davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
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. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the item in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of erreneous accounts reporting on my Credit Report : Late/Closed XXXX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX CARD-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OH)

I need a new card issued and I was on hold 5 hours!!! Lady answers she ca't help me. I followed the step that it said to follow to get the new card and to change the address.. WHAT DO YOU MEAN YOU CAN'T HELP.. sorry .. On to the next call 3 hours later system down ... NO HELP AGAIN.. had them try to call me.. Ok, this would work if the people calling you back would let you answer before they hang up.. NO JOKE HAD MY PHONE IN MY HAND 2 times and went to answer.. they hung up before i could push the button.. I have now been on hold again for 2 hours .. Lady answer.. GUESS WHAT.. She can't help transferred me to another location now I have been on hold for 2 more hours.. OHHHH WAIT.. she told me just to do this with automated system on line.. NO XXXX XXXX XXXX XXXX .. If my card was not lost and I would do that!!!!! I ask her for my account # she can't give that to me for security reason. DEAR LORD HELP ME!!! lol First, I want to say I know times are hard and I do appreciate everything people are doing to help .. But WHY is this so hard just to get a new card issued!!
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy record associated with my financial history. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CT)

My Mercedes Benz account number is XXXX. I called Mercedes Benz and advised them that I was not working due to COVID19 and agreed to defer 3 payments under the circumstances. My account is allegedly deferred but they are still reporting late payments to my credit bureau for the months of XX/XX/XXXX 30 days, and XX/XX/XXXX 60 6days with a past due amount of {$2600.00}. I received a call on XX/XX/2020 from MBFS saying they were calling to help me with my account due to COVID19. I was confused because I had already contacted them last month for assistance, so that was a red flag for me especially with the erroneous credit reporting that is not even suppose to be happing under the current CARE ACT. The rep. XXXX advised me she would be calling me back regarding my account. 

Heard back from XXXX today and she basically said they were not going to be doing anything to fix my credit or report the correct information, and told me to disputed with the credit bureaus, and she was suppose to have called me back on XX/XX/2020. 

I advised her I would be making this complaint because my credit is being ruined and they are not following the present order in place to protect consumers. My account was positive and now they are reporting it negative after they LIED and told me the payments they were reporting are deferred payments. Does not make since.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Filed complaint with company regarding 5 year old apartment debt. Asked for validation of debt ( original documents with my signature ) and still have not received anything. With that being said, I want this negative reporting deleted immediately from all 3 credit bureaus. This company is violating the FCRA by reporting negative information without properly validating the debt belongs to me.
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Consumers Inc (VA)

United consumers has been leaving me voicemail on my work phone stating they are a collection agency and I need to contact them. I have contacted several times and asked what this is about since I am not aware of any outstanding bills. When I get in touch with somebody, they state my phone number I am calling from, provide me my name from my phone number and then continue to ask for more personal identifying information. I am NOT going to give some company I have no idea who they are any information since they seem to know who I am when I call. They have refused to provide me any reason for calling me and leaving the threats regarding unpaid bills. At this point I am furious and need an explanation. There are way too many scams out there and I will never provide any personal identifying information to some voice on a phone, If they have my phone number and my name and I return their call, I expect a quick response as to what the issue is, not asking for more information to add to their attack. As far as I know I have ZERO outstanding debt aside from a 0 % interest loan on my XXXX. My house is even paid off.
Consumer complaint received 2021-11-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

My name is XXXX XXXX, Attorney. My Law Firm is handling the short sale on the property XXXX XXXX XXXX XXXX with the loan servicer, The Money Source and have submitted all of the necessary paperwork as well as an Authorization on XX/XX/XXXX. 

We began what is usually a 60-90 day process on XX/XX/XXXX. We had to work through several workouts with judgment creditors, and we had value issues. However, we finally resolved all of these issues and met all requirements of the VA and The Money Source regarding the short sale on XX/XX/XXXX. The Money Source should have issued a Short Sale Approval immediately thereafter. 

However, on XX/XX/XXXX we were informed that before issuing a Short Sale Approval, The Money Source would need a " Potential Successor in Interest '' form. We explained that that was not needed in this case because XXXX XXXX XXXX ( the Husband ) is the sole owner of the property as his wife, XXXX XXXX XXXX, died on XX/XX/XXXX. Title to the property was held as Husband and Wife ( also known as Tenants by the Entirety ). Therefore, on XX/XX/XXXX, XXXX XXXX XXXX immediately became the sole owner of the property and there is no Successor in Interest and no need for such a form. We indicated that we would certainly review the document and have Mr. XXXX sign it, if it was appropriate. We have never received the document. Mr. XXXX has never received the document. Mr. XXXX 's daughter and POA, XXXX XXXX XXXX XXXX, has not received the document. 

