davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc. (TX)

This is a second complaint for the same debt added to my credit report XX/XX/XXXX for a debt supposedly from an emergency hospital visit in XX/XX/XXXX reported by XXXX XXXX XXXX XXXX XXXX XXXX It was then reported a second time as two separate debts on my credit report after I disputed it with XXXX and could not verify the debt with the original company XXXX that the debt apparently originated from. After submitting a complaint the company admitted that they needed time to research and verify the debt and that they would mail the information to me. They mailed a bill from a XXXX XXXX XXXX. XXXX in XXXX XXXX rather than the Texas location where the bill should have originated. The XXXX XXXX is permanently closed and the website to make online payments on the bill that XXXX mailed me is inactive. Additionally, the bill describes services as an evaluation during my emergency room visit at XXXX XXXX of XXXX. I set-up a payment plan with medical city and paid the {$850.00} balance early. Why would I have not paid {$100.00} debt if received? I research the XXXX XXXX included on the bill and found no office and only an affiliation with XXXX and XXXX. Furthermore, when searching for any signs of a business website and affiliation to the permanently closed location in XXXX for the XXXX XXXX, NV po box address I only find XXXX complaints similar to mine regarding outstanding debts that can not be verified, being reported to the credit bureaus, and no answer or response from XXXX XXXX.
Consumer complaint received 2019-08-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It has come to my attention that Bank of America ( B of A ) failed to remove property mortgage insurance ( PMI ) from my FHA loan once I reached the required 78 % loan to value ( LTV ) ratio. As a result, I would like to request reimbursement for all PMI payments in excess of the 78 % LTV once the lender was required to automatically remove the additional fee. 

My loan has since been transferred to XXXX XXXX XXXX ( XXXX ) as of XX/XX/2018 whom bought this matter to my attention. My principal balance was {$150000.00} when it was transferred to XXXX. And, based on my purchase price of {$200000.00}, my LTV was at 78 % wjhen my principal balance reached about {$160000.00}. Therefore, it is necessary for B of A to conduct an analysis of my old mortgage account and reimbursement me for all PMI payments made after my loan reached 78 % LTV
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-12-14
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. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I am writing in reference to a released XXXX XXXX that is reporting on my XXXX and Equifax credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recentlyXX/XX/XXXX and the receptionist at Equifax stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as Social Security Number or DOB in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from one investigation. XXXX or Equifax has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

BSI Financial purchased our mortgage in XX/XX/XXXX. We learned about it from our previous mortgage company. I called BSI on XX/XX/XXXX to get information to make our payment, and was told the loan wasn't set up yet and to call back in 5 days. I called in XX/XX/XXXX, and was told they had no information about our mortgage and to call back. I called again on XX/XX/XXXX, and received the same call back request. I called a 4th time on XX/XX/XXXX and got to loan number and information on how to set up an account online. I thought everything was set after that, but we received a notice in XX/XX/XXXX that BSI didn't show we're had homeowners insurance. I called and gave them the policy information, and they indicated they'd pay it. We received a letter from our insurance company in XX/XX/XXXX that our insurance hasn't been paid. I called BSI again on XX/XX/XXXX, and they started they had no record of me calling in XXXX or that we had insurance. I have them the information again, including the insurance company name and phone number as well as the policy number. They said it would be paid the following business day. I just received another letter dated XX/XX/XXXX from BSI stating we don't have homeowners insurance.
Consumer complaint received 2022-05-04
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 XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: American Credit Acceptance, LLC (NV)

