davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

We refinanced through Wellsfargo a month ago it finally closed. Throughout the whole process, there was confusion, lack of communication. 

The reason we are filing the complaint is, Wellsfargo made the decision to close our XXXX  XXXX XXXX line of credit without our permission, without informing us they were going to do so. We are now without a line of credit to work on our home. 

I made complaints within Wellsfargo, asking them to have XXXX  XXXX XXXX to re-open our loan. We are also hit with a early closing fee of XXXX from XXXX XXXX XXXX. All of this was done without our permission. 

Our complaints within Wellsfargo were responded to a lot of words that just said, 'sorry about that. ' That doesn't help us. Wellsfargo made a decision that we did not authorize them to do. I have emails and letters to support my complaint.
Consumer complaint received 2021-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Loancare is an extremely disorganized company that doesnt help their consumers. I started a loan modification ( or so I thought ) back in XXXX of XXXX. My payments on my modified loan were supposed to start in XXXX of XXXX. Today is XX/XX/XXXX and they still have not completed the process. When I make a payment to the lender it sits in a holding account and doesnt get applied to my mortgage. Weekly I receive letters telling me that my home is at risk and that Im delinquent on my mortgage. Ive spent approx 20-30 hours on hold dealing with the company. Sometime I sit on hold for hours just to get hung up on before speaking to anyone. Last month I tried to make a payment and their system wouldnt take my payment. HELP!!!
Consumer complaint received 2022-09-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX a home equity conversion mortgage payment plan was drawn up and signed with Bank of America. FHA case # XXXX Loan servicing number : XXXX Name of borrowers : XXXX and XXXX XXXX XXXX 
Property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX The payment plan is as follows : monthly payments of {$1000.00} for 13 years expiring XX/XX/XXXX. 
{$29000.00} was set aside in a line of credit Over the years, this reverse mortgage was sold to XXXX XXXX company and XXXXXXXX XXXX. Recently, it came to our attention that the LOC seemed to be decreasing. Several phone calls were made to the XXXX to clarify the amount of money available. Each time we spoke to a representative we received misleading and conflicting information. Therefore, a complaint was filed with NYS Dept. of Financial Services on XXXX XXXX, XXXX Case # XXXX. XXXX XXXX ( XXXX ) recommended we file a complaint. According to XXXX, there was an error in calculating enough funds to make 13 years worth of monthly payments at origination. They accuse Bank of America of this error. Therefore, XXXX has been drawing funds from the LOC to make the monthly payments without our knowledge. We feel we have been misled and misinformed by XXXX. We depended on the LOC to live after we receive our last monthly payment.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX & XX/XX/XXXX are the late payments listed
Consumer complaint received 2021-09-10
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. (WV)

This problem started with the XXXX credit bureau and now has ended with me having the current trouble with the Experian credit bureau. The issue with XXXX was resolved. However EXPERIAN has not budged and has not took the steps to provide me with a full, true and complete investigation. I have also contacted the Creditor about the incorrect information via mail with no response! 
The below creditor has reported false and inaccurate information to all of the credit bureaus and EXPERIAN IS THE ONLY BUREAU THAT REFUSES TO DELETE THIS INFORMATION. Again I have requested the method of verification from the EXPERIAN credit bureau and the creditor XXXX  also know as XXXX AUTO AUCTION also known as XXXX XXXX also known as XXXX XXXX ( below are the dates and debt amounts that are listed on my Experian credit report that are false ). 
Please note that this business and it's owner has been in constant trouble with the law in XXXX Virginia for illegal and fraudulent activities, which has caused/ XXXX XXXX to change the XXXX  to XXXX  and have XXXX XXXX become the associated XXXX  XXXX. 

I have in the past had a rental property lease with XXXX XXXX in XXXX of XXXX, for a 12 month term for XXXX XXXX XXXX XXXX, VA XXXX. The rental agreement amount was for XXXX monthly. This was over 5 years ago and XXXX XXXX has this debt listed as an installment account with " XXXX ''. This lease was not signed under any XXXX. Also XXXX XXXX is reporting that this debt is currently late and its a lease account that has a current balance of XXXX. This lease was signed over 5 years ago so that certainly couldn't be correct. This man has this account on my credit as if it is still billing me monthly ( at the current time ) and I am XXXX past due. THIS IS SO FRAUDULENT, how is this even allowed. I have been affected by this financially because of this big negative factor. XXXX XXXX updated this balance just XX/XX/XXXX, but has yet to respond to my many letters. Also big big big thing XXXX. XXXX HAS THAT THIS ACCOUNT IS OPEN. This rental property was leased in XX/XX/XXXX. I have lived in several other places since then. How does a rental property lease stay open like that. I spoke to the XXXX XXXX virginia clerk and she was blown away. 

