davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult son there in XXXX or XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Equfax and XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Many issues. Told in the beginning that I needed to get behind on mortgage to qualify for HAMP Program, I did and paid many late fees and attorney fees. Recently applied for the HHF Program, told I would qualify, WFHM stated that since they did not administer the HHF Program " In House '' for the State of Florida, they would not postpone Foreclosure hearing however, if I lived in a State that they did administer the HHF Program, they would have postponed the hearing. Many, MANY other issues, lies and untruths told over the past 6+ years, I am currently conferring with an attorney regarding filing a lawsuit against WFHM .
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (FL)

This. company Choice Recovery appears on my credit report for {$550.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. XXXX, XXXX and Experian. Please assist with having this information remove from my credit file. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I settled with XXXX on several accounts last year. They are still reporting them as open collections. They agreed to accept a certain amount, I paid the amount they requested and they have not reflected that on my credit reports. They are still reporting as in collections instead of paid. They are the XXXX accounts stating in collections
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MO)

To Consumer Financial Protection Bureau, I am submitting a claim related to deceptive business practices from American express regarding their membership reward program. 

On XXXX XXXX, I applied for an American Express platinum card with a sign up bonus of XXXX points after {$3000.00} in spend within 3 months. I was approved automatically. 
Since receiving this credit card, I spent a total of {$4100.00}. This include the {$450.00} annual fee for this card. I received {$200.00} in airline credit from American express as a benefit of the card, and {$25.00} for a special Amex offer for purchases made at a selected merchant. All my charges were paid on time to American Express. 

American Express posted XXXX membership reward points to my account on XXXX XXXX, as well as XXXX points for qualified spend earned for prior months. The earning rate for the qualified spend is at a rate of XXXX point per {$1.00}. On XXXX XXXX, American express reversed the sign up bonus with a debit transaction of XXXX American Express membership point. 

Upon discovery that the bonus points had disappeared, I called American express to inquire about it. XXXX, an American express customer service representative, assisted me with this matter, and upon further research, informed me that the reversal of the bonus points was due to several credit transactions that caused me to fall below the minimum spend requirements. She said this was due to the {$200.00} in airline credits I had received from American express. I argued this was not correct, and asked for a detailed explanation in writing. She said I should receive a letter from American express explaining this. I have not yet received any written communication from American express. 

I decided to further look into this myself and performed my own account reconciliation. Looking at my past transaction history, I realized that American Express 's reason for taking the bonus points was not valid, and that despite the {$220.00} in credit received year to date, I still met the {$3000.00} spending requirements. As you can see on my American Express membership points history, as of XXXX, I had earned XXXX American Express points at a rate of XXXX points per {$1.00} through regular spending, exceeding the {$3000.00} spend requirement for the bonus. None of the earned points through regular spending were credited back. 

I am requesting the help of CFPB to address this matter with American express and look for similar deceptive patterns from American Express with other customers. It is disappointing to see how this company is handling this issue. 

I am also requesting that American Express re-post the XXXX Membership points I have earned through qualified spending. 

Attachment Screen capture of application Screen capture of Membership reward account history Screen capture of account transactions for the first 90 days
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Services, Inc. (TN)

I noticed that Collection Management Services of XXXX XXXX, TN had reported negative information on my report without my consent ( violation of 15 USC 1681b ( a ) ( 2 ) and 15 USC 1692j ( A ) ). I began to make payments in order to satisfy the balance and clear my name and credit. My goal is to buy a home ; so it was important that I took care of the matter. I received an letter from them dated XX/XX/2021. The letter was sent for an organization in all caps and not to me the consumer. I seen that it was not my debt and I decided to request validation on XX/XX/2021. They did not give me any proof of agreement or contract that I had with Collection Management Services and they sent another letter requesting payment on XX/XX/2021. Under 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ), I sent a cease and desist on XX/XX/2021. As of today, Collection Management Services are still reporting to XXXX, XXXX, and XXXX  which is a violation to 15 USC 1692j ( A ) and 15 USC 1692c ( c ). Under my rights as the consumer, I demand them to be deleted immediately for they do not have the right, contract, nor agreement to do. The company logo and language on the two letters is a violation of 15 USC 1692b ( 5 ). As the letter continued, they stated it was an attempt to collect which is a violation of 15 USC 1692b ( 2 ) on both letters. As the consumer, I'm seeking remedy under 15 USC 1692k ( a ) ( 1 ) ( 2 ) for each FDCPA violation. As a debt collection agency, Collection Management Services take an oath to abide by the FDCPA.
Consumer complaint received 2019-02-27
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. (FL)

I HAVE CONTACTED THIS BUREAU 4 TIMES IN THE LAST 6 MONTHS REGARDING AN ACCOUNT FROM XXXX XXXX ON MY REPORT THAT DOES NOT BELONG TO ME. I HAVE SENT DISPUTE AFTER DISPUTE IN THE LAST 6 MONTHS AND RECEIVED NO RESULTS IN THE MIAL OR ONLINE OR OVER THE PHONE. THEY ARE STILL REPORTING AN ACCOUNT THAT IS NOT MINE AND IT IS AFFECTING ME FROM OBTAINING CREDIT.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (ME)

There was a period of time when I was supporting myself and my husband on a single income ( he was unable to find work ), making less than $ XXXX/yr for XXXX people, trying to pay for rent and food, and was unable to pay my student loans. The company did not provide any other payment options for me and I gathered compounded interest for over a year!
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (TX)

Borrower made several attempts for a loan modification with Selene Finance but was denied for insufficient income. Borrower requested in writing Selene Finance provide the income information used to make their determination. Selene Finance provided a written copy of the income they used to make their determination. Borrowers disputed the income used by Selene Finance to make their determination and requested in writing that Selene Finance provide a written explanation of how they arrived at the income used. Selene Finance has refused to respond to borrowers request and forwarded the file to their attorneys to begin foreclosure proceedings.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion still has a XXXX XXXX XXXX collection on my credit report with them. This collection was part of a divorce and the legal documents were given to XXXX XXXX XXXX as well as the collection agency who reported it on my credit. The collection and balance has been cleared out with XXXX XXXX XXXX and has actually been completely removed from my XXXX credit reports, however, TransUnion is still showing this collection on my Credit report. I have sent supporting documentation to TransUnion about this issue as well as they can see where it has been removed from the other credit bureaus. XXXX XXXX XXXX shows a {$0.00} balance. This is n't a " paid '' collection but a " removed '' collection. The amount of the collection is {$570.00}. This amount needs to be removed completely and my credit score needs to reflect that. THIS IS NOT A DISPUTE! This collection is my Ex Wife 's responsibility and XXXX XXXX XXXX removed that collection because they were given the proper legal documents to do so. The collection just somehow slipped through the cracks with TransUnion and needs to be removed. 
Also, The XXXX XXXX account for {$1100.00} has in the comments, " consumer disputes this account '' please remove that comment and any comment that says I dispute the XXXX XXXX account.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2021-06-06
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: WELLS FARGO & COMPANY (NC)

XXXX never notified me of the outcome of an investigation into an account/credit card and refuses to correct inaccurate information on my account listed as WF Bank NA. On my credit report it is listed as a closed/charged off credit card account opened in XXXX with {$15.00} written off. I have disputed this twice with XXXX. Neither time did XXXX notify me of the outcome or share information. On my credit report the phone number for the company listed as XXXX is not a working phone number. 
My report shows that XXXX " Completed Investigation of FCRA dispute on XX/XX/XXXX but no results or information has been shared and this has not been corrected or removed. In addition, this is listed as a " joint account. '' Also on my report, a " reinvestigation info '' section reads that the items were " updated from our processing of dispute in XX/XX/XXXX.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

