davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$420.00} XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

Gentlemen, I had an account with XXXX ( XXXX XXXX  ) it went to Collections. XXXX XXXX XXXX, XXXX was assigned the account. I settled and paid this account XX/XX/2019. Since then A debt collector named Resurgent Capital Services claim I owe this account thru them. They claim the account numbers do not match. I contacted XXXX XXXX  directly and they stated this account was sent to XXXX XXXX XXXX, XXXX. I have contacted Resurgent Capital Services and they refuse to accept this. I also confirmed with XXXX XXXX they I only had 1 XXXX Account.
Consumer complaint received 2022-06-12
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: ENCORE CAPITAL GROUP INC. (NY)

Despite providing specific information to the credit reporting agency as to the dispute, the credit bureau did not require the reporting company to verify that information. Rather, the allow the collection agencies to " verify '' a debt by simply looking at the account information and seeing the name on the account. When specific information is provided, the credit reporting agency has a duty to make sure that it actually " investigates '' that dispute, not just the name on the account.

In this case, I disputed the charges, not the account. However, the credit reporting agency only required Midland Credit Management to verify the name on the account. This does not meet the requirements of the Fair Credit Reporting Act
Consumer complaint received 2018-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I believe Navy Federal Credit Union has been charging me interest on late charges in addition to interest on the principal. I understand interest applies to the principal. 

I also believe the Credit Union has been reporting late charges and interest on late charges as part of my balance to the 4 credit reporting agencies. 

My personal loan matured in XX/XX/2018 and I made my last payment in XX/XX/2018, however my balance is over {$2000.00} and continues to grow each day. I believe the Credit Union is also using compounding on these fees which is increasing my balance each day.

Although the Credit Union has provided my payment history the breakdown does not answer my question about interest on late charges and credit reporting of the same. The spreadsheet has 7 columns, all self-explanatory except a " P3 ''  column that has no description. The line items are self-explanatory except " Late Fee Capitalization '' which I do not understand.

As of this date the Credit Union has not answered my questions. As of this date I have not made any other payments since my XXXX payment. My loan matured in XXXX and I made what I thought was the last principal payment in XXXX. The late fee balance is increasing each day and is {$2000.00}. I have not made any other payments because I do not know what I'm paying for. 

These questions remain? 

1 ) Have I been charged interest on late charges ; and, if so, the total amount of interest charged " on late charges, '' not principal, over the duration of the loan? 
2 ) Has interest on late charges and late charges been reported in my loan balance to the credit reporting agencies? 
3 ) Exactly what does my current balance represent? I do not know and that's why I am not paying.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I completed a re-fi on my mortgage with Wells Fargo and XXXX XXXX on XX/XX/XXXX. 

The closing completed on XX/XX/XXXX at which time my new loan was set up by Wells Fargo. 

I took some money out and had my equity line of credit rolled in. 

After several escalations to XXXX, my e-check was delivered via email on XX/XX/XXXX. ( They kept on telling me to check spam/junk and trash ), but the check was never issued until I contacted them multiple times. 

Meanwhile, as of XX/XX/XXXX, my equity line of credit has not been paid out. I have contacted both XXXX ( long wait times and I leave a voicemail ), and Wells Fargo ( customer service reps do not know how to resolve, and the loan agent has simply acknowledged " I appreciate your frustration '' but after multiple follow ups, this hasn't yet been resolved yet, although she says she is " working with the title company '' ). If this truly priority, it would have been resolved by now. Meanwhile, I am being charged interest on my new loan, and the equity line of credit. Points of contact at Wells Fargo : XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-04-07
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. (NC)

I was submit a complaint with XXXX XXXX  about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed onXX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed (TX)

XXXX keeps calling random people claiming they can not reach me and ignores my multiple emails trying to contact them. 

I have emailed XXXX over 40 times and havent received XXXX single direct response to my emails. 

They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my current complaint ). 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which both he and XXXX were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX guarantees the loan in the event that I dont pay Navient which as confirmed by the DOE FSA Ombudsmans and why they wont get involved. 

Its not rocket science simply directly and specifically address my points I need the following directly answered : XXXX ) Because XXXX is the original creditor they CAN contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and XXXX refuses to acknowledge it and confirm that Email and my po box only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with XXXX parties XXXX ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? 

