davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

My consumer rights are being violated. My credit report is reflecting late payment of XX/XX/2021 for Navy Federal Account XXXX. Pursuant to 15 U.S.C. code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Please remove inaccurate information from my consumer credit profile with XXXX, XXXX and XXXX
Consumer complaint received 2015-04-11
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. 

I 'd like it removed from my bill.
Consumer complaint received 2023-08-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MO)

I leased my car XX/XX/XXXX from XXXX and Wells Fargo manages the lease. I put {$15000.00} down for the lease on XX/XX/XXXX. The payments were to be {$190.00}. I also made my XXXX payment in XXXX. I kept making the payments so I was 1 month ahead. In XX/XX/XXXX they billed me for 2 months saying I was behind. They started applying a {$9.00} fee that month. I called multiple times and was told it was an error. It kept being there even though I kept paying it. I have a record of paying 24 of these fees but they were never credited. I called multiple times because then it kept showing I was behind at this point. I was told to ignore it and it would work itself out. When it didnt one lady when I called in said she would credit my account for the fees and that would make my next payment current. It never did. I kept calling and started being transferred and would be on hold for hours and no one would answe even though it kept saying I was next in line. XXXX told me to email my complaints so I did with no response. They then added a {$600.00} repossession fee in XXXX of XXXX. I emailed again and was not responded to. I am current on my payments, but the fees still show on my account and the repossession fee they assessed me. They repossessed my car today because of these fees even though I had made all my payments, and never responded to my emails, nor answer my calls. I asked them to fix this numerous times so I could extend my lease as keep my car another year sense the payment is so low.
Consumer complaint received 2023-08-09
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: LEXISNEXIS (WI)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (GA)

Hunter Warfield is reporting a debt on my credit file that I do not owe. I recently took a look at my credit report and noticed this debt reporting on there. This debt is very old and past the statue of limitation in the state of California. This debt could also never be validated to me. I ask that you please remove this debt as per the FCRA and the FDCPA reporting invalidated debt could constitute fraud under both federal and state laws. I do not owe this debt and I ask they remove it from my credit file.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

I have contacted the collection agency and requested documentation verifying the original contract or payments made thru any of my banking information. I made agency aware that this debt is not mine and I have never applied for an  XXXX   XXXX  credit card. The agency rep made me aware that the account was only o  pen for seven months and she does n't have the original contract which is something the original creditors can not provide in most cases. I requested if they can not provide original documentation to remove it from my credit report within 30days of notice.
<P/><P/>  Date of communication :  XXXX / XXXX / 2017
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MI)

I went through a short-sale on a home back in 2011. Upon recently trying to get approval on a mortgage for a new home, I found that the secondary mortgage ( CitiMortgage ) reported the sale to the credit bureaus as a foreclosure. The primary lender ( XXXX ) reported the sale correctly as a short-sale. I have made multiple attempts to contact a representative at CitiMortgage without any progress towards resolution. I was told, in my last communication with them, that they would not submit a change to the credit bureaus to code it correctly as a short-sale. I have all of the documentation proving that a short-sale was executed, from both lenders involved.
Consumer complaint received 2023-04-14
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX. Trans Union failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX XXXX. 

XXXX. Trans Union failed to verify that XXXX XXXX and XXXX XXXX accounts were accurate. 

XXXX. Trans Union never provided a notarized investigation report for XXXX XXXX and XXXX XXXX instead they sent a Investigation Results pages. 

XXXX. Trans Union stated XXXX XXXX was late XX/XX/XXXX then removed this late date of XX/XX/XXXX and change the date to XX/XX/XXXX. 

XXXX. Trans Union stated XXXX XXXX was late to XX/XX/XXXX after ( XXXX ) dispute requests however they never notified me they switched the date. 

XXXX. XXXX XXXX provided a payment log to Trans Union. In this payment log I was never charged a late fee for XX/XX/XXXX or XX/XX/XXXX because I was never late. 

XXXX. XXXX XXXX XXXX has never provided a payment log and I have never been late. 

XXXX. XXXX XXXX XXXX also stated I was late XX/XX/XXXX and then they switched the late to XX/XX/XXXX on my XX/XX/XXXX XXXX credit report
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

On XX/XX/XXXX I contacted my Mortgage company ( XXXX ) to move my monthly payment from XX/XX/XXXX to the XX/XX/XXXX. I was told that would not be a problem but they failed to receive the payment and placed my account on default. I contacted them in XXXX and yet again they did not take my payment. In the following week I received a letter that my account was going to be in default again. I contacted them after realizing my credit score went down XXXX points. When I spoke to them they I made arrangements to repay the amount. Toward the end of XXXX I called to make sure my XXXX tax form was in the mail. As time passed on XX/XX/XXXX I still haven't received my tax form so I contacted them again and a representative of the company said my form was mailed out. I waited for another week and my form has not arrived. So on XX/XX/XXXX I called and wanted my forms to be mailed they said I could just do my taxes they told me the amount and I refused and said I need my forms that I would like for it to be overnight and this time the manager said that's not going to happen. Now it's XX/XX/XXXX and my tax forms still haven't arrived. At this point I have no idea what my options are. Your help would greatly be appreciated.
Consumer complaint received 2019-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CA)

I received a letter in the mail on XX/XX/19 stating I had an auto loan debt which was now in their office for collection. It stated I owed {$11000.00} and gave me 3 different options to settle the amount. This is an account that has already been paid therefore I called them to tell them that and they hung up on me as soon as I said I wasnt paying because the account was paid for and they were doing fraud.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

On XX/XX/2016 I received a letter stating that I owed {$3400.00} on account number XXXX for purchase made at XXXX XXXX. I have also received numberous phone calls from an individual at Second Round LP. I attempted to explain to the agent that there must be an error with their records due to the fact that my account was paid in full and in good standing, with a balance of XXXX. I also emailed her a copy of the receipt showing that my pruchase from XXXX XXXX was paid in full. However, I am still continually being harrassed by an agent from Second Round that payment is still outstanding. 

I have asked the agent for clarification on the statement, what items were purchased and for what amount. To date she has not provided any statements showing items that were purchased adding up to the amount they are claiming is owed. Furthermore, the agent has notified me that the account for which I am being harassed is different from the one to which I sent her a copy of receipt showing payment in full. I have also contacted XXXX XXXX and requested copies of all statments reflecting purchasses to my name. XXXX XXXX also informed me over the telephone that they had no record of an account ending in XXXX reflecting any purchase that I had made. It is evident that some error has been made by either XXXX XXXX, or Second Round LP. However, I have not been able to receive any assistance from Second Round in trying to resolve this matter. Both myself and my family are being harassed and threatened that I will contiue to be contacted until they have received payment.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NM)

Due to XXXX, XXXX & loss of jobs we could not make our house payment. We had a loan with XXXX and a XXXX loan with XXXX XXXX ( {$25000.00} ). We talked to our realtor who said to do a shortsale. She listed in XX/XX/XXXX at {$85000.00} ( XXXX shortsales in the neighborhood ). We received {$120000.00} which the buyer agreed to. She waited a month then terminated because she found another house that was not in shortsale. The house went back on the market and we received an offer XX/XX/XXXX for {$120000.00}. On XXXX XXXX notified us that the servicing of our loan was being transferred to Bayview Loan Servicing LLC on XX/XX/XXXX. But then moved it back further to XXXX. So we could not do anything during that time. Since we have been working with Bayview we had XXXX different negotiators in 5 months. We have had a qualified buyer since XXXX who still wants the house. Bayview has had an investor who still to this day has not said yes or no to the loan ( XX/XX/XXXX ). This company has called and harassed us and more important has called and harassed our parents who have nothing to do with our loan. If they needed paperwork XXXX has everything they need. She has been working on this offer for 8 months along with our Realtor. XXXX had been calling our Realtor each week to make sure the house was in pending and still going through. On XXXX our Realtor went to check on the house and found a flyer on the window from XXXX saying they were going to board the house up and change the locks. Our Realtors sign was out front in plain sight and had a sign saying " contract pending '' along with a lockbox for agents to get in. She went to XXXX and tried to find out what was going on. She did have a loan officer call someone to notify them the house was in pending. Bottom line is we have had a qualified buyer for over 5 months and the offer is being sat on! They could have their money and we could sell the house.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (MS)