The information that he orginally reported to EXPERIAN was : XXXX was XXXX XXXX XXXX XXXX INSTALLMENT ACCOUNT OPEN XXXX A MONTH LATE XXXX THE AMOUNT TO XXXX A MONTH 180 DAYS PAST DUe but the date of the 1st delinquency was showing XX/XX/XXXX terms XXXX term monthly months revd XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, EQUIFAX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Account # XXXX - Comentity Bank/XXXX  On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for Comentity Bank/XXXX has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. 

I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX  and was told that Comentity Bank/XXXX  has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX  today. XXXX  has removed this account from my credit report. I would like for Comentity Bank/XXXX to request removal of the tradeline as well. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (OK)

Received a money order from a person that had me work on their vehicle, and when I tried to cash it, it instantly got rejected, which made me be out of money out of gas in the XXXX parking lot with no service on my phone to contact anyone for help .... now getting turned into collections for something thats out of my control. AND when I call the number on the notice they sent me in the mail, its continues to say that number is not a working number... am I going to have to get a lawyer for all this because Im in the middle of something I have zero control of and I personally think its XXXX
Consumer complaint received 2021-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

The company M. Leonard & Associates has repeatedly tried to scam me for medical bill money I do not owe. Ruined my credit score over & over by doing this. I have had XXXX XXXX fight them once for the same amount they are charging me once again {$240.00} ( which they have gradually increased over time ), which XXXX XXXX has won the dispute w/ XXXX  & had taken off my Credit report. I have also had it taken off XXXX  previously, so how these scam artist can sneak & put it right back on there I have no idea! I have a young child & am currently having XXXX XXXX XXXX. Life is hard enough without ruthless dishonest crooks like these. I have full coverage health insurance & always have. No-copay. As in XXXX. This is insane to me, bc I have never.. I repeat never seen a Dr. that does not take my insurance & dont have a co-pay. 100 % hospitalization coverage, as well as 100 % XXXX & XXXX coverage. Prescription are free. You name it. For Petes sake I get an XXXX that cost $ XXXX a year & they come to my home to give it to me each month. I dont think they my insurance is sweating a {$180.00} turned {$240.00} bill!! Obviously, this is made up, & the company is not a real Dr or hospital that this M. Leonard & Associates is billing me from! Like what entity or hospital or Dr. is MEDICAL PAYMENT DATA anyhow???? Can someone tell me?!? Sounds like a racket to me! A way good old M. Leonard & Associates found to con people out of coughing up there hard earned cash over the years, so they wouldnt ruin their creditbc hey, what else do us are us little people who eventually wan na buy a house gon na do??? 

Please help. Thank you kindly. 

PS - Attached is the M. Leonard & Associates False Derogatory Account, as well as a screenshot of my XXXX XXXX today showing no XXXX  as you can see they have disputed M. Leonard & Associates as of recently, & gotten then off my credit report only months ago. Unfortunately, these crooks made their way back on in the past few days. I noticed them on XXXX XXXX & XXXX.
Consumer complaint received 2017-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AZ)

Repaying the loans is awful. I make nearly weekly payments towards my student loans and it takes far more than the ( 2 business days ) to process my payment, meanwhile they tack on the interest as soon as the clock ticks XXXX. This needs to be resolved!
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint Id of complaint lodged via phone on XX/XX/2022 is XXXX. I was asked by CPFB to attach documentary evidence. That is attached. Thanks. XXXX XXXX
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CT)