I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-09-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (TX)

Contacted XXXX XXXX to resolve the amount and was advised to contact the collection agency Springs Oak Capitol LLC. Contacted Springs Oak Capitol to resolve balance owed from XXXX XXXX in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from XXXX XXXX to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to XXXX. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.
Consumer complaint received 2018-04-14
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. (MS)

I have been sending disputes to Transunion every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either.
Consumer complaint received 2021-12-06
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. (NY)

It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month auto loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXX  XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2018-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MT)

I been victim of identity theft then inquiry without my knowledge from XXXX XXXX exquifax too XXXX is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX disorder then now I am not sure what else to do anymore then all my credit report XXXX beaten me up bullied and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX  off by police and sheriff and feds then plus treated as a XXXX XXXX to abuse the XXXX and XXXX and my family too doing this to me since XX/XX/1977 too and growing up so XXXX  since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no one will help me to get me out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a XXXX or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything
Consumer complaint received 2021-12-06
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: CITIBANK, N.A. (CO)

Reserved and paid hotel travel with thank you rewards trip ID XXXX member ID XXXX. Reservation was subsequently shortened one night, documents confirming this requested by and provided to citibank, case file # XXXX. Many subsequent contacts initiated by me with refund of {$140.00} promised each time- never received.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$1600.00}
Consumer complaint received 2020-01-30
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. (FL)

Equifax is not doing a thorough investigation into a collection account on my credit report. Both XXXX  and XXXX   removed the account after investigating within just a couple days. I'm on my third dispute with Equifax and I do not believe they are actually contacting the collection agency to verify anything.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (WA)

I had my loan payment on auto pay for {$3000.00} per month. I set it {$50.00} higher than the required payment ( {$2900.00} ) to accommodate changes in the escrow amount. 

At the end of 2022 the escrow increased the monthly payment to {$3100.00}. The XXXX auto pay processed at {$3000.00} on XX/XX/XXXX. Rocket Mortgage did not apply the {$3000.00} payment. Instead it held the {$3000.00} unapplied and then hit me with a {$110.00} late payment. 

I am asking that the late fee be removed or at least calculated on only the late sum. 
XXXX Mortgage {$3100.00} XXXX Payment {$3000.00} Late amount {$130.00} Late Fee {$110.00} As a percent of the late amount this would be an 89 % late fee which is an exorbitant late fee. 

I have made an additional payment for XXXX for the short payment and the late fee. XXXX forward the auto pay has been updated to {$3100.00} to cover the new monthly payment of {$3100.00}.
Consumer complaint received 2021-12-06
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. (CA)

On XXXX I mailed a dispute letter disputing inaccurate accounts that have been involved in identity theft that are still showing on my credit report. I never received a response and has been well over 60 days. Therefore, I submitted a complaint on XXXX with all of the documents I mailed on XXXX and EQUIFAX replied saying they needed legible identification to proceed. This is a stall tactic for them to not follow federal law because I submitted legible identification which was my DRIVERS LICENSE, SOCIAL SECURITY CARD, and a utility bill that has my current address. I am submitting the complaint again because they are infringing on my consumer rights!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

FOLLOW-UP TO COMPLAINTS ID # XXXX & XXXX XX/XX/XXXX Re : Rocket Mortgage,XXXX XXXX XXXX, XXXX, Michigan XXXX ( XXXX ) XXXX rocketmortgage.com XXXX Loan # XXXX XXXX ) After I sent complaints to CFPB that Rocket took advantage of senior citizens forcing them to continue to pay their mortgage at pre-pandemic high interest rate, Rocket gave me the 3rd refinance package, which lowers the interest rate, but increase the loan fees, and increase cash closing from borrower. So it's pay now and save later. 

2 ) They wanted to get 2 tax returns for XXXX & XXXX from me, which I faxed immediately, but refused to remove it from Completed Task. Why?

3 ) They also wanted me to pay Flood Insurance, get a Declaration Page, and have the Flood Insurance agent call them. 
I protested, saying that I already paid flood insurance via escrow within the same mortgage company. Why do I have to pay again, when I am not even sure that I will get the refinance loan? 
I had to fax them from my current loan statement the Annual Escrow Account Disclosure Statement which shows that I already paid Flood Insurance via escrow. 

This is very shady and deceitful practice for uninformed borrowers. 
You just pay and pay as they say. 

Yes, I will save {$150.00} a month, but the life of the loan will be lengthened by 2 more years of payment. On top of that, I have to pay {$6000.00} for loan fees because the principal increased from 142K to 148K. Additionally, the closing cash went from {$630.00} TO borrower, to {$800.00} FROM borrower, to {$1000.00} FROM borrower. 

Talking about loan sharks!!!