davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

To : Consumer Financial Protection Bureau From : An Illinois Homeowner, a XXXX citizen and a Veteran Date : XXXX XXXX, XXXX RE : Wells Fargo Home Mortgage We have been battling with Wells Fargo Home Mortgage since XXXX, XXXX, when they violated RESPA laws by increasing our escrow requirement by more the lawful amount, thereby increasing our mortgage by {$800.00}. 
Though Wells Fargo has made settlements with various government housing agencies, they are still violating laws and rights of some homeowners. Although they are the servicer for our XXXX XXXX owned mortgage, we have not had the benefit of having a loan modification properly evaluated, nor have we ever received an explanation for denial of the two application we submitted. Though XXXX XXXX made changes to some of their requirements for servicers last year, we still have not had the benefit of Wells Fargo 's compliance. 
We filed Chapter XXXX Bankruptcy in XXXX of XXXX which was discharged earlier this month. We submitted the HAMP application on XXXX XXXX, XXXX, and per instruction received from Wells Fargo on XXXX XXXX, we began the work of submitting the Uniform Borrower 's Assistance Form, along with required attachments. We were told we would receive an answer in XXXX hours after all documents were received, however there was no date by which we must have everything in. All items were submitted on XXXX XXXX, however it was n't until we called Wells Fargo on XXXX XXXX, XXXX, that we learned the documents would not be processed because of a pending sale date. This sale date of XXXX XXXX was in placed on XXXX XXXX when we received the first call about receipt of documents submitted XXXX XXXX. 
XXXX XXXX requires our documents be processed because of the Chapter XXXX Bankruptcy we filed. We understand the servicer is not required to solicit an application from us, but are required to process the application once we submit it. Once again, they are refusing to abide by regulations. Since our Chapter XXXX has been discharged, our financial situation is much improved, and we are able afford our mortgage payment. 
It is our hope that you will forward this correspondence to all related agencies that have an interest in seeing that mortgage servicers are in compliance with the law, and in a position to hold Wells Fargo and other like services accountable. 
With appreciation,
Consumer complaint received 2021-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

On XX/XX/2021 I received an alert that I had a collection on my XXXX credit report ( XXXX point drop ). This was a surprise to me, I don't owe anything outstanding, nor have I received any correspondence from anyone stating that I do. The collection was from Credence Resource Management, stating that I allegedly owe {$690.00} to XXXX XXXX. I'm not a XXXX  nor am I strapped for cash. I am also very Credit conscious, as noted by my score and payment history. The biggest surprise was that this was placed on my credit report, never receiving any communication from XXXX or Credence. According to the FDCPA, as well as the FCRA, my consumer rights protect me from unfair and illegal collection and reporting practices. Now my rights have been stripped. An account like this appeared on my report last year, I called XXXX, they had no record of a balance and the account was disputed and removed for being non-valid. To make matters worse, I have not had an account with XXXX for almost five years, now this company has filed this alleged collection as new resulting in a larger drop in my credit score. This is a bullying tactic and unfair trade practices not done in good faith. I want my credit restored, and my rights back to resolve this matter within the scope of the law.
Consumer complaint received 2018-09-18
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)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-12-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-24
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. (MO)

I am appalled by the lack of responsibility on your behalf. When will Experian going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. This CFPB Complaint will be my XXXX CFPB complaint to be submitted requesting the removal of the disputed accounts completely from my Credit file. Under the provisions of the Fair Credit Reporting Act, I am requesting that the Credit Bureaus remove the disputed accounts completely from my Credit File. The Following accounts were already deleted from the other Credit Bureaus, and I need these items completely removed from my Credit file. 
XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2022-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ray Klein, Inc. (NC)

My debt collection says I owe {$540.00} as the date of XXXX XXXX but I had XXXX XXXX insurance during that year and I tried to pay XXXX off with my health insurance.
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (PA)

They sent me the notice on XX/XX/2021. For the amount of {$1200.00} plus cost of Im not sure what which is {$1300.00}. States we will garnish your wages and also have me incarcerated if I do not reply in 14 days. The information they have is incorrect and I do not currently work and they have an employer that I never worked for.
Consumer complaint received 2021-08-26
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: Westlake Services, LLC (FL)

XXXX/West Lake Financial is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act 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 wirtten instructions I was made this complaint before XXXX with the ID XXXX and I got the answer the this information does not currently appear on the credit and still in my report and must be deleted because this account was closed and dismissed for a court judge
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (PA)

Hello this is into claim already under investigation, i apologize but this is case number XXXX and i have postage from us postal i paid for express mail and it arrived to Experian and XXXX some where around XX/XX/XXXX for both as i will show. I would like to address the lateness of this information and the Law that states under federal law they have 30 days to complete your re-investigation. Be advised i also sent same thing im showing you that the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 day of the completion of your re-investigation. When you see the copy of my tracking information you will see XX/XX/XXXX, would have been 30 days and today is XX/XX/XXXX, and i you the CFPB just said as of today the have 15-60 to get this done. So please add this to the letter i thought also they would be doing the job correctly but it seems they are dragging me along like this whole year. The pics i sent are my tracking information to Experian, XXXX and the one letter is the same thing to the three collections i was requesting to be verified, just to make clear so you will understand what they have and what i was asking for.
Consumer complaint received 2021-08-26
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. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. I do not have a contact with this company! THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE WITH TWO DIFFERENT AMOUNTS ( {$300.00} & {$530.00} ).
Consumer complaint received 2021-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (WA)

