davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I closed my loan with XXXX XXXX back in XX/XX/2021. When we close the monthly payment was {$1500.00} and that was what I was paying for the 1st couples months directly to XXXX. Then this month I received a letter from SPECIALIZED LOAN SERVICING LLC stating my account has been transferred to their company and my new monthly payment is {$1800.00} which is very different to what I just paid last month. So I contacted the new servicer to dispute that new monthly payments as well as asked for clarification. My PI is about {$1400.00} so for some reasons the monthly escrow amount changed during the transfer period. However my insurance and taxes did not change. so I have asked the first agent with who I spoke to help me understand why this big change in payment. She agreed that the numbers did not match and she was going to investigate and call me back, which she never did. On the other hand, I have already made the regular {$1500.00} payment for XXXX directly to the previous servicer and I mentioned that to the lady with who I spoke on the phone when I first called Specialized. She told me not to worry and the previous servicer should be sending the payment to them. However, I have been getting multiples annoying calls from Specialized about my account being late when indeed it is not. This has became harrassing to have agent calling you almost every single day when nobody is actually trying to figure out the real issue. The escrow amount needs to be adjusted to reflect correct numbers. My insurance is about XXXX XXXXmonth and the taxes are around XXXX XXXX/month. I have attached both documents for proof. 

This is not my first issue with this servicer. They have the worst customer service, are horrible at fixing issues or returning emails. I filled a complaint last year for another account that they are also servicing which has never been reported to the credit bureaus ( LOAN # XXXX ). From the company previous response I was told this account was going to be reported on all 3 bureaus but it has now been 2 years I have owned this account and it has still not been reported to any of the bureaus. This is unprofessional and unfair. 

This servicer needs to be investigate as the way their are doing business is unfair and maybe illegal as their are not following the rules.
Consumer complaint received 2021-06-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I've reached out to this company several times in order to receive verified proof that this is my debt, that this company is legal obligated to collect on this debt etc. The company has failed to respond in the 30 day time span they are allotted on many occasions. I've been reaching out to NCA for their violations of the FDCPA. This account has been re-aged and placed back onto to of credit reports. This account is also passed the statute of limitations for collecting a debt in the state of Alabama.
Consumer complaint received 2022-10-11
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. (NY)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-07-06
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: FC HoldCo LLC (NY)

I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on  another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

Dear officer, I am filing this complain for my US Bank Altitude Reserve card {$400.00} annual fee reimbursement. I called them last month to cancel this card and I was told I would be reimbursed for that annual fee at the following billing statement, and I need to call their customer service to get that {$400.00} credit to my bank checking account or to be sent a check to my house. But today when I logged into my account I can't even see that credit card account. And when I called the customer service they seem like have no clue for this {$400.00}. And right now I feel so helpless since I don't have access to my card nor account information. The physical card was also sent back to US bank as their requested.
Consumer complaint received 2021-11-18
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX  XXXX {$1300.00} XXXX {$28000.00}
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MN)

we tried closing an account with Chase credit card in XXXX. We paid off the balance they said we owed. They did not close the account. Automatic donation payments continued to be withdrawn. Chase then stoped sending paper statements. Chase never notified us of the change to electronic billing. WE CALLED TO DISPUTE the additional charges and asked again that the account be closed. We simply got the run around. T that point we hired an attorney. She wrote two letters ; one on XX/XX/XXXX, the other on XX/XX/XXXX. Chase never responded to her. To reiterate, Chase has been uncooperative and unresponsive with this disputed claim. They send my statements to my attorney in such a manner that they arrive at her office just before they become past due. Yesterday our attorney resigned and told us to contact you.
Consumer complaint received 2021-04-16
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: Avant Holding Company, Inc. (AZ)

I opened an Avant loan in XXXX for approximately {$6000.00}. The account was refinanced with a new balance of approximately {$9500.00} and all payments were made on time. In XXXX XXXX as the pandemic engulfed the world, Avant transferred my account to a special temporary program that would lower my payment from {$430.00} per month to {$210.00}. This new plan began in XX/XX/XXXX with an initial due date of XX/XX/XXXX. I set up an auto pay with XXXX XXXX and the check was sent on XX/XX/XXXX. Please see attached bank page. However, Avant cashed the check but did NOT apply it to my account correctly. I have confirmed information of the check being cashed on XX/XX/XXXX making it ON TIME! I have attempted repeatedly to have this corrected. I am additionally attaching emails that were sent to me by Avant that were intended for another customer named " XXXX '' as evidence that this company was perhaps confused with my account. I do not even know a XXXX.
Consumer complaint received 2018-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

the company Carrington mortgage, is trying to foreclose on our home, they are trying it as of now XX/XX/XXXX, claiming we missed on our payment program, they are now in the process, of trying to foreclose on us giving us no opitions, they are being very sneaky not wanting to help us.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

