davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
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. (ME)

Earlier this year we received a response from XXXX XXXX XXXX concerning the length of time the company reported a negative item on our credit reports. XXXX  XXXX XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/2011. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. 

We are now past the 7 year period and XXXX XXXX XXXX continues to report the negative item on our credit reports.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

XX/XX/2020 I signed up for Lexington Law Firm XXXX XXXX XXXX. I decided to cancel the service on XX/XX/2020. 

XX/XX/2020 Lexington Law debited my checking account for {$100.00} without authorization and for no services provided to me because the service was cancelled. 

I telephoned Lexington Law Firm on XX/XX/2020 and spoke to a paralegal XXXX who confirmed the services were cancelled so my account should not have been charged. 

I telephoned my bank and requested a stop payment on all future charges by Lexington Law Firm in the event the company attempts to withdraw money from my account for a service I do not have with this firm.
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, we filed complaint XXXX XXXX. We have tried to find out what the problem was for two years as we kept getting delinquent notices, please review the prior documentation regarding this case. 
BofA was supposed to make the payments from a BofA escrow account to BofA 's mortgage. After countless phone calls and in person visits and raising this up to supervisors at BofA nothing was resolved. Every month a credit was made from our XXXX account to BofA escrow account on time. It seemed that no one at BofA could help us resolve this issue. 

We decided to cancel the BofA escrow account because of their incompetence in making our payments on time. 

We received a check dated XXXX for closing this escrow account on XXXX. We never found out where a payment was missing since the inception of our mortgage. BofA 's response to our initial complaint through CFPB, was received and there was one sentence that pointed out where the problem was, " Please note, this check included a refund of the payment received in XX/XX/XXXX in the amount of {$1400.00} '' I am an XXXX XXXX and the horror you have put me through since the inception of my mortgage could have been resolved over this two-year period with the countless phone calls visiting branches imploring for help and assistance. 

Please review the letter received.
Consumer complaint received 2018-03-09
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. (TX)

The whole year of 2017 i had sent letters after letters to XXXX  and Transunion complaining to them that my files are crossed filed with my fathers, hes a XXXX and I am a XXXX.The item is a Repossession of acc #  XXXX that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have disputed inaccurate and incomplete information on my reports for over 1 year since XX/XX/year>. The credit reporting agencies has failed to do a proper re/investigation. This violates my consumer rights. As a consumer, I have the right to dispute any inaccurate information on my credit report, and the credit bureaus must investigate your disputes promptly. 

See attached
Consumer complaint received 2019-09-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

In XX/XX/2019 I purchased a MoneyGram for {$260.00} to pay my car loan to XXXX XXXX XXXX XXXX. XXXX XXXX never received the Payment. They did an exhaustive search and could not find it. I then went back to MoneyGram to find out what happened to the Money Order. They sent me a copy of the Paid Money Order and said they paid XXXX XXXX. I went to XXXX XXXX to recover the money and they said they could not help me. I then filed a complaint with CFPB against XXXX XXXX and they responded with a letter that they could not help me, I need to contact MoneyGram to help me. I had done that already and they told me to go after XXXX XXXX. I am attaching all my correspondence that I sent to CFPB with my complaint against XXXX XXXX plus my Complaint against XXXX XXXX and XXXX XXXX Response Letter.
Consumer complaint received 2019-08-26
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. (NV)

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Consumer complaint received 2019-08-26
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: WELLS FARGO & COMPANY (NY)

I have just started a new business and applied to Wells Fargo to set up a small business account. On XX/XX/2019 I was emailed pre-filled documents to sign and send back as part of the application process - I just opened the links in the document emailed to me and one of the forms has another customers information filled out including his full name, phone number, business name, EIN and SIN. 

I have reported this to Wells Fargo and they are apparently investigating. They are also looking into whether my personal details were also shared with this customer or anyone else, I am waiting on the results of the findings. 

I am very alarmed and concerned by this incident and want to report this incompetence, invasion of privacy and security risk to the authorities. 

I have also had other issues of incompetence and unprofessionalism in dealing with Wells Fargo business department and do not feel comfortable or safe banking with them. 

In order to protect and include the other customer is this report his name is XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2019-08-26
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)

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Consumer complaint received 2022-01-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (DE)

HIPAA VIOLATION. On the date of XX/XX/2021 XXXX XXXX and XXXX XXXXs illegally disclosed private health care information to XXXX or more unauthorized parties. A packet containing personal health information that is covered under HIPAA was sent via mail from Transworld Solutions Inc without written consent or signed authorization.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX continues to call, leave messages, and inquires about how to contact the person they are attempting to collect a debt from. 