I was a customer of Simple bank. We were supposed to transition to Simple 's parent BBVA on XX/XX/XXXX. BBVA was supposed to transition all Simple customers to its online and mobile platform, however the transition has been a failure. I was not able to gain online or mobile access to my account on XXXX and as of XX/XX/10 still have not been able to access my account. This is shared account that my wife and I own with a balance of around $ XXXX including checkings and savings ( I can't confirm the exact balance because I can't access my account ). I've been trying to reach BBVA 's customer help line since XX/XX/XXXX however, however I've been unsuccessful at getting help. When I call I get placed on hold and after waiting for 30 to 40 minutes, my call is dropped. BBVA has not emailed me regarding the issues its encountering with the transition, I've had to check their twitter account to stay up to date. My wife and I are in the middle of purchasing a home and require real-time access to our bank accounts.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

ACCOUNT Number  XXXX  Credit file confirmation  XXXX   XXXX   XXXX  knowingly reported correct dates to keep an item on my credit report.  <P/> The account is over 8 years without payments or activity other than the reports of payments for {$0.00} that were never made.  <P/>  XXXX   XXXX  reports that I have made payments in the amount of {$0.00} to keep this old account active.  <P/> They used in incorrect date of first delinquency of over three years after the actual date.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (VA)

ESO CCA added a old bill to my XXXX Report that was more than 7 years old and report it as new and recently open. It was removed from other 2 credit agencies but XXXX won't remove after dispute. Is it not illegal to recycle old debts as new and credit agencies allow it?
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (IL)

In XXXX of XXXX, I entered into a mortgage forbearance agreement with Suntrust Mortgage company as a result of the pandemic. This forbearance was in-line with federal guidelines allowing those impacted by the pandemic to postpone mortgage payments until such a time that they could resume making those payments. 

Once I was confident in my ability to resume payments in XXXX of XXXX, I began making my mortgage payments again. At that point, 10 months of mortgage payments ( including escrow for property taxes and property insurance ) had been forbeared, totaling approximately {$32000.00} based on my monthly mortgage payment of {$3200.00}. Some dollar values had shifted slightly due to an escrow analysis that was performed, but the escrow amounts hadn't changed materially. On XX/XX/XXXX, I made my first mortgage payment in 10 months of {$3200.00}. 

In XXXX, we spoke with a mortgage broker regarding refinancing our home out of forbearance. They were able to do it, but we needed to bring our mortgage current. So on XX/XX/XXXX, we made payments totaling {$35000.00} to bring the mortgage account current through XXXX. 

Unfortunately, Suntrust has not been able to apply those payments to our account properly. I have spent countess hours on the phone with them reviewing the issue with multiple people, and have been told on multiple occasions that it will be taken care of. It is impeding my ability to refinance my home, and I do not have any idea how to make my loan current. My online account currently shows an incorrect principal balance, and thousands of dollars in " unapplied funds ''. Loan payoff letters I have requested show a principal balance of over {$450000.00} and payments only current through XXXX - the principal balance remaining, with my payments made, should be {$410000.00}, and the loan should be reflecting as current through XXXX. 

Suntrust is essentially holding my money hostage, and I believe their motivation is to not allow me to refinance into more favorable mortgage terms. My ability to refinance my mortgage is being placed in jeopardy due to their inability to take action on a simple matter, where I have 100 % fulfilled my duty to them. 

I am hoping for assistance regarding this, but will have to seek out legal counsel to pursue the matter if this goes on any further.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (MD)

Unauthorized purchases were made against an XXXX XXXX XXXX XXXX XXXX  Charge Card.The Case Number for all of the Fraudulent transactions is : XXXX. 
XXXX. XXXX XXXX XXXX # XXXX - {$240.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX  XXXX XXXX MD - {$250.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$210.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$100.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$32.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$60.00} - Purchase Date - XXXX
Consumer complaint received 2021-08-26
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. (MI)

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. I do not have a contact with this company! THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE WITH TWO DIFFERENT AMOUNTS ( {$300.00} & {$530.00} ).
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (MO)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-07-06
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council (TX)

I called a number on XXXX on XX/XX/2022 to help with student loan forgiveness. I was connected with XXXX XXXX with True Solutions. He talked to me for over 45 minutes about the process. He asked me to sign something to let him speak to someone regarding my student loans. I made sure I didnt give him my social security number and I didnt send him proof of income. However, at the end of the call, he then mentioned that I now owe him {$690.00} dollars. I told him before he does anything that I need to speak with husband before processing the loans. He said okay. I decided it was probably a scam and stopped answering the calls. After a month, he called me from a different number and said he went ahead and processed it since it is company policy to go ahead and proceed if they dont hear from the customer. I went ahead and hung up and now he left a voicemail XX/XX/2022 that this could ruin my credit if I dont pay.
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent letters regarding inaccurate and unknown items on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within XXXX  days gives reason to immediate removal of those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.