I'm filing this complaint today because Tower loan has pulled my credit on XX/XX/XXXX without my permission. The last loan I had with Tower loan was in XXXX of XXXX the loan is now closed. I contacted Tower loan about the inquiry they stated that it was correct I asked for proof and was rudely hung up on. So my complaint to Tower loan is I did not authorize my credit to be pulled on XX/XX/XXXX. I would like Tower loan to show my signature of me applying for loan in XXXX of XXXX. If not I would like this information removed from all three credit bureaus ASAP. Tower loan please correct.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I hold a Bank of America ( " B of A '' ) Credit Card, and I want to inform the CFBP/regulators of what appears to be an unfair business practice regarding their autopay service. 

I paid the balance of my B of A card on XX/XX/XXXX. The payment resulted in a credit to my card account ( overpayment ). Because the balance was paid, I cancelled the autopay service on XX/XX/XXXX ( according to B of A records- they confirmed it was cancelled ). 

Today ( XX/XX/XXXX ), I received an email notifying me of a pending payment transaction of {$300.00} to be drawn from my checking account. I called the Bank, and the Representative ultimately informed me that nothing could be done- the payment would be drawn from the account despite the credit balance and cancellation of the autopay service. They initially claimed that the autopay was not cancelled, then corrected their statement with my persistence. They claimed that 5 day notice was required, and when I told them I did provide five days, they revised their response to 5 business days. 

However, the B of A Statement I receive states the following in the " Payments '' Section : " If you have authorized us to pay your credit card bill automatically from your savings or checking account with us, you can stop the payment on any amount you think is wrong. To stop payment, your letter must reach us at least three business days before the automatic payment is scheduled to occur. '' I believe this is an unfair business practice - taking payments from customers where there is no debt to pay, and shifting / inconsistent responses regarding a deadline to cancel autopay that conflicts with their own documentation.
Consumer complaint received 2017-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

To the attention of Specialized Loan Servicing : #  XXXX  After man y attempts to resolve the issues that have been submitted in prior complaints, there has been no effort or attempt to investigate or look into the issues we have brought to the attention of Specialized Loan Servicing ( SLS ). I have informed you that these documents alleged to be my loan agreement are not the papers I signed at any time. So it stands to reason you have no authority from me or my wife to be collecting o n papers I did not authorize.   PLEASE NOTE TH AT ALL PAST, PRESENT AND FUTURE PAYMENTS ARE MADE AND HAVE BEEN MADE TO PROTECT US FROM HARM AND ARE MADE UNDER PROTEST AND WITHOUT PREJUDICE.
Consumer complaint received 2022-02-16
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. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX XXXX, I checked my credit on XXXX XXXX and had only XXXX inquiry listed on my report ... XXXX had been removed. I checked my account again on XXXX and all XXXX had been reinserted without sending me a reinsertion letter as required by FCRA section 611. I have called to have it corrected and was told that I " was n't affected by the glitch ''. I then spoke to the special handling department who told me to fax a copy of the inquiry section of my report dated XXXX to TransUnion and upon receipt they would delete them. That was done a week ago and I still have these enquiries on my report. Some agents told me that they know what happened but it 's just " too bad '' and some have been downright rude.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon being denied by a creditor for " too many inquiries '' from my Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have noticed that there are many inquires on my  XXXX  and Transunion that I did not authorize. I have contacted both bureaus immediately and I have not gotten any additional information or context regarding the situation. As a result, I have put a fraud alert in place to avoid future issues. Please see the following inquiries below that were not authorized by me and the date aligned to the fraudulent inquiry. Per my investigation, none of these companies received my identification or authorization from me to pull my credit for any reason : Transunion  1.  XXXX   XXXX   XXXX     2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   5.   XXXX   XXXX   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   8.   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   10.   XXXX   XXXX   XXXX   XXXX   XXXX  11.  XXXX   XXXX  12.  XXXX   XXXX   XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

Recently, I have looked at my credit report and noticed several inaccuracies that is preventing me from obtaining credit. It is my understanding that you will investigate please items to ensure accuracy. Here is the item I am asking you to identify as accurate. 
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 2023-03-31
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: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.