On In XX/XX/2021, I filed a report CFPB that my XXXX  Credit Report online account information was consistently hacked, incorrect information repeatedly reappearing- when fixed on XX/XX/2021 and in one week my FICO was corrected and increased to XXXX on or around XXXX and with in three days dropped from XXXX XXXX and on XXXX showed a damaging FICO score of XXXX. The XXXX people in my neighborhood have hacked into my XXXX  Credit Online Accounts, answered their calls at the call-center and began filing false delinquencies on my XXXX  Credit Bureau Reports and Accounts once again on XX/XX/2021 to XX/XX/2021 ; These people have stolen my identity and seem to be affiliates of XXXX Associates. In addition XXXX  hasnt been protecting my XXXX  Credit Bureau Account that I pay monthly and Im seeking immediate compensatory damages because of Week XXXX XXXX XX/XX/2021, FICO increase and rapid decline- from XXXX : XXXX : To date my documents will show XXXX XXXX took responsibility and closed out the account, because I paid for an XXXX bonus offer and not a {$150.00} credit card : 2. XXXX XXXX XXXX Closed out the account upon my request because my card account was stolen. I did inform the creditors these issues seem to involve their affiliates and affiliation with these neighbor criminals and hackers ; Please investigate! This is organized crime and corruption and financially damaging my lively-hood!
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I was XXXX XXXX in the XXXXXXXX XXXX XXXX and transported to the XXXX XXXX XXXX on the date of XX/XX/XXXX and did not get out of XXXX  until XX/XX/XXXX of XXXX. I was XXXX  in a XXXX at the time this service was used. There is no possible way for me to be using any service or outside contact when Im literally locked in a box. XXXX and XXXX  are not deleting this off credit but it is stated by XXXX  that it was removed from the debt collection agency Wakefield associates. Further more I have a letter from the record office in XXXX Missouri that I will attach that also states that I was in there XXXX  at this time. Please can you make sure this gets removed from all three credit bureaus. I am trying to buy a house and this just was added to my credit reports out of no where. Thank you for your time m
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2017-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (AZ)

This debt is originally from XXXX healthcare. I have asked before healthcare multiple times to correctly verify the debt. I sent them a bulleted list of the information I need to validate the debt I wanted the payments made as well as each charge. They refused to do it. All they will do is send me statements with the balances. So it got sent to XXXX XXXX and they did not correctly validated either so they removed it. Now it is with Americollect. I sent them a letter stating that I need them to validate the debt and a bulleted list telling what I need according to the fair credit reporting act. They sent me back a letter it was actually very snotty basically saying we already validated which they had not. Maybe they were referring to when XXXX did it but again, XXXX never fully did. So, I had one account with this medical facility. They report each and every visit as a separate item on the collection records to make it look worse on your reports. I had one account. One billing account. They break it down just to get you even worse. They think that they can keep sending it to all these credit companies but again, no one has fully validated the debt. It doesnt matter how many collection agencies they send it to you I have a right to see the charges, dispute charges, compare to my insurance, etc. I also have a right to see each and every payment. They seem to think theyre above the law and refuse to give me that information. They want to just send me blanket statements and not actually address what I have asked of them. I have documentation of every letter I have sent and the bottom line is they are breaking the law.
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Receivables, Inc. (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2017-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (WA)

This is in regards to my previous complaints. The most recent one is # XXXX. Citibank responded to my last complaint stating that they have not received my payment. I have a receipt showing that they did in fact receive my payment on XXXX XXXX, and it was received by XXXX XXXX ( see attachment ). My check was returned to me ( yet again ) on XXXX XXXX with a letter stating that they could not verify my correct account number. I checked the account number that I wrote on the check and it matches all of the documents that I have received from Citibank previously and the account number that I was using to make payments during my cosigner 's bankruptcy ( I can provide proof if this if needed ). If the account number has changed I have never been notified. Every time I call Citibank to discuss the loan they either tell me that I have a zero balance with them, or they have no record of an account with my information ( but refuse to give this to me in writing ). This makes me wonder whether or not this debt is even valid. I have made many attempts to pay this debt, but Citibank continues to make it impossible to do so. I keep getting false or misleading information about this loan from Citibank.
Consumer complaint received 2020-08-19
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)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXXXXXX
Consumer complaint received 2022-03-29
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. (TX)

Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

XXXX {$35000.00} Exquifax {$30000.00} TransUnion {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or TranUnion written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (TX)

I have been going back and forth with XXXX XXXX XXXX  XXXX about two late payments that are showing on my credit report from XX/XX/2017 and XX/XX/2017. I Have never been late with my payments and when i spoke with them they claim their system was down and didn't process my payments on time but they refuse to correct the error that was caused by them not me. This has hurt my credit scores in a big way and i need this taken care of immediately.
Consumer complaint received 2024-02-19
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.