with {$200.00} via credit credit card and {$3000.00} via ACH transfer. The {$200.00} deposit never showed up, so after about a week or so, I called in. They said they didn't have any record of that deposit. I decided to go into the XXXX, CA branch and spoke to the branch manager. He said he couldn't see it on his end either and to contact my credit card company.

I contacted my credit card issuer ( XXXX XXXX ) and they said everything looks find on their end. The {$200.00} had been charged to my credit card already. At this point, I reversed the charge since I didn't want to be out {$200.00}. A week after this, the {$200.00} deposit showed up in my account, so I canceled the charge reversal. 

Awhile later, US Bank debits {$200.00} from my account and freezes it. I call in again, and they said they thought it was fraud so froze and are going to close my account. I did want the account still at this point, so I go into the XXXX, CA branch again and speak to the manager. He makes some calls, and the end result is that there was nothing that could be done. The account was slated for closure. Fine. 

Fast forward to over 30 days later, they are still holding my funds. There's over $ XXXX still in the account and I can not withdraw or transfer out. This is unacceptable. I feel like my account is permanently in limbo with no resolution. I just want my funds back at this point and am disappointed in how this is being handled. I felt like I had no other choice but to file a CFPB complaint.
Consumer complaint received 2018-10-30
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. (CA)

I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX , XXXX XXXX XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened XXXX XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXXXXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Consumer complaint received 2018-10-30
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: WELLS FARGO & COMPANY (TX)

We had a mortgage we opened with Wells Fargo, back in XX/XX/XXXX. ( FHA ) Unfortunately it was foreclosed upon us on XX/XX/XXXX. Wells Fargo is incorrectly reporting that it was foreclosed in XX/XX/XXXX. That inaccuracy is preventing us from purchasing a new home. I have gone nonstop back and forth with them about this error and they are refusing to fix it. I am attaching the actual letter and legal documents showing the sale took place XX/XX/XXXX. 

House was under XXXX XXXX XXXX XXXX XXXX. 
XXXX. TX XXXX. 

Our current address is XXXX XXXX XXXX XXXX . 
XXXX TX XXXX XXXX
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC. (CA)

We were victims of identity theft where someone opened a fraudulent credit card consumers account with XXXX XXXX and charged other peoples credit cards under our business then had those funds routed through a bank account at Sun Trust Bank with  our name on it. We have already been released from liability from XXXX XXXX who issued the consumer credit card reader but Sun Trust Bank is still sending us collection letters. We have spoken to them many times over the past 3 months and each time the Fraud Department says they will get back to us and then they don't and still we are getting threatening letters saying they will turn us over to collections if the balance isn't paid. We sent them a certified letter on XX/XX/XXXX that we printed from the IdentityTheft.org website along with all supporting documents of the crime, including the local police department 's incident report.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint Mortgage intentionally misapplied an additional principal payment as a regular payment for the next month. They charged advance interest in doing so. This misapplication is apparently an intentional error whenever an excess payment amount is at least enough to cover the next month 's payment. This is based on conversation with their representative and also a supervisor. The misapplication of additional principal leads to consumers paying interest in advance that is not due on incorrect principal balances. Obviously, this is a potential profit center for any mortgage service and especially one the size of Roundpoint Mortgage. The company has said they will rectify the error and note my account. When asked if this is how they process all accounts, the supervisor said she does not know and would bring it up to the " Cash Team ''. This is something that deserves a look by the enforcement authorities at  CFPB. From my conversation with Roundpoint, I would highly doubt mine is an isolated error. Date of payment XX/XX/18. Date of call XX/XX/18. Amount of payment Due {$730.00}. Amount of payment made {$1700.00}. amount of advance interest charged {$310.00}. Amount of principal not applied to balance {$1000.00}.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NC)

I received a text message with the spoofed identity of a family member, requesting that I contact MRS Associates regarding a debt from XXXX  XXXX Bank. I researched the corporate identity of MRS Associates and wrote to the corporate offices that they were in violation of the FDPCA by failing in its initial communication with an alleged debtor, participating in false and misleading information by spoofing text message identity, and attempting to collect and alleged debt that XXXX  XXXX Bank had acknowledged as being invalid. More that thirty days after the declaration by XXXX  XXXX Bank, MRS Associates continues in its attempts to collect the debt.
Consumer complaint received 2018-10-30
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. (VA)

EXPERIAN IS UPDATING EVERY MONTH AN ACCOUNT which status says closed. Who is updating it? Clearly not the Original alleged Creditor, because the status It says assigned to an atty that I'm not aware of? Here are the details XXXX Date Opened : XX/XX/XXXX - THIS IS XX/XX/XXXX -- SHOULD NOT THIS BE DELETED? 

Account Status : CLOSED - So why is it being UPDATED? 
Seriously past due date / assigned to attorney, collection agency, or credit grantors internal collection dept. WITH WHO? 

Comments : This is what I mean, even though they don't have adequate information to REPORT an account, they go out of their way to ANY TYPE OF NEGATIVE information EVEN IF IT CAN NOT be VALIDATED. EXPERIAN IS VERY DISCRIMINATORY Status Updated : XX/XX/XXXX. WHY ARE YOU UPDATING AN ACCOUNT that you claim is with a collection agency? 
Balance {$1500.00}. 
Terms : 1 Month. 
Comments : Credit Line Closed WHERE IS THE Date of First Delinquency for this account? 
WHERE are they getting this information from?
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I HAVE SEVERAL DISPUTES WITH EXPERIAN, I HAVE TRIED SEVERAL NUMBERS ONLY TO GET THE WRONG PROMPTS.I AM VERY FRUSTRATED WITH A BIG BUREAU SUCH AS EXPERIAN TO HELP LET ME EXPLAIN WHAT IS BEHIND MY REASONS FOR DISPUTING ANY CHARGES.I WOULD APPRECIATE IT GREATLY IF YOU COULD PROVIDE SOME ASSISTANCE IN THIS MATTER. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX