davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
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: Experian Information Solutions Inc. (TX)

I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account XXXX account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.
Consumer complaint received 2015-05-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Our Mortgage was originated by XXXX Mortgage, they sold our loan to Green Tree Servicing. It has been 6 months and there we have had several issues. They applied our payment to an incorrect account, I have been unable to call and make a payment ( although normally after the XXXX ), I can not get a rep. on the phone to assist. They add the next months payment to the statement on the XXXX of the month and then charge a late fee of XXXX if it is not paid on the XXXX of the following month. This is not a reputable bank. I wish I was given a choice. I am sure many other struggling families are frustrated. Please help.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The company has showed me proof the account is OPEN BUT continues to report the account closed on my XXXX XXXX and Equifax reports for the last 6 months or more. 
The XXXX credit report has been corrected to show the account as open. This complaint is to the credit agencies to update the account status as OPEN. I did not request for this account to be closed. that's why its still open. Proof attached. this effects my credit utilization and overall score.
Consumer complaint received 2022-09-05
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. (GA)

I am a natural person, a living human being, I have rights under 15 U.S.C. 1681. 

Equifax is governed by 15 U.S.C. 1681 and has violated my rights multiple times, including as a victim of the renowned " Data Breach, '' where my name, address, DOB and SSN were compromised. I demand that the accounts listed below be immediately removed from my credit file because : According to 15 U.S.C. 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX. XXXX XXXX Acct. # XXXX, Date Last Reported XX/XX/2022, # of Months of Payments = XXXX, Credit Limit XXXX {$36.00}, XXXX, Actual Credit Limit XXXX {$29000.00}, and several payment discrepancies. 

XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT DOES NOT BELONG TO ME!
Consumer complaint received 2020-06-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I received a bill statement from XXXX XXXX XXXX collecting debt I never own. I am not owing this company or Speedy catch or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from XXXX XXXX XXXX saying that " is now servicing your delinquent account on behalf of XXXX .... '' I do not have any account with speedy cash. I am not owing this company or Speedy catch or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX   ( XXXX  ), and when confronted, XXXX XXXX produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

My Complaint now lies on EXPER IAN Credit Reporting age ncy.   I filed a complaint with cfpb against  XXXX .  XXXX  responded with this : Responded on  X/XX/2017    Response Type : Closed with explanation : Company 's Response : We have reviewed our records in this matter, and find the following. Our office is not credit reporting any debts for this consumer. Our office is in possession of multiple accounts for a consumer with the same name, but a different social security number. As such, the error lies with the credit bureaus themselves and must be addressed with them. This is a common situation known as a " mixed file '', whereby the bureaus have mistakenly matched our reporting with an incorrect consumer. This usually occurs in a  XXXX /  XXXX   situation. We have verified back to the bureaus that the social security number we are reporting does not match that of the consumer in question. The consumer should dispute the accounts with the credit bureaus, once they have verified the social security numbers do not match, they should delete the entries.
Consumer complaint received 2022-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

In accordance with the fair credit reporting act XXXX Account @ XXXX, has violated my rights. 

15 USC SECTION 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2016-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Every month I send RoundPoint Mortgage Servicing Corp. an additional principal payment besides my monthly mortgage payment. I send RPMSC each month two different checks to avoid any confusion. One of the checks carries the inscription " additional principal. '' This is what it does with this extra payment : it places this additional principal payment every month in a " suspense/unapplied fund account. '' For instance, RPMSC received on XXXX XXXX and additional principal payment, it 's still on on a supense account as of XXXX XXXX. I had complained to the company several times about this and other problems without any success.
Consumer complaint received 2017-03-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

Hi It looks like Wells Fargo is up to their old tricks again in banking services. I just logged into my account the other day and notice a negative balance on a checking account. When I go into transaction history for the last 18 months, all i see is money being withdrawn from one account and entered into this account for Wells Fargo to withdraw as monthly service fees. 

I submitted a complaint with them and I just got off the phone with this lady trying to only credit me back for 180 days ( 6 months of monthly service fees of {$180.00} from $ XXXX fees ). The account was opened back in XX/XX/2011 and at the rate of $ XXXX in monthly service fees this will come to {$2100.00}. I want every penny back along with interest. 

They tried to get me to accept {$180.00} and then {$300.00} of payment. I want every red cent back with interest. In these hard times and being charged all of this excessive fees which put my accounts in the red, causing other checks to bounce, etc I want to be fully compensated for this and them fine heavily to stop these practices of preying on consumers with billions of dollars of late/over draft fees from fradulent business practice. 

warm regards XXXX + XXXX XXXX My Wells Fargo Account in question is XXXX. I believe this account was opened with no fees attached then changed to have fees attached and the avalanche started
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NC)

