davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to remove XXXX recognized inquiries from my accounXXXX XXXX XXXXXX/XX/XXXX transuion. XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX I dont reconocieron this inquires
Consumer complaint received 2020-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

It was Around XXXX to XXXX on two capital one accounts. I have called numerous times and told them of my sister stealing my purse and using cards. I have provided them with information to resolve. She purchased gift cards to sale on streets for drugs and I am being held responsible for these charges. I have ask them begged to them cried to them. She had my driver license social card all in her possession. I have been paying these charges over 2 years with no help to clear this up. The first card {$4200.00} with a XXXX credit line she over charged the 2nd card XXXX limit maxed out. Please help me.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I tried to access my account through my mobile bank app this morning at XXXX and I was n't not able to log in. I tried several times before I called the customer service # on the back of my card ( XXXX ) at XXXX. I was then told by the rep that my liquid account had been closed since XX/XX/XXXX and that I had a zero balance and it was because there was n't any activity on the account since XX/XX/2016. I informed her that I just set up direct deposit through my employer on XX/XX/XXXX and that I WAS NOT AWARE that they closed the account and asked her why did n't I receive and email or letter? The rep then told me that Chase does NOT notify you until 5-7 business days after that the account has been closed. I then went to branch location around XXXX to see if they could re-open my account so I could access the funds today and I was told that I would have to open a new account. The teller also confirmed that the funds were not pending but he was able to see that {$940.00} was suppose to be deposited. I then spoke to my employer who said that the funds are with Chase and that they have to release them back to the company in order for me to get paid. So I called the customer service # again with my employer and myself on the line and they told me that it would take 2-3 business days for me to have access to the funds if they were released back to the company or if I wanted to open another account with Chase and deposit the funds from my old acocunt to the new account. 
I 'm extremely frustrated due to the fact that I was NOT informed on XX/XX/XXXX or XX/XX/XXXX that the account was closed or would be closed for any reason. Had I not called, I would n't have known and that to me is highly unprofessional and shady.
Consumer complaint received 2015-05-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Sortis Financial, Inc. (KY)

I started a deed to land contract with XXXX XXXX XXXX XX/XX/XXXX. The loan was then sold to Clear Spring Loans XX/XX/XXXX. This company then started to report this as a conventional home loan/mortgage. I have never had a home loan or mortgage with this company nor any other company and I am looking to have this and all record of it removed from my credit report. I have repeatedly contacted this company in writing and in phone calls to have this resolved and have not been given anything in writing and definitely nothing in the phone calls. They have since started to report incorrect late payments on my report and have stopped reporting ontime payments. They are intentionally hurting my credit.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

Once again, Equifax denied me a the yearly free credit report I 'm entitled to. I answer all their questions correctly, but they denied the report nevertheless with no explanation whatever. For how long are you going to allow them to get away with this practice, as it is a violation of federal law?
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that EXPERIAN, XXXX and XXXX eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.
Consumer complaint received 2017-04-26
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: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in  XXXX  o f 2008.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that XXXX, XXXX and TRANSUNION eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.
Consumer complaint received 2022-02-12
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: 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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

THE COMPANY NAME WAS   XXXX   XXXX   XXXX   THEY WOULD NOT GIVE ME THERE ADDRESS ON  X/XX/2017    THERE PHONE #  XXXX  REFRENCE #  XXXX  THEY TOLD ME THEY WERE GOING TO TAKE MY  XXXX  VECHICLES AWAY PLUS GARNISH MY WAGES WHICH IS SS.THE DEBT WAS FOR {$1600.00} FROM HSBC THAT DEBT WAS PAYED IN FULL THRU MY BANKRUPTCY IN  XXXX  DISTRICT OF ILLINOIS  XXXX  DIVISION. I HAVE ALL THE PAPER WORK CASE #  XXXX
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NAVY FEDERAL CREDIT UNION (CA)

This is in regards to the Navy Federal settlement. I was affected by their debt collection practices over the course of several years dating between XX/XX/XXXX-XX/XX/XXXX. My account access was frozen now allowing me to log in and pay debts. Additionally, just recently, they have not reported a consumer loan as " paid '' on my credit report. The loan was paid off XX/XX/XXXX. My credit reports still reflect " 60 days past due '' which was in dispute to begin with. I was making monthly payments on the loan but somehow it still fell behind 60 days.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (NV)

My mortgage loan was modified in XXXX XXXX. However, my servicer Roundpoint, has not reflected my loan as modified since then. I have been fighting with them now for two years and I finally hired an attorney earlier this year to help me. As you can see from the attached my loan was modified in XXXX XXXX directly by the owner of my loan. As you can also see from attached my mortgage statement for this same loan shows me due for XXXX/XXXX/XXXX back in XXXX and now XXXX/XXXX/XXXX. I have no idea how they are coming up with these dates as my loan was modified and should have been brought current as of the date of my modification on XXXX/XXXX/XXXX. My attorney was advised by Roundpoint that they requested me to submit another full application so they could attempt to fix this issue. My attorney submitted my full and complete application on XXXX/XXXX/XXXX and to date Roundpoint has not yet issued a decision. They keep asking for more paperwork every month and then let it expire and then ask for it again. I am told by my attorney that RESPA Reg X requires the lender to make a decision within 30 days of the application REGARDLESS if it is not completely complete. My attorney has an in house underwriter that put the file together and they state the lender ( Roundpoint ) has enough information to make the decision. I am not eve sure what decision they need to make as they have ROYALLY messed up my mortgage and it is on them to fix it. # 1 ) I was modified and my servicer never reflected it in my statement # 2 ) This is not my fault and the fact that my account is now past due and really messed up is either the servicer 's fault or my investor 's fault. It DEFINITELY is not my fault. # 3 ) My servicer needs to STOP EVADING reviewing my file as my attorney is billing me for work each time Roundpoint stalls and does n't make a decision as required by RESPA Reg X. I am being financially harmed by this illegal action. In another week it will have been 5 months since I applied for assistance in fixing my servicer 's mistake!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Please make them stop running me in circles and make them FIX THEIR MESS!
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson Cruz & Associates LLC (MI)

My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NV)

Credence Resource Management is a scam business based in another country - not in XXXX like they advertise. They are reporting a debt from XXXX XXXX XXXX XXXX  for {$1300.00} and its ruining my credit. I havent been a customer of XXXX XXXX XXXX in almost 20 years. I tried working with them but they always say theyre transferring you to another department but the call never reaches the correct department. The representative always says that there is no one available to take your call. He/she says this every time. The debit is invalid and not mine but they just keep reporting it. Their sister company, XXXX XXXX XXXX, does the same thing except with XXXX XXXX. All of the reviews are horrendous and talk about how both companies frequently scam consumers using cellphone company debts. Please stop this. They are really doing harm.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo talked me into making bi-weekly payments on my mortgage. I noticed that the interest on my loan was only adjusted " monthly ''. When I called and complained, I was told " that 's how we do it ''. So ... they talked me into holding my money for 2 weeks while " they '' accrue interest on it. I feel that possibly thousands of people, like myself have been talked into this scam. We should all get credit for interest lost and compensation for their scandalous actions.
Consumer complaint received 2016-10-19
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: WELLS FARGO & COMPANY (WI)

I am currently not eligible to get any student aid from school as I only have XXXX credits but yet I have to pay. I tried to get a private loan with Wells Fargo but got denied due to credit. How does one pay for school with no help?
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (PA)

On XX/XX/2021 Capital One Accounts LLC report the amount of debt of {$250.00} as derogatory on my credit report. Capital One Accounts LLC has been harassing me through repeated phone calls to verify my correct identity in which I was not aware of the debt and my personal information was sold.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

About three yrs. ago, my husband was notified re : stolen credit cards and identity theft. The people who stole his cards spent over {$12000.00} with his cards. Everyone except Wells Fargo immediately refunded our money back to our card balances. Wells Fargo kept over {$4200.00} of our money and refused to refund our HARD-EARNED MONEY. XXXX, XXXX XXXX, XXXX and XXXX refunded back to us nearly {$8000.00} by doing the right and honorable thing. How can these MONSTER-MEGA BANKS steal money away like that and get away with it? Someone needs to go to prison for this! Please help!
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans union had a computer breach in their system that violated the rights of their consumers under section 6.11 I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted, and my credit score increased.The very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of trans union and they all acknowledge that the security breach happened multiple times in XXXX but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file. I demand the following inquiries be removed immediately.1 ) XXXX ON XXXX, 2 ) XXXX ON XXXX, 3 ) XXXX ON XXXX, 4 ) XXXX ON XXXX, 5 ) XXXX ON XXXX, 6 ) XXXX ON XXXX, 7 ) XXXX ON XXXX, 8 ) XXXX ON XXXX, 9 ) XXXX ON XXXX, 10 ) XXXX ON XXXX, 11 ) XXXX ON XXXX, 12 ) XXXX ON XXXX ,13 ) XXXX ON XXXX, 14 ) XXXX ON XXXX, 15 ) XXXX ON XXXX, 16 ) XXXX ON XXXX, 17 ) XXXX ON XXXX, 18 ) XXXX ON XXXX, 19 ) XXXX ON XXXX, 20 ) XXXX ON XXXX, 21 ) XXXX ON XXXX, 22 ) XXXX ON XXXX, 23 ) XXXX ON XXXX, 24 ) XXXX ON XXXX, 25 ) XXXX ON XXXX, 26 ) XXXX ON XXXX, 27 ) XXXX ON XXXX, 28 ) XXXX ON XXXX, 29 ) XXXX ON XXXX, 30 ) XXXX ON XXXX, 31 ) XXXX ON XXXX THANKS, XXXX
Consumer complaint received 2015-10-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I recently bought a house ; the escrow company we used was suppose to pay XXXX of my credit cards, XXXX with XXXX XXXX which was covered right away within the month the XXXX XXXX was with Wells Fargo which as of today has not been paid. They have me going back and forth with Wells Fargo and the closing escrow officer. Wells Fargo tells me the check was rejected while the escrow closing officer states the funds have been withdrawn, that the check was cashed by Wells Fargo on XXXX/XXXX/2015. Im still paying interest on that credit card and yet no one can tell me where that money is to pay off the credit card.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

XXXX XXXX XXXX XXXX. 

XX/XX/scrub>XXXX XXXX, 2024 Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by Lexis Nexis Risk Solutions Consumer, a prominent credit reporting agency. 

On XXXX XXXX, 2024 a Bankruptcy Removal Letter was sent to Lexis Nexis Risk Solutions Consumer informing the credit bureau of the unverified Bankruptcy on my credit profile. 

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, XXXX has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA. 

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), XXXX is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of Ithe original signed consumer contract and/or judgments. However, it appears that Lexis Nexis Risk Solutions Consumer has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure TransUnions compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (IN)

My loans were dismissed when I was determined to be XXXX due to XXXX in 2013. I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during XXXX and it is almost impossible to pay back $XXXX in loans. I only received an XXXX!
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (IN)

I contacted the company to get information pertaining to the alleged debt. They sent me a debt validation which shows I owe a balance of {$150.00} to the school when I had student loans and financial aid. The debt is not owed. The first time the lady hung up on me. I called back and they do n't tell you there name and the person said they will not remove the debt and will still on my credit she does n't care what I say or do. Then she rudely hung up on me. I then went to the Indian a Secy of State to check them out and found they are not licensed or registered in the State of Indiana.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo offers mortgage customers the ability to pay their mortgage online for free however, every time I have attempted to do this I have received the message, " Please try again later. Wells Fargo Online is temporarily unavailable. '' So, if I do n't have time to mail my payment I have to pay it over the phone which costs {$15.00}. I believe that having the system always unavailable forces mortgage customers to pay the {$15.00} fee. Also, when I spoke with a representative about this issue he gave me an XXXX number for the tech department. When I called this number the automated system asked for my account number. When I entered my account number it said it did n't recognize that number and I could n't get any further. It does this every time I call.