davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
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. (CA)

I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account. In addition, this credit repository is the only bureau reporting XXXX XXXX XXXX ref # XXXX. This company already claimed that they do not own this account. In fact, I do not recognize the account at all.
Consumer complaint received 2015-12-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (ID)

Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.
Consumer complaint received 2019-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (TX)

In XX/XX/2019 a company named National Credit Systems from XXXX, GA contacted me in XXXX XXXX, TX by letter and email. They stated that I owe them XXXX dollars for the owner of XXXX XXXX in XXXX XXXX, TX. They have continued to gain these monies by sending threatening lawsuit letters to me and my relatives. I have asked them in XX/XX/2019 to send me verification of this debt and they have not or refused to. Being that this company is located in another state I do not know how to validate or dispute this debt.
Consumer complaint received 2021-07-13
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (PA)

XXXX XXXX I had issues with XXXX XXXX when I transferred to XXXX it took XXXX over 3 months. XXXX XXXX gave XXXX the run around with the finale bill. I sent XXXX several times US REG Mail to the issues. They had already put the account on my credit file before they settle the finale bill with XXXX. 
I also called them over 120 times to this situation that was going on. 
I mail them REG US Mail and then some one call back said it was being sent up to a higher department with no results to the issue and they never resolved the issue and I kept calling them with no results always some one is  working on the issue.
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (PA)

XX/XX/2017 at estimated time XXXX XXXX to XXXX XXXX I tried depositing {$500.00} in cash all {$20.00} into atm. I put my atm card and went through all processes to where atm took my {$500.00} in cash in machine. After it took my cash ; the ATM went into out of service mode and released my atm card and kept my money. It did not give me any receipt or credit my account. No fail safe on ATM. I went into bbt bank in a panic and a XXXX XXXX addressed me and made me wait about 10 minutes. Finally he took me in his office and not really believing me. Took my atm card and driver 's license looked up my account and started questioning me about previous complaint and wanted to know details and this had nothing to do with ATM or him. Finally he made a call and told me there nothing he can do go get the number off the ATM machine and call it. So I had to drive around and get the number off ATM machine and it was bbt number. I called number and they asked me why the branch did n't file a report for the ATM malfunction and missing cash {$500.00} because bbt services the ATM. I filed reports and then XXXX started calling me again stating he was sorry. 
I did n't get a case number and I feel very upset the ATM stoled my {$500.00}. There was no fail safe on ATM it didnt give any receipt. I asked bbt if I should file a police report and I did ask XXXX XXXX for the security video showing me making my deposit. The money was for my XXXX XXXX for my puppy to be flown here. My husband gives me cash every week and I had saved it up. I was in shock it stoled my money and even more in stock XXXX XXXX did n't believe and questioned me on a previous complaint like I was lying about the ATM stealing my money.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MI)

The Home Depot Consumer Credit Card automatically allocates any payment to a deferred interest balance if said balance is due to expire within XXXX billing cycles. This forces interest on any revolving balance. 

For instance I have a {$500.00} dollar deferred interest balance and {$250.00} in revolving balance. If I pay {$400.00} it will lower the deferred balance to {$100.00} and leave the revolving balance at {$250.00}. In a 30 day month that results in " forced '' interest charges of {$5.00}. 

I understand the idea behind this practice as it will help consumers pay off their deferred balances before the due date, but, for people who properly manage their accounts this becomes a major issue. 