The complete short sale package submitted on XX/XX/XXXX included the death certificate of XXXX XXXX XXXX. 

For the past 6 weeks, the parties to the transaction have been held up by The Money Source over an issue that does not exist. They have never sent the Possessor in Interest Form that they said they could only mail to the husband. They are now wanting instead to change the owner of the property to the Estate of XXXX XXXX XXXX. As explained above, that is incorrect and inappropriate. 

After many phone calls over the past 6 weeks, we are about to lose the transaction because The Money Source does not understand the basic issue of Tennants by the Entireties and is requiring something that is not just unnecessary but incorrect by the laws and statutes of North Carolina.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DE)

I reached out at the beginning of XXXX to inquire about mortgage forbearance and found that Freedom Mortgage was giving out incorrect information in accordance with the CARES act. I submitted a complaint on here about this, and it was listed as resolved, however it was not resolved. Freedom Mortgage put me into a mortgage forbearance plan WITHOUT MY KNOWLEDGE OR CONSENT and placed my account under the loss mitigation department. As a result, I have been unable to make a payment on my mortgage for the entire month of XXXX and am now being reported as 30 days late. This is inaccurate however because I started a work order with XXXX from Freedom Mortgage ( ID # XXXX ) on XX/XX/2020 to release my account from forbearance so that I could make my payment. I was promised per that conversation that my account would be release from forbearance by XX/XX/2020 so that I could make my payment and not be marked as late. That date came and went, I called on XX/XX/2020 and spoke with XXXX ( ID # XXXX ). She informed me that she wasn't sure why it wasn't done yet, and to call back in a couple of days if it didn't get removed. I then called today, XX/XX/2020 and have yet to get an answer from anyone. My call gets " transferred '' to the loss mitigation department and no one ever picks up.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
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: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I have Checking and savings account with BBVA.

My salary comes into checking account.

BBVA seems to be in this world just to make money out of customers-they have ACH with {$3.00} per ACH. My XXXX XXXX and XXXX XXXX doesn't take any charges for ACH. 
Then i decided to use their free XXXX XXXX  service ... i could do two transactions ... BBVA has made them really difficult - putting limit on them ... 3rd one they blocked it. On XXXX and XXXX XX/XX/2020 - i tried calling them ... unnecessary transfers from here to there etc ... even after that more than 1 hour of wait ... .calls getting dropped ... they are stating that we are short of staff ... so why you are blocking the XXXX transactions and then asking the customers to call you back.
Consumer complaint received 2020-06-30
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX   XXXX {$530.00}
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Talbot, Adams, & Moore, Inc. (TX)

There is a charge reported on my credit on XX/XX/2020 report of {$4600.00} from Tam/Spears DeWitt Hall. I was asked to leave this apartment and when I git the final charges they were a little over XXXX XXXX dollars. Now it seems that this amount has doubled,
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This account has a balance of {$5500.00} on a charge off. This account has to be deleted because there should not be a balance on a charge off account. SEE ATTACHMENT FOR ACCOUNT IN QUESTION
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

I had a XXXX XXXX XXXX visa. 

It transferred to commenity. 

Since transferring to commenity they have : 1. not sent me a card and demanded payments with no way to access the account and no notice that I was transferred from either bank. 

2. Gave me the work around and placed the blame on me every time I call customer service. 

3. Raised and adjusted my interest rate from 21 % to almost 25 % on a whim. 

4. Lied and said that my interest rate was higher In XX/XX/XXXX ( when I didnt have the physical account ) and they lowered it. 

5. Refused to remove a false delinquent account error.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairfax Lending Inc. (MD)

The XX/XX/20 " Loan Estimate '', " Closing Cost Details '' lists two items : Funding Fee {$250.00} and Underwriting Fee {$1000.00}. 

The XX/XX/20 " Closing Cost Details '' has a new entry : XXXX of Loan Amount ( Points ) {$980.00}. 
When asked about this charge, the broker ( XXXX XXXX ) replied on XX/XX/20, " The {$980.00} charge is being added due to the current market conditions. " I responded on XX/XX/20, " Adding XXXX unilaterally and without informing me, ie, leaving it up to me to spot it, is called bait & switch. Sleazy. " Broker responded XX/XX/20, " I am not being sleazy. The fee that got added from my investor was actually 0.50 % of the loan amount and computed to {$1600.00}. I only added {$980.00} and took a hit for {$640.00}. '' I responded on XX/XX/20, " If your investor added 50 bps as a condition of approving the loan than that information MUST be conveyed to me for my acceptance or rejection. 