They have called on XX/XX/XXXX, they left a message for XXXX, stating it is important to call them back to resolve this issue. I called them, asking what this was about. They stated they are attempting to collect a debt from XXXX. I told them I am NOT _________, she is my ex-daughter-in-law. She and my son have been divorced for years. Quit calling me. They then asked if I had any contact information for XXXX or could I give her a message. I said, NO. quit calling me. They said they would take my number off of the account. I said, you have told me that twice before. They stated they will no longer be contacting me. 

On XX/XX/XXXX XXXX XXXX again called leaving a very lengthy message regarding ________ with an issue she needs to take care of immediately with XXXX XXXX XXXX XXXX. Again, I called them and told them, this is not my debt, I am no longer related to ________, STOP CALLING ME!! Again they said they would take my number out of the system. I even talked to a supervisor. I said, you have told me several times you would take my number out of the system and yet you continue to call, leave messages regarding ________ debt ( which is a direct violation of FDCPA Rules ) and continue to ask me for contact information for ________ ( also a violation of FDCPA Rules ). Again they stated they would take my number out of the system. I stated, I don't believe you because you have called me a total of 4 times, twice leaving messages, 2 times I answered and told you to QUIT calling and 2 times I called you directly to QUIT calling. I then told them, I have no reason to believe you will stop harassing me and am going to file a complaint with the Consumer Financial Protection Bureau. 

I have the voicemails to prove these claims!! 

XXXX Names intentionally left blank to protect the identity of debtor. )
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

I HAVE BEEN TRYING TO RESOLVE THIS ISSUE SINCE XX/XX/2018, WHEN OCWEAN SET UP MY LOAN MODIFICATION. AFTER PHH TOOK OVER EVERYTHING WENT FROM BAD TO WORST. I RECENTLY RECEIVED A LETTER IN THE MAIL, AS DID MY HUSBAND, WE RESPONDED THE SAME DAY, WE MOST DEFINITALY WANTED A FACE TO FACE TO FINALLY STRAIGHTEN THIS ALL OUT. WE HEARD NOTHING BACK, CALLED ESCALLED IT TWICE AND STILL NOTHING. THIS WEEKEND WE RECEIVED A FORECLOSURE NOTICE AND THE POSTMAN LEFT A NOTICE TO PICKUP MAIL AT THE POST OFFICE, MY HUSBAND WENT TODAY AND IT WAS TWO MORE LETTERS TO SET UP A FACE TO FACE. I CALLED, PN HOLD 34 MINUTES THEN THE LINE HUNG UP, CALLED BACK, THE NME ON THE LETTERS AND THE EXTENTION WERE NOT RECOGNIZED BY THE SYSTEM. I WAS UNABLE TO GET THROUGH TO AN OPERATOR BECAUSE HER BOX WAS FULL?? I AM SO IRRATED BY THIS WHOLE THING AND DESPERATLY NEED TO HAVE SOME INTERVENTION.
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,
Consumer complaint received 2018-03-13
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. (TX)

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT, TOO MANY INCORRECT LATE PAYMENT, DIFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME APPEARED ON MY EXPERIAN CREDIT REPORT.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/18 I applied based on an offer from Capital One Auto Finance via their electronic application process. I received an approval and the contract to electronically sign and return. I did so immediately. The actual document and email I received stated Congratulations your application has been approved. 

On XX/XX/18 I received a call from a representative with Capital One Auto Finance stating they were not going to fulfill their agreement of the approval because I had a dismissal on a Chapter XXXX. I asked for a supervisor and spoke with a XXXX at XXXX extension XXXX who stated they would not proceed even after I received full confirmation of an approval. 

I have the email and the cover letter and the Loan and Security Agreement to validate my concern and claim. 

This is an unfair practice to have me approved, sign loan and security agreement disclosures and then call me to cancel the agreement. If the shoe was on the other foot I am certain they would say well you agreed and you have to meet the terms ; so should they be compelled to honor their agreement.
Consumer complaint received 2019-09-03
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. (VA)

A short sale was negotiated between my lawyer and XXXX XXXX servicing center for the following property : XXXX XXXX  XXXX XXXX XXXX, FL XXXX The short sale was approved and final closing occurred on XX/XX/XXXX and XXXX, 2019. 

I signed on the XXXX at the Title Company office and the buyer signed the following day. 