Home Depot Credit Services is unable to change this automatic payment distribution.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2017-01-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Beginning back in XXXX of 2016, I start applying for personal loans offers from XXXX.Then around XXXX and XXXX 2016 I beginning getting flooded with emails and text offers for online personal loans. So by XXXX loan companies begin soliciting and trying to reach me by phone and this one company that sounded familiar to me, XXXX XXXX told me that they approved my online application for {$2600.00} and they would be sending me the documents via email and transfer the first loan installment of {$710.00} through mobile banking account this was XXXX XXXX, 2016. Well everything seemed okay until XX/XX/2016 because i always check my wells Fargo accounts everyday. I know that on XXXX/XXXX/16 my checking account was a+ {$24.00} and then on the XXXX/XXXX/16 {$310.00} was add that i did n't deposit into the account, so i called wells Fargo . So in between the XXXX/XXXX/16 and XXXX/XXXX/16 wells Fargo let money that they knew was stolen from another bank account sit in my account as if it was mine as i thought the loan was legit but they took me on a round & round fight with their bankers as they came too a conclusion that i was scam, but i dispute the chargers to my checking account which was a - {$510.00} or maybe more but they ruled in my favoer and yes they took {$140.00} off and told me that it would be my responsibility for the remaining - {$410.00} balances
Consumer complaint received 2021-03-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

I received a letter on XX/XX/2021 stating that I owed a debt of {$18000.00}. It also informed me that I could dispute this and request verification of the debt which I proceeded to do. A written request for validation was sent on XX/XX/2021 via certified mail. Transworld Systems Inc. received the letter on XX/XX/2021. On XX/XX/2021, I received another debt collection letter from Transworld Systems Inc. stating that I could use my stimulus check to pay them. No verification was received, and to my knowledge they can not attempt to collect on this debt until 30 days from the request for verification. They did not provide the information requested, and they attempted to collect on the debt again. No reference to the request for verification was made on the most recent letter.
Consumer complaint received 2019-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NY)

My husband and I were in a repayment plan because we fell behind on our mortgage due to a temporary loss in income in early XXXX due to the fact that I had my XXXX replaced due to XXXX XXXX. I am XXXX XXXX and my husband has regular wages however I make more money than he does. Anyway the repayment plan almost doubled our mortgage. We received a 90 day notice from XXXX mortgage attorney in XX/XX/XXXX which is why we were put in a repayment plan which stopped the pre-foreclosure process. I had a car accident on XX/XX/XXXX which left me with XXXX in my XXXX   and XXXX, and unable to XXXX  without a XXXX XXXX. We struggled to make the payments up until XXXX of XXXX and many of our bills fell behind due to the loss in my income, and at the same time they switched our mortgage services from XXXX to PHH mortgage based in NJ. We contacted PHH and told them our predicament and they advised us to apply for mortgage assistance ... ..they said we didnt qualify for a loan modification because we had 3 in the life of the loan. They then told us to apply for other programs and we did and they lost our paper work. We then sent in new paperwork via certified mail with a signature and they denied us again because we more than 90 days past due in which they already knew. Every time I call the customer service reps seem to not be knowledgeable about whats going on. They seem to be trying to stall the process so they can foreclose. Anyway, as of XX/XX/XXXX I went back to work and stopped XXXX XXXX  against my doctors suggestion because I needed to get back on track financially. After they denied us the third time, I asked for a new payment plan an they said no because we were in active foreclosure. I called their attorney for the court filing information however they said nothing was filed. A local agency looked over our income and situation and told us to take the summons to the court however as of XX/XX/XXXX per their lawyer there is no such document only the 90 day letter drafted in XXXX of XXXX. I then called PHH mortgage again and told them what their attorney said, thus asking for a repayment plan and they said no, even though there is no active foreclosure at this time. I provided them with my medical and hospital records and nothing was looked at. Also my daughter is in the XXXX XXXX XXXX and this is her residence as well but they did not seem to care. This company constantly provides us with misinformation and their home retention team is awful. Apparently there are only 2 programs that can help and we dont qualify for anything. We want to stay in our home and we are willing to catch up the arrears if giving the opportunity to do so. I was a XXXX  employee for 14 years prior to becoming XXXX XXXX and my husband works for the XXXX. XXXX therefore we have the income to recover. The recent mortgage servicer change has proven to be a nightmare. Thank you.
Consumer complaint received 2019-05-12
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: Experian Information Solutions Inc. (MO)

It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX  XXXX XXXX {$30.00} 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX  XXXX XXXX {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (CA)