During the second week of XXXX XXXX I was contacted by an employee of Wells Fargo bank of North Carolina ( XXXX XXXX ), she informed me that she was calling to get payment on a bank issued business credit card. The transaction supposedly took place in late XXXX. At that time I changed the corporate mission of my business and informed all contacts necessary of my new mailing address. Since that time I have not received any communications from Wells Fargo until last week when they demanded payment. At that time I made XXXX XXXX aware that if I could be made sure of the original amount of the transaction that I would be willing to pay that amount but no more. Since I still do business with this bank I feel strongly that they should have been able to contact me much sooner and avoided all the additional charges. In addition all of my accounts with this bank appear on my on line page except for this credit card.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase issued two XXXX cancellations/discharges of debt back in XXXX which I filed with my income tax return for that year ( attach with complaint ). Chase continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called Chase, they told me that they agree that they charged it off, issued the XXXX and will not collect but have the right to continue to show past due amounts. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

We have been in a mortgage modification process with Wells Fargo for over 4 years. 
They repeatedly state that documents were not provided when indeed they were, they request the same items over and over again, asking for unnecessary details. In 4 years they have never come to a conclusion regarding this mortgage and have indeed obtained a foreclosure when we were delivering documents consistently. They have also used a lien against a different person at a different address to deny a modification in the past.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have several things that are bothering me one is because someone put a different address on my file in  XXXX  and can not even get it fixed because the system wo n't let me in and got a credit card from capita l one ba nk and  two  bills for medical that I am aware of is a pen can u please help me get my stuff fixed
Consumer complaint received 2017-02-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Machol & Johannes, LLC (WA)

I am being sued by Machols and Johannes debt collectors for a debt which occurred 25 years ago in another state and can not be verified by the debt collectors. I have made numerous attempts to see if this is truly my debt, but I could not find any evidence of it. I have not received a notification from Machols and Johannes to appear in court in a timely manner so I could defend myself. They are taking 25 % of my income every 2 weeks out of my paychecks. I am supporting a family of XXXX and it is a hardship on our family. I am being charged 23 % interest for the past 25 years without any proof this is my debt. The collection agency started to garnish my check in 2015, the garnishment stopped after they held it out 4 times. Then they re-started the garnishment in XX/XX/XXXX2016 but cont. to charge interest even for the time the garnishment was not taken. I do n't believe this is my debt at all and all the dealings are fraudulent. I do not have the money to hire an attorney, or I would have done so long ago. Please advise.
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been in the short sale approval process for over a year now. I finally had an approval but we were unable to close due to some repairs needed. Both my realtor and I have tried to contact Wells for an extension but no one returns our phone calls. Not only are we at risk of having the buyer walk, but I am at risk of losing a job offer that requires proof that the short sale is going through. Wells forced me to default on a loan so that I could get a short sale approve and my credit continues to be destroyed despite my best efforts to get something completed. This is beyond frustrating.
Consumer complaint received 2016-11-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

Opened an account with CitiBank on XX/XX/2016 and deposited {$50000.00}. Per the attached brochure I was supposed to receive a {$400.00} bonus on XX/XX/XXXX. As of XX/XX/XXXX have not received that bonus. Spoke to XXXX ( a supervisor in Customer Service in Texas ) and she indicated that the matter has been referred for investigation which can take another 10 days. She also indicated that when I receive my bonus that they will not provide back-dated interest. If the Bank makes an error then they should make me whole by providing interest for the lost use of funds.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-12
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. (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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NV)

Ever since Wells Fargo admitted wrong doing in the " new account sales scandal '' the bank has been delaying the posting of debits so that overdraft fee 's can be generated. 

The bank is resorting to tactics ( manipulating the posting of account debits to intentionally generate overdraft fees ) they previously publicly acknowledged and agreed to halt the practice thereof. 

I believe Wells Fargo Bank is resorting to unethical business practices ( described above ) to artificially boost revenue lost after the " new account sales scandal ''.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I contacted Equifax to have them remove an account on my credit report that does not belong to me and was re-aged. Equifax stated that this " time-barred '' account would remain on my credit report.
Consumer complaint received 2016-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (KS)

Sometime ago I had car insurance with XXXX, I had this insurance for about 2 months and then I decided to cancel my policy by phone, which XXXX recently told me did not happen, when I know I spoke with a XXXX agent to cancel it. I recently spoke with a XXXX agent and this agent asked me why I cancelled, even when this person at first claimed that they did not have a recorded call of me cancelling my policy. 

I told this agent that the reason why I cancelled was my choosing and an explanation from me as to why I cancelled was my business. 

Just yesterday, XXXX/XXXX/2016 I see that
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I sent in a identity theft affidavit ( certified ) to Experian and they have ignored my request in re : to id theft number XXXX as well as the XXXX please have these accounts/inquiries removed direct result of identity theft commercial bank XXXX mortgage XXXX bank XXXX inquiries ally fin XXXX XXXX lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

I have told Experian more than once that there is incorrect information regarding my credit report. There are addresses and numbers on my report that I have know knowledge of as well as debts that I have no knowledge of. Under the Fair Credit Reporting Act, it is Experians job to make sure all information is correct and reported accurately. Their refusal to send me their investigation information from their last investigation clearly states that they never even attempted an investigation and that is against the law. You have 25 days left to have your investigation in my mailbox and to have my lawyer say that your investigation is up to standard or I will file a lawsuit in court to remeve the fraudulent information and for damages you have done to my company and my ability to make a living. I am done playing your stupid and illegal games.