The total amount owed on the property was approximately {$110000.00} and a sale was negotiated for approximately {$85000.00} The Title Company confirmed that the negotiated amount was sent. 

A property search clearly shows that the buyer is the owner. 

XXXX XXXX keeps reporting to Transunion that I owe a balance of approximately {$110000.00}. 

I have disputed this at least twice, and I get no mail with no explanation. The Transunion credit report still shows this balance. 

In fact, I have not received a single piece of mail from XXXX XXXX since the closing. 

I'm not quite sure how after over 9 months, they still consider this an open account? 

If it's open, why does the balance show {$110000.00}? 

I don't know what the XXXX credit bureau is reporting. But it's possible that is incorrect as well. 

One of the attachments shows a screen shot of XXXX County showing a new owner. 

I mailed XXXX XXXX FCRA compaint by mail and they never responded to it. ( attached )
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (NV)

On XX/XX/2021 I sent a letter regarding inaccurate and unknow things on my credit report. To this day over 38 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 38 days so they must be deleted as soon as possible. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX || Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of XXXX XXXX. XXXX || Date of XXXX XXXX. XXXX || Date of XXXX XXXX. XXXX XXXX || Date of XXXX
Consumer complaint received 2022-11-19
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. (TX)

XXXX XXXX XXXX has reported an account as delinquent for the period in which the account was enrolled in and authorized XXXX forbearance. 

They have reported 12 months of late payments, although the account was never late, enrolled in a CARES ACT anpproved program and has been out of forbearance since XXXX of XXXX.
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (PA)

The CBE Group (XXXX XXXX) contacts me numerous times throughout the day in an attempt to collect a payment that is slightly past due. Approximately every two hours I get a phone call from the same phone number that never leaves a message. The only reason I am aware of who the company is, is because I have made attempts to contact the nunber that calls and hangs up about 5 times a day. I have asked not to be called this frequently as you will get much further by calling once, and leaving a message so I can call back. If I block the number for calling too often they will just call from another number, and use the same repeated tactics. I wish for this company to stop harassing me. Just today I have received three calls already and it is barly XXXX. If thats not bad enough, they have called my parents, and in-laws numerous times even though they have been informed that I can not be reached at those numbers.
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

Pursuant to 15 USC 1681b ( 2 ), I have requested that this unverified debt be removed from my credit file from the original creditor XXXX XXXX XXXX XXXX XXXXXXXX and the debt collection agency, Sunrise Cred. I have no business dealings that include a contract with my signature to either party. Both parties have attempted to verify this debt with personal information I have provided in previous communication with them. This is my last request for the alleged debt to be removed. Failure to remove from credit file will result in actions to seek monetary relief for damages as a result of the erroneous filing to credit file
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

During the month of XXXX an unauthorized XXXX  was made in the amount of XXXX. Upon noticing the XXXX I immediately called my bank and told them about the fraudulent transaction.Wells Fargo gave me a temporary credit and days following denied my claim and reversed the credit ending in my account being negative XXXX.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a venture credit card with capital one. I had lost the card and requested a new card. After few days, a screen popped up on capital one mobile app asking if I would like to upgrade my card from venture to quicksilver. Comparison showed that currently I am getting XXXX reward for every dollar and with new card I will be getting XXXX. Rest of the terms are same. Who will not upgrade it? I accepted it, but after conversion I see that all my miles have been converted to dollar. Miles had more values. I called capital one back that your comparison did not mention that miles will be converted to Dollars. They said that I can not go back and ended up taking dollars than miles. This is clearly a fraud for having customers take the cash back than dollars which has more value. I was upset and ended up closing the account with them.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (TX)

My rights were violated by Experian and I demand the inquiries be removed from my credit report as they are causing my life harm. 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 an account without my written consent. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

I've been banking with XXXX XXXX XXXX for 2 years now and I've always had issues with the bank charging me unrelated and unnecessary fees ... I have reached out several times to correct this problem but I cant seem to get the bank to Understand my problem. Upon opening my account I was presented information just to get me to open up an account but a few months later things changed ... I have over {$700.00} in overdrafts and return items fee on my account ... Upon opening the account i was told that BBVA doesn't charge for those Items that wasn't authorized but I was ... when i called to dispute those charges the representative hung up on me after 20 of being on the call. For the last 3 direct deposit I've had it was taken  away from me for fees the bank charged me ... Please help me with this matter ... .Ive call and I cant seem to get any help!