If your investor added 50 bps because of the new law mandating that cost, theyve applied incorrectly to me since their loan commitment to me PREDATES the law change so the 50 bps does not apply. Someone is being sleazy, dont you think?? '' Broker responded XX/XX/20, " We should have updated payoff later today. Once we have it we will email the final CD for review. '' but I did not receive the updated payof. 

On XX/XX/20, I asked broker again to withdraw my loan application, per my first request to withdraw on XX/XX/20.
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Agency of Credit Control (CA)

I sent the bank statement from XX/XX/2017 showing XXXX XXXX co pay of {

$15.00} was PAID. Please see page 5 of 10 on the bank statement 4th line from the bottom. This company left negative credit information that related to a debt that WAS PAID and cost me a car loan and mortgage. I intend to seek monetary damages for the incorrect information that has been listed on my credit report affecting me adversely during COVID
Consumer complaint received 2022-04-02
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: NAVY FEDERAL CREDIT UNION (AL)

Concerning Case number XXXX. 

I never asked if the debt was valid or not. According to the FCRA consumer law, I should have had the option to opt-out of my personal information being furnished to the consumer credit agency, and I was not given that option. According to 15 U.S.C 1681a " report containing information solely as to transactions or experiences between the consumer and the person making the report ''. So by furnishing this information you are in violation of Federal Law. I ask that you delete the Navy Federal Auto Loan account from all credit agencies. This is also adverse to me which is another violation. Please remove it immediately.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The credit reporting agency Experian has incorrectly reported an account from XXXX as a charged-off status. I have never authorized goods and services from this company, and it still shows up on my credit report. After disputing this charge several times, Experian refuses to verify the validity of this charge from the company against the FCcoRA law. This has resulted in decreasing my credit by scoring 150 points for no reason. 

The two other reporting agencies have made corrections due to the XXXX not verifying. Experian needs to follow suit. 

This is report # XXXX.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (TX)

I am receiving aggressive collections notices from Purdue, Brandon, Fielder, Collins, and Mott, LLP XXXX, TX XXXX. This company claims to be representing a XXXXXXXX XXXX XXXX XXXX In XXXX XXXX for a debt that I owe. I do not owe this debt and I have to them and called them to explain that any fine must be fraudulent. I have never lived in that county or town. I have received letters from them for years claiming that I owe a traffic fine, but when I disputed that they claimed that it is hot checks. I am tired of there harassment. Their office has threatened repeatedly to have me arrested. I have never received one notice from the county 's government offices about what I owe, but still this law office claims that I owe something that I could not possibly owe.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America report fraudulent activity in the XXXX, When no fraudulent activity occurred. The account was closed and fully paid due to the fact that the bank let someone who worked for them access my checking account and stole money from the account. Therefore, my husband and myself closed the account and paid off the outstanding checks which totaled {$1000.00} in XX/XX/2016. My husband and myself are experiencing XXXX and XXXX due to the illegal actions of this bank. We have contacted them numerous times to remove the fraud statement from the XXXX  and no resolution has been forthcoming. We have been unable to open a checking account since 2016, it has been a hardship to my family during these difficult times
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The 3 Credit Agencies ( XXXX, Experian, and XXXX ) are reporting incorrect late reportings on my credit file. I was never late on my student loans. The following information is reporting inaccurate on my credit files. 

Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3600.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$3200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1200.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$880.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$1300.00} Dept of Education/XXXX - Open XX/XX/XXXX ; balance - {$2100.00} There is inaccurate bankruptcy information that is reporting on my file : I contacted the US Bankruptcy Court and they informed me that they do not provide information to the credit agencies. So the information that is reporting on my credit file is incorrect. This is not my bankruptcy information. Please verify. 

There are also several inquiries that was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MD)

I have 8 loans with Sallie Mae. I refinanced 4 loans so that the balance should be XXXX. Instead of taking refinance and allocating it to the 4 specified loans, Sallie Mae took the money and allocated it across all the loans I have with them such that there is still a balance on the loans that should have been at XXXX. I am having trouble having them reallocate the money so that the 4 specified loans are at a XXXX  balance.