XXXX XXXX took out a fraudulent internet loan for XXXX dollars in 2014 and has hounded me ever since to pay off a loan that I never made. After sending in a police report and sending all of my information to XXXX, they refuse to release the non payment status of this fraudulent loan on my credit report. When contacting their customer support line, they told me that my birth year was incorrect. Seriously, I know when I was born but apparently the identity thief did not. And somehow XXXX XXXX still gave out the loan anyway. This has been a consumer nightmare and XXXX XXXX is a bad, bad company. Beware.
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I have had my mortgage sold to Bayview Financial Services in Florida by XXXX in XXXX XXXX. I have been sending over double the payment every month since then. They have misapplied my funds very regularly and not applying my payment as instructed on the form to interest and extra to curtailment of principal. They are not permitted to call me. I have to call weekly to make sure they are applying the funds properly. In my statement of XXXX XXXX, XXXX it said I owed {$2100.00} and showed many misapplication reversals and suspense of my funds. I have no idea what they are doing as I received a certified letter in the mail about foreclosure because of three month non payment of the mortgage. I have all the bank statements and copies of all the checks showing that I have been paying {$1000.00} a month for two years. Now they are telling me that I should disregard this foreclosure notice and are applying the funds correctly but I am very worried something bad will happen to my property. Can you help?? I am scared and want my payments applied correctly on the date I mail them my payment and extra principal. What should I do?
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. Disputed Unauthorized accounts on my Transunion Consumer Report and requested Original Documents with my wet ink signature Verifying these accounts. 
2.No Response from The Consumer Reporting Agency regarding my Concern of Providing me Physical proof of claims. 
3. I received a completed dispute with a few items removed buy quite a few still remains. 
4.According to The FCRA Section 609 All Accounts most be Verified Physically with Copies of the Original in the consumers file and if requested to see Documents must be Provide and if the Accounts cant be Verified following the Federal Law they must be removed immediately.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my consumer reports and noticed that my payment history is not correct. the consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that the payment history is accurate.If proof can't be provided I demand this account be updated or removed from consumer report. Please see attachment. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

While reconciling our bank statement we found checks were drawn on our account using our routing and account numbers. The checks were made out with other companies names and fraudulent signatures. We notified our bank who gave us credit for the loss. This was later reversed because Bank of America would not repay them for the check fraud. Bank America sent a letter stating that they would have to have been notified within 24 hours of the fraud. This is ludicrous as we are a business sending out checks daily. We had no way of knowing that this fraud was going on. Bank America quoted reg CC in their letter. Is this a federal regulation? We did not issue these checks, or sign these checks. They are not in our companies name. How come we would be responsible and not the Bank?
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I sold my house and closing took place on XXXX/XXXX/15. CCO received payoff and applied money to pay off my loan. They allegedly sent my escrow refund on XXXX/XXXX/15. XXXX calls and XXXX different answers, where the last person said they were n't even sure if it went out. Received documents dated XXXX/XXXX/15 saying my loan was paid and closed. It is now XXXX/XXXX/15, and they now say i have to wait for an affidavit to sign and mail back saying I wo n't cash the check. Only then will they reissue the check. They are collecting interest on my money. They refused to allow me to speak with a supervisor. They refused to send the affidavit prior to 30 days after the alleged issuance of the check even though it clearly was not going to be received.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is reported in my Credit Report Transunion and XXXX Acct # XXXX Charge Off report XXXX until XXXX report I have erequested a signature proof of account, not sucess. This a frausdalent account, Please removed from my Credit reports. 
XXXX
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I have a mortgage loan with Navy Federal. I pay each month prior to 30 days late but after the XXXX. They send me a certified Lett every month making a suggestion of collection. At the bottom it states this is an attempt to collect a debt. However, nothing has happened for over a year. I have kept these notices. I saw information that a suit was filed against Navy Federal. Is this something in which I can participate?
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sirs/Madams : A " hard inquiry '' from a car dealer named XXXX XXXX has recently appeared on my record. I did not authorize this inquiry, I did not make any application to a XXXX XXXX for anything, and I do not intend to do any business with a XXXX XXXX. It is apparent that someone has hacked my personal information. Please have this hard inquiry deleted from my credit files. XXXX, XXXX/XXXX/2015 XXXX XXXX.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX is reporting that our forclosure happend in XX/XX/XXXX, when in fact it took place in XX/XX/XXXX. It was then resold in XX/XX/XXXX but they are reporting false information. There are public document on the property at XXXX XXXX XXXX XXXX XXXX XXXX, AZ.