davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

As most people do, I work very hard and pay my bills. I deposit my checks from work, and in return pay my bills. Before paying my bills or taking money out to give to roommates to pay my share of the bills, I check my account. I do not have the specific dates on hand as to Wells Fargo closing my account. Basically what happened is : I checked my account, paid all my bills that were due. A couple of days later, I get gas at the gas station and buy myself a soda. I check my account, still plenty of money in there. Good. Awesome. Next couple of days, get a soda from the store, {$5.00} here, {$2.00} there. Check my account, - {$600.00}. And some change. Excuse me??? Over 10 of the charges were $ XXXX/ each of overdraft fees. {$350.00}, in overdraft fees! I had even taken a picture of my check in my online statement SHOWING that my deposit had gone through. Well, as I was explained to by a banker. The bank has the right to hold on to my money, and unfortunately even though my account says I am in the green, it is my responsibility to keep accurate records of my transactions, and to not trust what it shows when checking my balance online ( the banker literally told me to not trust what their company shows me! ) They would n't take off any of the overdraft fees. So basically, they showed my deposits ( cash and a check ), as deposited/ cleared. Held on to them, so when I paid my bills and bought a soda at the store, they were taken as a negative plus a charge because they were holding my money. This resulted in me not only losing money that I had worked very very hard for, but also made me struggle to come up with extra money to pay off overdraft fees. After a month of pulling overtime, I paid the bank around {$400.00}. 8 days later when I had the remaining {$120.00}, I went to deposit the money and my card was n't working. I went into the bank and spoke with a banker. They had closed my account and sent it to collections. I had not received any notification, no email, phone call, or letter in the mail. How can they take {$400.00} of my hard earned money and close my account within days of showing good faith? The main issue was, they had already taken all of my money. I was losing money by paying them overdraft fees that should n't have been there in the first place. My bank should be trusted with my money and to not only hold on to my money, but to also be trusted to not cause their customers financial strains.
Consumer complaint received 2022-04-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

XXXX was the amount and this account is not mine and was open with identity fraud I sent over a police report and lease and they still Put this on my credit
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

On X/XX/2017, I sent a letter to Equifax, XXXX, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

This communication is in reference to Experian Credit Reporting Agency, in regards to mishandling of my credit report and allowing information to remain on my file. I have presented documents receive from data furnisher to Experian. They still have not deleted the information from my credit file according to Federal law ( FCRA ). I have sent several certified mail/ return receipt requested dispute to Experian. Recently, I even sent a dispute to the CEO of the company XXXX XXXX XXXX. I can not understand why the following accounts " XXXX # XXXX & XXXX XXXX XXXX # XXXX have been permanently deleted from Transunion and Equifax reports, but remains on Experian. Even after presented relevant documents and copies of other XXXX Credit Reporting Agencies showing deletion of the same accounts. I do not deserve to have misleading information continue to report on my credit file after presenting proof to Experian and know response to several certified mailings within the last 60 days or more. They have ignored my disputes and any/all documents pertaining to my query. Something seriously needs to be done about the American Credit Reporting System. Creditor 's and Credit Reporting Agencies have ben unfair to consumers for to long. Failure to comply with federal regulations by credit reporting agencies are investigated by the federal Trade Commission section 15 USC 41, et. seq..Please assist me in any way possible to get this matter resolve amicably. Thanks for your time and attention in regards to this urgent matter. I am trying to refinance my house, the bank do not want to see inaccurate information on my credit report. I am running out of time. I have be dealing with this issue for sometime now. These are the same companies that was on my other reports, Explain why Experian is still listing this account on my file.
Consumer complaint received 2019-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Receivables Performance Management, LLC (CA)

Earlier this year I got a copy of my credit report and saw that my report included a collection for Receivables Performance Management for XXXX in the amount of {$4600.00} for an account that was opened on XX/XX/XXXX, i disputed the account and later was updated to show that it was opened on XX/XX/XXXX. I have never had an account nor applied with XXXX for any services. When i called Receivables performance to obtain information and dispute the collection, they asked me to verify my identity and provide them my information which i did do, they then repeated to me the information they had on file - the email address they had is not mine and i did not open the account nor did i authorize for any account to be opened in my name. I asked for information on the account, date time and location of where it was opened so that i could reach out to XXXX and investigate and was told they would send me the information to the address i provided at that time. I received a bill in the mail from them for this instead of a dispute or investigation. I was told that i needed to pay for a notary to notarize a statement and then go to the police department and open a police report for this. I have no information on the person that opened the account nor was i given any information to report besides what is on my credit file. i need this unauthorized account to be removed from my credit report and to be investigated. I also need information that i had requested previously for my records. I do not have any documentation or emails on this account and have been told i can't have it removed if i don't have paperwork- i wasn't even aware of it until i checked my credit this year. How do i dispute this invalid account?
Consumer complaint received 2020-05-12
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)

I've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I was in a COVID mortgage deferment with Chase. After it ended in XXXX I was going to start paying my mortgage, which I can now. After it went through the modification Chase mortgage is asking for the Lump sum of XXXX dollars to bring my mortgage up to current because I was not qualified for repayment plan. I told them I am able to pay for the pAst due amounts and willing to pay more for the mortgage but Chase mortgage is only giving me the options yo sell, foreclose or to pay the lump sum of XXXX. All these are not an option for me because I am able to pay, even if its more then my regular mortgage amount. I do not want to lose my home. More importantly they NEVER told me when I requested for mortgage assistance that because I was two months behind that this was a possibility.if that critical information was told to me I would NOT have done the deferment and at least have caught up the past due of two mortgage payment. Please help me, I DO NOT WANT TO LOSE MY HOME. Especially now Im able to pay.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I submitted two disputes : {$830.00} each for original transactions happened on XX/XX/XXXX with XXXX. Citi let me enter only one dispute in their online system. They have this limitation in place to avoid duplicate disputes, however in my case its not a duplicate. On the same day - XX/XX/XXXX - I contacted Citi rep via app messaging to request help with submitting the second dispute, since I couldnt do it myself on the website. The rep was XXXX and she reassured me that she entered second dispute, and it should show up in my account in 2-3 days. I have screenshots of this conversation and can serve it to you. A week has passed, but only one dispute shows in the system - the one I submitted myself. I contacted citi multiple times for the status of the second dispute, but they claim they have no record of it. They advised me to call the dispute department directly. I called them three times, but I was never connected to a rep. After going through the verification steps, the call always ends with a message that the department is closed- please call during business hours ( although I was calling during business hours and they claim that they work 24/7 ). I exhausted all my patience to have my dispute handled properly. I never received a temporary credit for the dispute that I submitted through the rep. The cycle is the same : I contact a rep for help, they tell me there is no record of my referral dispute, they tell me to call disputes department - that department never answers and plays we are closed message. I am not sure what else I should do, therefore I am asking for CFPB help to resolve it.
Consumer complaint received 2017-06-08
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (NC)

Both of my parents were found died on XX/XX/XXXX 2017. My parents had a reverse mortgage which of course was there discussion. After their bank accounts were frozen, 10 days later my parents are dead  to XXXX. I am the one that called Financial Freedom and told them my parents had passed. I even sent copies of the death certificate to them, although we are still waiting on FINAL Autopsy before we can even open an Estee. But Financial Freedom, NEVER BOTHERED TO TELL ME WHEN THE COURT DATE WAS. THEY HAVE SEIZED THE PROPERTY AND IT STILL HAS MY OWN PERSONAL CHILDHOOD ITEMS IN IT. THESE ITEMS NEVER BE REPLACED. WITH LARGE LOCKS. THE DEATH CERTIFICATE IS NOT COMPLETE HOW CAN THE TAKE PROPERTY, WHEN LEGALLY THEY HAVE NOT GOTTEN A FINAL AUTOPSY? I ALSO SENT A REQUEST AT SAME TIME I SENT THERE PENDING DEATH CERTIFICATES, ASKING THEM TO PLEASE SEND A DETAILED LIST OF ALL DEBT OWED, THAT MY INTENTION WAS TO TRY TO SETTLE THIS WHEN I WAS ABLE TO GET INTO THE ESTEE.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NIC, Inc. (AZ)

Today XX/XX/2020 I called Nemos Investigations and Collections in XXXX, AZ. I spoke with XXXX  XXXX I asked her if there was a way she can write a letter indicating that I paid my {$80.00} debt collection and report it to the credit bureaus. She began to raise her voice and lecture me on how I shouldn't have done this and they sent multiple letters. I informed them I was financially struggling two years ago and that's why I had now paid this. I was not rude at all and didn't want to upset her. She said that the FDCPA and FCRA told them not to delete anything from the reports because that's our fault for not paying. IO then asked if I can get a letter sent that i paid off the {$80.00} and she refused because she said she sent one two months ago and she was not going to waste her time sending another one.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (NM)

I am having a problem with my current mortgage company submitting a requested pay off letter to the refinance mortgage company that I have been approved with. I have sent requests dated as far back as XX/XX/XXXX, more current requests such as a second written request inXX/XX/XXXX with an attached sample letter that the underwriting department of the refinance company needs. I keep receiving a pay off amount but not what the language is needed to be able to move onto the next process with the other mortgage company. I have called on XX/XX/XXXX, I had both companies explain what was the process to each other. I called again after the two parties agreed to a 2 week manual letter to be generated from current lender. I called again on XX/XX/XXXX, I was promised a would get a phone call on XX/XX/XXXX and that did not happen, I called two more times XX/XX/XXXX again message left and no call back. I have certain appraiser deadline that is nearing, among all the other new lender deadlines. I also have divorce attorneys needing this process to be done. This is way too much emotional stress that I keep having with the current mortgage company. I have been an excellent paying customer and receiving poor service.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (AL)

The following incorrect names and addresses are on my credit report. 

Misspelled/Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misspelled/Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( missing apartment number )
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I co signed for a car with credit acceptance corp and the vehicle by the insurance company has paid out for the car deemed to be a total loss by the insurance company XXXX XXXX XXXX XXXX XXXX my policy number is XXXX XXXX XXXX and XXXX XXXX effective XX/XX/XXXX XXXX XXXX XXXX and then it's still on my credit report showing 120 days late the car got paid off in XXXX due to the insurance claim in XXXX and all they did on my credit report is switch it from XXXX XXXX which the car and contract is under and they switched it to XXXX XXXX III to still receive payments from me it should not be on my credit report at all that would make it identity theft and they sent me a check book for XXXX I believe XXXX to make payments for a car that's been deemed a total loss by insurance through credit acceptance corp and I have all evidence as facts and it's been on my credit report holding me back from other things
Consumer complaint received 2020-07-21
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. (CA)

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX  ( TU  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Inaccurate late reporting : XXXX XXXX - ( TU, XXXX  & XXXX  ) ; Opened - XX/XX/XXXX ( TU  ) ; Opened - XX/XX/XXXX ( XXXX & XXXX  ) ; Balance - {$6500.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( TU, XXXX  & XXXX  ) ; Opened - XX/XX/XXXX ( TU ) ; Opened - XX/XX/XXXX ( XXXX  & XXXX  ) ; Balance - {$800.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX XXXX XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 

XXXX XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 


The following accounts are reporting either due to error or Identity Theft, Please remove the following items : XXXX - ( XXXX, TU, XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Bal : {$360.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$6100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$200.00} ; This account belongs to someone else or it is a direct result of identity theft. 

So XXXX XXXX XXXX - ( XXXX  & XXXX ) Opened - XX/XX/XXXX ; Bal : {$0.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  & TU ) Opened - XX/XX/XXXX ; Bal : {$18000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter.
Consumer complaint received 2021-09-14
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: I.C. System, Inc. (PA)

XXXX is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. XXXX violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2020, I disputed several collection items, XXXX XXXX Account number XXXX -- Account number XXXX with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2017-08-01
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. (CA)

I 've been telling XXXX that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX XXXX is like I said.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid
Consumer complaint received 2020-07-21
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. (FL)

XXXX department store during the 2020 Covid Pandemic chose to report to the credit bureaus an over 30 days late payment. My payment was 10 days late within the billing cycle and should have received a late fee. The inaccuracy in their reporting dinged my credit by 60 points and in turn has caused other credit issuers to close the account I have with them for no reason. My credit score has not returned to the number prior to the mistake.