On XXXX/XXXX/XXXX I tried to manage my netSpend acct on line but found it blocked. Upon contacting customer service I was advised that my acct had been closed on XXXX/XXXX/XXXX for " unacceptable acct usage pattern '' and that I was " no longer eligible for netSpend services. '' I waited 45 minutes for a supervisor who informed me that she could not tell the exact reason as my acct was closed by XXXX, but said they did not have the phone number for their parent company. On XXXX/XXXX/XXXX I called XXXX to inqure further about the reason for my acct closure. XXXX denied any responsibility for acct terminations which the rep assured me was at the sole discretion of netSpend. On XXXX/XXXX/XXXX I contacted netSpend and spoke to a supervisor again attempting to obtain an understanding of what transpired with my acct. This time I was told that such information was not available since my acct was " no longer accessible '' due to its closure. When I asked for the regulatory agency responsible for netSpend operations, I was transferred to the risk management voicemail line. I left a clear message with my information. As of XXXX/XXXX/XXXX, I have not received a call back. On XXXX/XXXX/XXXX I received a check from netSpend for {$44.00}, the balance from my acct at time of closure.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

At the end of my lease I made a full payment to XXXX XXXX for {$1400.00} under confirmation # XXXX for account ending in four digits XXXX. However XXXX XXXX reported my account to credit bureaus as Collection/Charge Off despite receiving the full payment. This is negatively affecting my credit score and impairing my ability to secure mortgage financing that I desperately need during Covid. Despite my repeated attempts to have them correct the situation they refuse to do so.
Consumer complaint received 2019-05-12
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: EQUIFAX, INC. (AL)

XXXX filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after XXXX claimed they removed it. The response from XXXX states that bankruptcy is verified with the XXXX system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the XXXX   system. This bankruptcy should be removed immediately
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I am requesting that XXXX, XXXX XXXX and Experian room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX  Nexis I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, XXXX XXXX and Experian need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.
Consumer complaint received 2021-11-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I received your correspondence on this alleged account stating your ( verified or updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XX/XX/XXXX2017.  For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

Completed and submitted a Making Home Affordable application with lender Green Tree Servicing. Attempted to contact Green Tree/Lender by phone and email on several occasions, leaving messages each time and have never heard back from them other than to send a letter stating they denied my application. There is additional information concerning the application that I have been unable to convey to them due to their lack of communication concerning the application. Now a " Notice of Trustee 's Sale '' on date XXXX/XXXX/15 has arrived on my front door. Green Tree/Lender does n't appear to be interested in anything but foreclosure. Assistance would be appreciated.
Consumer complaint received 2017-12-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NC)

had a mortgage with XXXX starting in XX/XX/XXXX mortgage was an ajustable rate that was sold transferred and according to mortgage scam of XX/XX/XXXX XXXX along several other mortgage lenders were bailed out and were to help borrowers out but never offered borrowers anything except sell from one mortgage company to another .imy mortgage fell under what was called predatory lending .after 9 years of foreclosure threats. my property went up for sale XX/XX/XXXX by caliber home mortgage and was sold for me to stop sale i had to file a chapter XXXX bankruptcy. this case should have never gone to superior court as it was scheduled to be heard again in clerk of court but as usual attorneys for mortgage lender did not appear for hearing 2 days later i recieve notice from attorney for mortgage company case would be heard in superior court under judge XXXX XXXX in that court it was ruled that the sale be allowed .i feel that this was a case where improper illegal situation happened being that every time for the pass 8 yrs clerk of court always stated that attorney for mortgage lender did not have all paper work needed .this is why i am filing this complaint i have documentation that show false information and the documents were forged .so this is why i am asking cfpb to help me stop any action for sale of my property.i would like to be heard in a court of law with a jury how the mortgage lender an attorney and judge worked together to forge documents cheat and swindle home owners out of there property .i also know that these individuals have very powerful connections threw out the world so going forth with this action could possibly put my life and families life in jeopardy so i am asking for help please i need help .yours truly XXXX XXXX