davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (OH)

On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, Tidewater Finance is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a Tidewater Insurance representative XX/XX/XXXX in which she confirmed on a recorded phone call Tidewater Finance received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( Tidewater representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

I received a collection letter rom this company on XX/XX/2021. It is dated XX/XX/2021 regarding an alleged obligation. I responded the same day via certified mail, fax, and regular mail to the XXXX XXXX XXXX on the deceptive form I am the consumer pursuant to 15 U.S.C. 1692a ( 3 ) and the creditor pursuant to 15 U.S.C. 1692a ( 4 ) because I extended my credit to create the debt Credit Collection Services is attempting to collect. The debt is already paid. I am aware that both Credit Collection Services and XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors pursuant to 15 U.S.C. 1692a ( 6 ). Although XXXX has refused to acknowledge this fact numerous times. XXXX is NOT the creditor pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.. The claim is disputed. I had to take precious time out of my day that I can not get back to address this frivolous attempt to defraud me. It is abusive and constitutes harassment. I never gave this company my direct consent to even communicate with me. Nor did I provide my private location information to my place of abode. Mail fraud has occurred. Pursuant to 18 U.S. Code 1341 and 18 U.S. Code 1342. I am a natural person and my consumer rights have been violated.
Consumer complaint received 2020-11-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

XX/XX/XXXX my husband XXXX XXXX bought Our family a new home address XXXX XXXX XXXX XXXX GA. He met all of the requirements for the mortgage, however after his death in XX/XX/XXXX I found out that our home was not inspected and did not have a certificate of occupancy. This information was not disclosed to us from our realtors, sellers realtors, XXXX XXXX who sold us the house nor our mortgage company Silverton Mortgage who financed this property for us. Silverton Mortgage ordered an inspection however after my inspection with an engineer in XXXX, our home was not built up to code to obtain a certificate of occupancy.
Consumer complaint received 2024-02-22
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Applied for a refinance loan and Navy federal Credit union On or about XX/XX/XXXX, Loan was denied for the followings as indicated in Navy Federal Credit Union XXXX dated XXXX XX/XX/XXXX received via regular mail on approx. XX/XX/XXXX. 
As per conversation with XXXX XXXX  as point of contact indicated in letter regarding customer inquiring about errors of no liens nor construction on property. 
Customer requested proof of appraisal and proof of Liens as Navy federal indicated. 
XXXX. No liens on Property since XXXX. 
XXXX. No adjustor to confirm any construction on property. 

XXXX XXXX had customers telephone privileges terminated. 
Customer is XXXX and XXXX  therefore customer request telephone privileges restored.
Consumer complaint received 2020-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IN)

I applied for online installment loan with Ace Cash Express. They said they had to verify account. They deposited {$790.00} I was told to return {$790.00}. Then to better my credit score they deposited {$970.00} & {$990.00}. Again I was told to return it. I did. Then I learned that all the deposits they did were bogus per XXXX  XXXX  and didn't go thru. Not only am I out what I sent back, also out the deposited money. 
I spoke to XXXX XXXX and XXXX XXXX. I have all contact numbers, copies of transactions and bank has copies of bogus deposits. 
I also made a police report # XXXX This are 2 of of some of the texts I was sent : " Ace cash express Hello, Loan ID : XXXX Loan amount : - $ XXXX  Monthly payment : - {$220.00} Loan term : - 24 month if you are looking for this loan call us as soon as possible. Before your loan application expire. 
call at : XXXX Regards XXXX XXXX '' `` XXXX Regards.XXXX? 


Hi this is XXXX XXXX. On your words we deposit the credit amount in your account and this amount will availible in yoir account at XXXX. 
Regards XXXX  '' Unable to get download of the deposits, but bank has them
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

On XX/XX/2023, my partner and I attempted to apply for a mortgage loan and discovered that National Credit Systems had placed a collection mark on my credit report which I was unaware of prior to that date. I attempted to talk to the company over the phone several times regarding this debt to find out more information and possibly negotiate a good faith deletion but was told repeatedly that the person I needed to speak with was unavailable and the person I did speak with refused to assist me in any way. I checked my records and found that ( as of the time of this complaint ) I have not received any documentation regarding this debt, including any Letters of Validation. In response, on XX/XX/2023, I mailed a Request for Verification letter to the company via certified mail and verified that they signed for and received this letter successfully on XX/XX/2023. From what I have understood, according to the FDCPA, a collection company is required upon receipt of this letter to cease all attempts to collect this debt and remove the negative mark on my credit report during the 30 day period that they have to provide proper documentation on this supposed debt. I emailed the company on XX/XX/2023 to follow up on the Request for Verification that was sent but have not received any replies to that email or calls or letters whatsoever. At this point, there has been no validation of this debt and my ability to apply for a mortgage is being held hostage due to this company 's unresponsiveness and failure to comply with federal law. I have documented proof of the actions and dates of the events mentioned herein and am requesting assistance with getting this resolved. Please help!
Consumer complaint received 2024-02-22
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. (OH)

I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX Date Opened XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding.

I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

I have never received any notice to dispute or verify this alleged debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This company IC System has made a willful violation of the FDCPA. They also decided to report this false information on my consumer report without verifying it which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provide proof that they have sent me a notice with a certified green return card and verify this alleged debt by answering the attached dispute. If they can not provide the certified green card showing that they sent me the notice before they started reporting and the verifying information requested in the attached dispute letter then I demand that this company cease all reporting immediately.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (LA)

On XX/XX/23, XXXX ( XXXX XXXX ) from the " advocate '' area ( I guess? ) called me and left a voicemail. With no information. No direction. No help. No reason. NOTHING. Just XXXX, Roundpoint mortgage. Call us back. *END* Their phone tree takes far too long. There was no direction, no 'general ' area to talk to someone who can get me to the right place. I have spent 45 minutes on the phone with them and still do not have an actual answer as to why I was called.

Further, the amount of literature/information that was provided regarding whether autopay was or was not set up, who/how/when payments that were set up with the old company are or are not going to be switched over etc. were all confusing as XXXX. Some of the emails I received I have a minor in finance. I was a XXXX in college for a finance class. While I am not the smartest in the area, I am certainly far above average, so if I can not dissect that information, what hope does the average ( or below average ) person have? 

A company that handles dollar amounts the size of mortgages needs to have a level of service that is commensurate. A reasonable amount of time with any customer service representative should at least indicate if it is worth my time to discuss further. To find out that this was a voicemail in regards to a complaint I filed about the transfer process being garbage was a full circle failure by this company.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (FL)

I took out a BMO BANK rewards credit card on XXXX XXXX. If I spend {$1000.00} in 90 days I would get back {$200.00}. That was the advertised agreement. I spent {$1200.00} in the 90 days which was up on XX/XX/XXXX. Online it showed I have {$210.00} cash back. I called to find out about getting it back and got bounced around with phone transfers and they will not give me my money.
Consumer complaint received 2023-01-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I bought a small condo to run, y business out of on XX/XX/XXXX from what was then Wachovia Bank. I paid that loan off in XXXX of XXXX. They stopped taking funds from my account o that date. I have included it in the documents. I retired mid XXXX and immediately started trying to sell the office condo. The market was soft and I did not received an offer until XXXX of this year. I accepted the offer and it was supposed to closing on the XXXX of XXXX this year. On Wednesday the XXXX of this month. I received a call from my closing attorney that a lien was on the property for the mortgage. I packed all my documents up and drove up to the local Wells Fargo branch. I spent three hours there but despite all the documentation that I have which included all the closing documents, the payment statement, my bank account showing the monthly with drawls and documents from the closing attorney showing the lien. I was back up there again the next day and then back to my how office for the rest of the day. On Friday my wife went up early and I was at the bank all afternoon. So 20 documents hours over three days. Saturday we spent looking through old tax returns to see if we could find any documentation because Wells could not fid the loan. On Monday started the day at the WF office again and spent the rest of the day on the phone with different depts. Another 8 hours on Tuesday more of the same. At that point though I finally connected with some one who acknowledged that they had found the loan so we could move forward. All it meant though was that I was in a different level of XXXX in Wells Fargo. They have the loan, they have the proof that it is payed but they say they need 30 days to process it. Evidently once the loan is paid they are given 30 days to record that it has been paid. That is all fine and dandy except the loan was paid off 4 years ago. Meanwhile I am in default and I run the risk of losing my hard won buyers because I cant close without them sending the release. My buyer has been patient so far but they cant wait another 30 days. It is a simple solution but despite having talked with over 20 people in the XXXX system hey will not budge. I get shuffled off after spend an hour plus with the reps. I am told they will call back and they don't. I have been hung up on three time. I have been able to escalate the issue But only after shuffling through numerous depts until I find some one who actually cares. Then I get to the next level and it is more of the same. It is a simple straight forward fix yet, while most of them sympathize they just pass me along to the next person without doing anything. I will lose my buyer if this has to go thirty days long. It should have been done 4 years ago. Can you please help me move this along as I am at my wits end My case # with Wells is XXXX XXXX XXXX is XXXX I have had the most success with his main number ( not direct ) is XXXX His email is XXXX His boss is XXXX XXXX who has not spoken with me
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions View full complaint
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transuion claim they issue refund for the below complaint, the lied again. No refund has been received as of XXXX. Transunion for months was billing me for a service they had blocked me from about 2 years ago. After filling a complaint with cfpb the finaly coincided and canceled service and was suspose to refund my prior billing charges. Its XX/XX/XXXX, no refund has been received from Transunion at current date. In previous complaint they sent the following reply below. Transunion, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, on XX/XX/XXXX you enrolled into a service provided by TransUnion. With this service, you were billed {$14.00} per month from XX/XX/XXXX through XX/XX/XXXX. Per your request, we have cancelled the auto-renewal of the service. As you have already been billed for this month, the service will still be accessible until XX/XX/XXXX. We regret any misunderstanding that may have occurred. We have issued you a courtesy refund in the amount of {$290.00} back to your credit card for charges incurred from XX/XX/XXXX through XX/XX/XXXX
Consumer complaint received 2020-09-17
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. (FL)

I LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT
Consumer complaint received 2020-05-15
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. (CA)

The below accounts do not belong to me and I have tried to resolve this with the companies directly but haven't been able to get anywhere, and its stopping us from getting a home and we have XXXX children. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Accounts # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$950.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$210.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$200.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$78.00} Account # XXXX