I have student loans duplicated amounts on my credit report. Each of them was under  XXXX   XXXX .  Navient  has assumed all the responsibilities previously performed by  XXXX   XXXX  as a federal loan servicer to handle the billing and other services on federal student loans. Then, Navient switch to  Education De partme nt Navient th at causes the student loan duplication issue.  <P/> Understanding the problem, the credit report shows both :  XXXX   XXXX /Navient and  Education Department Navient duplicated with exactly the s ame balances.  XXXX   XXXX  never marked the transferred accounts as " closed '' an d Education Department Navient still " Open - Current ''.   XXXX   XXXX  /Navient does not mark the acco unt as closed after they switch.  <P/> I contact Navient hundreds of times and they never accept the error and never perform any investigation in relation of it. They only p rovide a   XXXX   XXXX   address to send any complaint letter to Navient Fraud Department. I sent a lot of letters and they never answer. I 'm trying to fix this more than 9 years.   <P/> They continue reporting late payments also under forbearance every months. I 'm desperate, because they destroyed my credit and continue calling me, but never accept the duplicated error. Again, I 'm sending a lot of disputes letters and they never answer.  <P/> I also verified my original Student Loans documentation  in the National Student Loan Data System  and shows double quantities ( error ) between  XXXX  University and  XXXX   XXXX /Navient.  <P/>   XXXX   XXXX  /Navient are thieves and abusers. They know exactly that they are doing.  <P/> They never provide me the original instrument of ended nest is his original form. Therefore and under the law, I am not liab le about any financial obligation issued by licensed financial institutions following the FDIC Law PART 1020.
Consumer complaint received 2021-11-18
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 — Investigation took more than 30 days
Company: OneMain Finance Corporation (LA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-18
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. (GA)

In both respective reports XXXX and XXXX Equifax is violating my FCRA 15 USC and continues to respond that changes are made instead of deleting the entire reporting as requited by the law. 

I have recently filed a complaints XXXX and XXXX addressing Equifax repeated violation of my FCRA act rights protected Under 15 USC 1681b - permissible purpose of consumer reports, with the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 60 day late payment reporting for XX/XX/2021. 

THE LAW CLEARLY STATES IN GENERAL that a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given EQUIFAX written instructions to furnish this on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Failure of Equifax to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against them provided by the law, for which I will also be seeking {$1000.00} per violation for which will include Defamation of Character ( per se ), Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, and Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for liability for willful noncompliance [ 15 U.S.C. 1681n ] Equifax response in both complaints XXXX and XXXX as attached here make changes to the reporting and stating Consumer Disputes this account Information while still in violation of my FCRA with the transactional details the law excludes Equifax and other credit bureaus from reporting. 

Equifax present a constant reference to investigate with the reporting agency as a inapt procedural method they have to follow to address my concern, which is in fact an unnecessary act. Equifax is the law breaker here. Equifax is required by law to specifically address this issue and not give an invalid response that they need to investigate with reporting company who has no ability to violate FCRA 15USA 1681 on my consumer report because they are not the reporting consumer agency in control of the excluded transactions history being reported in my consumer files as Equifax themselves are in control of this violation.
Consumer complaint received 2021-11-18
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (FL)

On XX/XX/2019, and XX/XX/2019, I received a letter by mail stating I owed a debt and this was an attempt to collect this debt. The company is Account Resolution Services and I have asked them twice to Validate that this debt belongs to me and a Failure to Validate Letter. On the letter, I received it is stated I owe, {$950.00}. 


I will be sending a similar letter to the major credit bureaus as well. 
I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. 

This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me.
Consumer complaint received 2017-11-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I currently have two auto leases with XXXX. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to XXXX.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/, XXXX has XX/XX/, Experian has XX/XX/. All three can't be accurate or correct. FCRA requires you to fix it or delete it, or blocked it.
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

I have tried several times to have chargeoff removed from my report, XXXX XXXX XXXX has reported an account that I was never aware off without any warning, My Legal name is XXXX XXXX and they have me as XXXX XXXX, Not one letter has never been mailed to me and I have never opened a XXXX acount, Please remove ASAP as this matter has effected my life and is currently effecting my future.Thank You.
Consumer complaint received 2018-03-27
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. (GA)

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and Experian and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX   reported on my credit as paid in full because two different insurance companies paid them.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MS)

Contacted me stating i applied for housing at " XXXX XXXX  ''. I do not live there nor have I tried to. I was already in a house of my own in another city. Means were done online only with my personal information. {$210.00}. Police report filed for identity theft. Police report # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I wanted to share with Wells Fargo that my family and I have submitted my XXXX CFPB complaint and response today due to the lazy, incompetence of the executive office team, conveniently finding data that benefits Wells Fargo and no one else but a greedy bank and much much more. Wells Fargo left our family high and dry and talked to us like we were lower than dirt, yet conveniently cant find any phone recordings even though I was told countless times all calls are recorded. Our family called in over 25+ times and Wells Fargo can suspiciously only find <8?! We will continue to show my proof ( the truth ) and we will continue to submit CFPB responses and Office of the Commissioner of Currency to liken the chances of Wells Fargo being investigated for corruption, lying, misleading customers, etc. We will not stop until this is appropriately resolved and now starting to contact media outlets to share our story on a macro level. Other consumers must be warned of this unethical, mean and lawless behavior Wells Fargo continually exhibits. The media also is good at tracking down the truth and the truth needs to be told. Theres a history of poor business practices, taking advantage of customers and breaking the law from Wells Fargo, we plan to be the light for as long as this takes us and the hundreds of man/woman hours our repeated complaint filing will continue to produce. The time away from my work and our family continues to grow day after day due to us being swept under the rug conveniently by Wells Fargo; were seeking damages more and more. Wells Fargo inconsistently closed ALL OUR ACCOUNTS, leaving our middle class family with no liquid cash, I was over a XXXX miles away for work from my wife and young kids and was at our most helpless moment due to the attack and hijacking of our money by Wells Fargo. I was also told, XXXX XXXX, I can not give you financial advice why I inquired to how we were going to pay for food due to Wells Fargo! It took almost XXXX weeks to get our money back! We will not stop or magically go away, Wells Fargo needs to right this wrong ; this is strike 3 after closing our complaints with no eye for the truth and we plan to expose the truth. 

Poor Wells Fargo Investigators thus far : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Regards, XXXX