On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for American credit ACCE. The other was XXXX XXXX. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.
Consumer complaint received 2018-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I filed complaints with the Consumer Financial Protection Bureau about Wells Fargo Bank and their Home Mortgages. Wells Fargo Bank and their Home Mortgages lie about everything and anything. I am including in this complaint my property tax bill and what Wells Fargo Bank claims is my property taxes the difference is {$1400.00}. Someone at Wells Fargo Bank, Home Mortgage is putting this money in their own pockets. They are no doubt lining their pockets with others money too. Wells Fargo Bank, Home Mortgage representatives went to the county tax office and tried to get the tax changed unsuccessfully. Wells Fargo Bank and Home Mortgage will cover up anything until the indictments. Wells Fargo Bank employees launder money for drug cartels. Wells Fargo Bank employees in XXXX, TX gave my mortgage loan account number to known convicted Mortgage Fraud criminals and now is attempting to deny that too. Wells Fargo Bank is going to court about this scandal of their mishandling of property taxes here in Texas. I am not late on any payments. Wells Fargo Bank, Home Mortgage hires criminals, Wells Fargo Bank, Home Mortgage hires the inept and incompetent. That's why they continue to deny the facts in this matter and continue to withhold my deed from me. This mortgage loan is paid in full. Wells Fargo Bank, Home Mortgage needs to act in accordance with the laws. 2 mortgage payments were stolen from Wells Fargo Bank 's electronic site due to the lack of security. Wells Fargo Bank, Home mortgage has mishandled this loan. Wells Fargo Bank is refusing to follow the terms and conditions of the loan I received from XXXX XXXX and continues to misapply my money. They have the application of payments wrong again and not with the terms of the agreement I signed. Wells Fargo Bank forgets I have the original copies of the mortgage loan. Wells Fargo Bank forgets that I have gone to a US Senator from Texas. Wells Fargo Bank refuses to acknowledge that they are under investigation from the SEC for mishandling property taxes here in Texas. Wells Fargo Bank must produce my deed and turn it over to me as this loan is paid in full. I will not be a part of a criminal cover-up.
Consumer complaint received 2022-05-04
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. (MS)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-18
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: National Credit Systems,Inc. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount National Credit System XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-05
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)

I have tried to resolve this with TransUnion before, this is my last attempt before filing suit. 
The following inquiries need to be deleted from my credit reports as I did NOT authorize them! 

1. XXXX XX/XX/2018 2. XXXX  XX/XX/2018 3. XXXX  XX/XX/2018 4. XXXX XXXX XX/XX/2018 5. XXXX XXXX  XX/XX/2018 6. XXXX XXXX XX/XX/2018 7. XXXX XXXX XX/XX/2018 8. XXXX XXXX XX/XX/2018 9. XXXX XXXX XX/XX/2018 10. XXXX XXXX XX/XX/2018 11. XXXX XXXX XX/XX/2018 12. XXXX XXXX  XX/XX/2018 I did NOT authorize anyone to check my credit.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc. (MD)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
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 — Problem with personal statement of dispute
Company: FC HoldCo LLC (CO)

We paid off our vehicle loan in XX/XX/2022. Flagship credit acceptance reported to the credit bureaus the XXXX payment was 30 days past due. They state they are not allowed to remove the late report because it's against the law
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2024 I attempted several times to deposit checks via the mobile system for Navy Federal Credit Union and for many multiple reasons the checks was declined. First for not being properly endorsed stating mobile deposit only for NFCU. I did so and deposited the checks once again on XX/XX/2024, the deposits were again denied and this time for unacceptable item When I became aware of the last denial, I reached out to the Navy Federal Credit Union was told to deposit the checks through the ATM, which I did. After the hold time and the deposits still had not posted, I called the NFCU after the wait period and still nothing posted to my accontacted the Navy Federal Credit I was told that the issuing bank would not clear the funds, the next day I made contact and was told the checks had not cleared due to fraud. I contacted my lawyers office to verify if the checks had been cashed and they had been and copies of those cashed checks were forwarded to me via text. I reached out to the Navy Federal Credit Union and was told that the federal reserve were not releasing the fund due to the federal reserve. No, one would assist me, but instead transferred me to security where I remained on hold for over two hours. The checks were for the amounts of : {$2800.00} and XXXX. Deposited on XX/XX/XXXX. The checks posted on XX/XX/2024. The numbers on the check for {$2800.00} from what I can make out are : XXXX and XXXX or XXXX. Check for XXXX XXXX and XXXX XXXX or XXXX. There is also a number in the right hand corner of this check, XXXX. Check for the amount of {$2800.00} number on top right corner, XXXX appears to be a XXXX. After waiting for over two hours on hold the representative could tell me no more than anyone else, she too passed the buck and informed me that the investigator was not available and she didnt know when she would be, but that I would just need to continue to call back. I have made approximately six to seven calls on this matter with still no resolution.
Consumer complaint received 2022-05-04
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. (MS)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Claim reference : XXXX I spoke to the XXXX XXXX  customer service department and they said there is a mistake on the way your handling this Dispute, i spoke to one of the wells fargo representatives on XXXX and she said Wells Fargo has no dispute rights, but according to the XXXX XXXX XXXXupport team if i paid with my debit/credit card i have the right to dispute the transactions with Wells Fargo and potentially get my money back - email attached. Wells Fargo is violating my rights, which is the fair credit billing act by denying my rights to file a dispute and i will be forced to file a complaint about Wells Fargo with the consumer financial protection bureau and Federal Trade Commission because your Violating the law. I request that you respect my rights and proceed with the dispute, I am writing for a charge in the amount of {$8700.00} on my account, i hired this company for Professional renovation services for 3 properties, this seller never did any work, i requested several times for him to finish and it was never done, after he disappeared and never again answer to me. Because of this i want you to consider this transaction as Fraud. We refused to pay the amount charged {$8700.00} as i never got any of the services and the seller blocked me which turns it to a fraud. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement because i refused to pay the amount billed on my account. PLEASE CONTACT ME SO I CAN SEND XXXX XXXX  EMAIL NOTIFICATIONS WHERE THEY MENTION YOU CAN DISPUTE THE CAHRGES
Consumer complaint received 2018-02-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Hello CFPB, My name is XXXX XXXX On XX/XX/2015 I purchased a single-family two-story house at XXXX XXXX XXXX in the city of XXXX. 
Before purchasing this house I was going to buy a house in XXXX XXXX but I was told by the XXXX XXXX XXXX agent XXXX XXXX, the XXXX XXXX XXXX XXXX and there was a huge sign on the property when I saw the house, XXXX XXXX a representative with Wells Fargo, XXXX XXXX XXXX a representative with the Housing Authority of the City of XXXX, that the property had a 10-year tax abatement. This was one of the main incentive that led me to purchase this property. 
I moved in paid my mortgage {$390.00} on time for a year. I started getting statements from the bank saying my mortgage went from XXXX to {$1200.00}. My neighbor and I went to the City of XXXX Treasurer Department. We met with the Assistant Tax Supervisor, XXXX XXXX, she told us there was no 10-year tax abatement for our property. She also said the proper paper work was not file within the 180 days. All the agencies involved are playing the blame game. I believe they all knew and they withheld this information from us. 
The bank set my loan up incorrectly, the account did not set up an escrow for taxes as you can see below therefore it cause me to go into foreclosure. At the closing on XX/XX/2015 the XXXX XXXX XXXX XXXX did not tell me there was not a 10-year tax  abatement. 
The bank did not do its due diligence they did not consider Regulations Y and Regulation Z when setting up my account which caused me to go into foreclosure. I sent payments to Wells Fargo and they returned the money in a check and a letter telling me they had to report this as income to the IRA. I thought when I signed the Settlement Statement ( Hud-1 ) it was a legal document that must be followed and upheld. I thought it was a contract. In that contract it had, No Tax Proration Applicable Currently tax exempt Property Im confused because according to this contract Wells Fargo has breached this contract. Based on the words in this contract why would they change my payment from XXXX to XXXX then to XXXX to XXXX I dont understand what they done but I dont think it was right. 
I would like for someone to help me because this is just unethical Behavior, all these agency just lied to us. I feel they set us up for failure. I remember a couple years ago when the banks had financial problems the government bailed them out, what about the common people like my neighbors and I. Who's going to bail us out? This is not fair that they continue to do predatory lending taking advantage of people and no one stops them. This is illegal what they have done to us. This situation just ruined our lives, and credit whos going to bail us out? Who's going to assist us? My neighbors and I are low to moderate income, we believed our house was a blessing and we wanted the American dream to become a Homeowner not to be facing homeless. 
Sincerely, XXXX
Consumer complaint received 2022-05-04
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions