davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (TX)

I was contacted by The Receivable Management Services LLC ( aka RMS ) sent me a letter stating that I owed money to my former university. I have been living in the USA since XXXX, and they're saying I owe this debt from XXXX. How is it possible for me to attend a school in XXXX ( that doesn't offer online coursework ) when I'm here? 

I contacted them to ask for proof of the debt, and they had no issue sending me another letter saying I owe them money but never called me back or validated the debt.
Consumer complaint received 2017-09-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greentree & Associates (MI)

We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to XXXX  XXXX it 's now on my credit report as a tax right off need it taken off my credit report
Consumer complaint received 2020-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient is incorrectly handling payments and providing incoherent responses to complaints. From " When approved for an IBR '' to " Interest accrues daily on your loan. '' is already known and does not address the issue at hand. Provide method for review to confirm payments were applied accurately. Provide the evidence stated by Navient " We've confirmed that you updated your account preferences on XX/XX/2020. '' The correct amount due for XXXX is {$100.00}.
Consumer complaint received 2020-07-16
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. (CA)

I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name XXXX XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX Account Name : XXXX, Account Number:XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap , they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (OH)

Additional information after receiving feedback- CFPB complaint # XXXX XXXXA supervisor hasnt called me. I will provide a copy of my phone record. I request this account to be removed from my credit report until document of debt is received from company. My phone number is XXXX I advised XXXX the phone number she gave wasnt my phone number. I agree I asked XXXX only about a pay to delete because of the tone of the call and XXXX implying that I was argumentative. No where in my initial complaint did I say I discussed removal from credit report. This complaint is to request removal from my credit report until I receive correspondence about the debt. I wasnt given the opportunity to resolve debt because the only correspondence was conveniently sent to the wrong address and when the company obtained the correct address no attempt was made to collect the debt. I am requesting the collection process to be reaged to allow the company to reissue the letter and allow me to resolve the account within the 45 days offered in the initial letter. XXXX informed me debtors have 45 days to take action before credit reporting after the letter is sent. Had the company reissued the letter after the correct address was found 1 day after they obtained acct this matter wouldve gotten resolved. This appears to violate FDCPA. I wasnt given a 30day opportunity to resolve or dispute the debt and the company states they updated to my correct address within 24 hours of of obtaining account. XXXX stated the got my correct address from skip tracing, and nothing was returned to sender from the incorrect address. A simple XXXX  search of my name and previous city gives my phone number and agent said they tried to call me and I advised number on file not my phone number ; since a skip trace was conducted 1 day after the company obtained account my new phone number was also found and no attempt was made to call. Considering the timeframe between the company receiving account from XXXX and them obtaining my correct information via skip trace, I am asking the creditor to reage the debt to the original 45 days from notification as per the terms of the original letter to allow adequate time for resolution. It appears unethical and intentional that no effort was made to use correct information was gained via skip trace, especially considering the purpose of skip tracing is to locate, notify, and collect debt ; especially suspicious if my credit profile was accessed through skip trace. If my credit profile has been accessed by this debtor it would appear that debtor avoided using contact information to create urgency for payment because I have a 100 % payment history.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NC)

I feel that Discover has failed to increase my credit line because of my national origin and I feel discriminated as XXXX American hard working tax payer. 

Enough of the abuse by these stupid companies. 

I make more than enough money over XXXX XXXX per year and still never an increase. 
I just need the available credit in case of an emergency.
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

I would like to file complaint against PNC MORTGAGE located at XXXX XXXX XXXX XXXX Ohio XXXX for mishandling my payments and overcharging my account. 
Loan # XXXX My loan used to be with XXXX XXXX and everything was going fine in XXXX XXXX the loan got sold to PNC MORTGAGE and for some reason the property insurance documents were not transferred with loan docs. PNC purchased a placed lender policy and of course our monthly due went up almost XXXX dollars after it used to be XXXX it became XXXX. We used to make an automatic payment of XXXX dollars for the difference to apply to principal. 
I submitted the proof of insurance from XX/XX/XXXX several times until they admitted they received. I called them so many times over the last 2-3 months to refund our money and to stop their collection calls but nobody want to cooperate. Last call was on Friday XX/XX/XXXX I asked to talk to a supervisor they said he or she is not available and will call me back and of course no one did. 
All what I asked for is 1-to refund the XXXX dollars for the Lender placed policy 2-refund all overcharges to our account and replenish our escrow account accordingly including overcharges plus any interest or late fees assessed. 
3-not to charge our account for the insurance policy that we already paid for directly to our insurance agent 4-apply the difference between our correct due amount and the XXXX dollars toward our principal 5-stop their collection calls
Consumer complaint received 2021-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am disputing incorrect info on my Equifax credit report. I wrote a 609 letter and sent the credit reports certified mail with highlighted problems on XX/XX/2021. It is currently XX/XX/2021.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX  all of them online collections gravel are account resolution services XXXX XXXX XXXX XXXX filed to the ftc
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

My Mortgage was transferred to PennyMac.The previous mortgage company didn't require HO-6 insurance, but PennyMac does. After notification from PennyMac, I purchased the HO-6 insurance starting XX/XX/2020. However PennyMac further requested insurance evidence between XX/XX/2020 and XX/XX/2020 and enforced a {$160.00} insurance premium on me. The process is unfair given the fact PennyMac didn't inform me to purchase home insurance before finalizing mortgage transfer. During all communication PennyMac didn't inform me the proper duration and starting date insurance either.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

I ordered XXXX cashiers checks on XXXX XX/XX/XXXX. Despite using my account login, filling out all relevant information as required, and requesting my checks be delivered to the same address that is on file as my primary residence with Wells Fargo, the bank required more information by phone call ; this seems to be a standard practice, Wells Fargo does not mention it as a required step on the process. 

After speaking with a Wells Fargo representative on XXXX XX/XX/XXXX, I resubmitted my request for the XXXX checks. On XXXX XX/XX/XXXX I received XXXX emails each asking me to call to provide additional information and providing a phone number and ordeXXXX XXXX  I called, provided the additional information ( that it was actually me who requested the checks ) and was told the checks had been processed. I received no notification via email as Wells Fargo says I would. After no notification from Wells Fargo and with the relevant funds still being in my account rather than being withdrawn by Wells Fargo to cover the checks, I called Wells Fargo back via the number provided by email to ask what was going on. I was told the checks had been not been processed. Additionally, despite calling at approximate XXXX XXXX  on a Wednesday ( within normal business hours for Wells Fargo XXXX the United States XXXX XXXX XXXX all those who would be able to process my checks had left for the day, extending the issue at minimum XXXX additional business day. The payment theses checks are for will now be at least 11 days late. 

Wells Fargo is not clear about its process, and has made numerous additional errors during processing to exacerbate the issue. XXXX business days after I first requested the cashier checks, the issue is not resolved.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

Amerisave advterised favorable rates but post application and a hard credit pull disclosed for the first time they required a {$500.00} nonrefundable fee and would refuse to lock rates. So the consumer is out {$500.00} and has no idea what the actual loan terms are. 

Worse, *after* the loan officer refused to lock I received an email saying " lock in now '' and " click here to lock your rates '' but the link just led back to the same website with no rate lock available. 

I then received at least 10 sales calls in two days from them even though I told each caller it was dishonest to say " lock now '' in marketing emails and then refuse to lock and to please stop calling.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (MN)

During the covid19 period that debt collectors were not to be trying to collect debt I was contacted by XXXX, XXXX XXXX XXXX. It started in early XXXX. I sent proof that I could not pay and that I had funds that were not garnish able and asked them for no contact by phone. The amount of calls I was getting was insane. Very soon after We had a knock at our apartment door in a secured building. I opened the door thinking it was someone that I knew. It was a server not law but civil and he has no mask on which the sign is on both doors down stairs where he came in.Handed me the paper work and off he went. The Proof of verification had not yet came I asked for from before nothing. So I read everything and answered his complaint. I had filed bankruptcy in XXXX and being all the dates and transactions were redacted I had no clue when this was from. I did the best I could not having access to a lawyer and legal aid being closed. The lawsuit was for XXXX dollars and there was no mention of the fact the XXXX was sitting on XXXX in dollars in more debt, which is against the law. The only thing on my credit by XXXX at this point was the XXXX then on XX/XX/XXXX XXXX more shows up on my credit and never had a letter about it. I filed a complaint with CFPB in less than a week the name on the debt changed to the original credit card company synchrony. Well that is who sold the debt to XXXX  after they closed the accounts and wrote off the debt. I am told that because they put it on my credit and also left it out of there summons it is no longer owed to anyone. I still have not been given the proof of validation on anything. The amounts of the paypal  credit is disputed to paypal and they never should have sold the debt before resolving that.There was issues with items not arriving from XXXX  that was purchased paypal. They took and closed my account and sold the company to synchrony I am sure they never told them it was all under dispute as PayPal is 100 % guaranty to arrive and work. I have had thousands in items never arrive and some that did that were broken. That was never addressed by Paypal. These items are still on my credit report and need to be taken off.
Consumer complaint received 2018-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

capital one is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
Consumer complaint received 2018-04-03
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. (IL)

This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX  account number XXXX in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt. The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, XXXX, Equifax, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I requested for my FHA PMI to be taken off because I thought I met all the requirements. I received a letter from wellsfargo stating that I have met the 78 % LTV and the five year requirement but have payments more than 30 days past due in the last 12 months. I was never late on any payments except for when Covid 19 started when my wife lost her 2nd job because of Covid and put our mortgage in forbearance. Fortunately we were able to recover right away and current on our mortgage. I didn't know that this can also affect me eliminating my PMI. This was never disclose that PMI will be affected. Wellsfargo was giving me the run around saying that FHA will not let me cancel PMI which I believe the lender is the one who benifits from PMI and not FHA. Wellsfargo been making excuses for me not to get rid of PMI even with our equity been up because of renovations 80 %.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Hello, Well, to be quite honest. This isn't the first false debt collection claim. I'd like to report to you this is a false claim I just noticed recently on my XXXX XXXX profile. I have never dealt with XXXX XXXX my entire life. And I have been outside the US since early XX/XX/XXXX. I've noticed why such false collections been happening lately ; which is due to matching name ( sometimes exactly the same first and last name ; XXXX  is a very popular last name ; XXXX XXXX  ). I personally have friends who have the same name and also one I was a roommate back in XX/XX/XXXX-XX/XX/XXXX ( But his first name is XXXX ) I'd like Caine & Weiner Company to take the time to double check this issue and, if necessary track full details of this " XXXX XXXX  ''. Please know that I have a unique SSN, and DOB.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX  's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports