davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (IN)

BB & T has failed to act in good-faith to recognize the rights of, communicate with, or provide loss mitigation to the Successors-Of-Interests of an inherited property subject of a conventional mortgage held by their institution. On XXXX XXXX, XXXX BB & T initiated a foreclosure proceeding against the property naming the Successors-Of-Interest as parties for alleged default. 

This court initiated action by BB & T acknowledges in their complaint personal knowledge of key material facts including : the XXXX of the borrower, execution of a recorded transfer on XXXX  deed and affidavit in accordance with state law, and the name and whereabouts of the Successors-Of-Interest. Despite this declared knowledge, BB & T has provided no good-faith effort to acknowledge the Successors-Of-Interest rights, communicate with the Successors-Of-Interest directly, or provide notices of default, acceleration, or loss mitigation options to the Successors-Of-Interest to preserve their rights prior to filing for foreclosure.

BB & T was first notified by the Successors-Of-Interest of the XXXX of the borrower in XXXX XXXX by first class mail. BB & T or its agent/representative was additionally notified during a face-to-face property inspection performed by or on behalf of XXXX on or about XXXX XXXX. BB & T has been provided relevant documents via mail to include : XXXX XXXX of the borrower, obituary of the borrower, transfer on XXXX deed and affidavit transferring interest to the Successors-Of-Interests, and the last will and testament of the borrower. 

BB & T has not provided confirmation of receipt of said notices and/or to refuse to communicate with the Successors-Of-Interests due to lack of confirmation. This last occurred via telephone on or about XXXX/XXXX/XXXX. BB & T requested the information be resubmitted on XXXX/XXXX/XXXX. This was completed on XXXX/XXXX/XXXX via fax and will be additionally included with this complaint. 

BB & T has accepted payment from the Successors-Of-Interest since the XXXX of the borrower without issue. As of XXXX/XXXX/XXXX Successors-Of-Interests believe no default in payment exists despite such claim in the foreclosure complaint. BB & T refused to provide any information regarding this claim upon telephone request XXXX/XXXX/XXXX. 

It is the position of the Successors-Of-Interests that regardless of any claim of nonreceipt by BB & T of prior notices -- BB & T acknowledges personal knowledge of the XXXX of the borrower and the existence of the Successors-Of-Interests in their foreclosure complaint. Failure to attempt to offer loss mitigation options to the known Successors-Of-Interests prior to the filing of a foreclosure complaint seems contrary to the public interest and established regulations, interpretations, and law. 

It is the intent of the Successors-Of-Interests to act in good faith to resolve any issues related to this account.
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (TX)

This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to COVID during a house quarantine ( pic available that is dated and time stamped ). 

The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine. 

The FDCPA states : If a person is identified by name only, then they must be treated as a " third party. 

Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed. 
If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified LVNC Funding, LLC has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX  kids have had XXXX  ( can be proved ). I also have a pic of the 2nd instance of disclosure. 

I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice. 




XXXX XXXX Site Training Manager | EOS USA XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXX XXXX XXXX XXXXXXXX EOS CCA XXXX XXXX XXXX XXXX XXXX TX XXXX EOS XXXX For a debt-free world. 

This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.
Consumer complaint received 2019-03-05
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. (OH)

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-11-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.
Consumer complaint received 2022-09-08
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2021-06-24
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. (MO)

In the past years I have filed bankruptcy and was a victim of identity theft to the highest degree from my personal information and banking. I had to close 2 checking accounts because the thieves ran fraudulent checks using fake information and my social security number which my retirement pension deposit was and the funds were gone. In order to protect my social Security Deposit and my retirement I had to hold my deposits until a safe bank account could be opened. During the year and half my phone and computer were re encrypted so with the help of the phone service and WiFi with the cable company my old phone was monitored in the effort to report. My credit report is bad and will never recover. Are there any options available for recover. I have paid for all credit agencies to protect and report to no avail. Today I received another letter of denial from my bank for a small loan for less than XXXX $ All the money was to be deposited back in to my bank account. Some of the loan funds were for over XXXX $ in overdraft fees both of my retirement funds and social security are directly deposited each month thank you for your help and time
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I requested a sign contract with my signature verifying the amount owed.and for what i owed {$110.00} the FCRA law require the Notification be available. this is my second attemp I ask that information be available within seven days that i may veiw the information if not available remove the information from my consumers file and stop reporting false information.
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (FL)

To whom it may concern, I attended XXXX university back in 2001 formerly named XXXX. I received my XXXX in XXXX XXXX I was so happy as a single mother with an XXXX XXXX little that I know it will be hard to find a job with my degree. I went back and received my XXXX in XXXX  XXXX XXXX, after I graduated it was still hard to find a job with my degree. I went to a XXXX college none of my credits were transferred due to XXXX not accredited. XXXX has a problem with omissions. For instance, they say they are accredited. They are, but only for a couple of schools. Many schools, including major universities and colleges, will not accept credits from XXXX.Myself and dozens of other students who attended XXXX College were told that the student loan monthly bill would be not be that much however it turns out that it is approximately {$800.00}. Also, prior to signing the loan agreement, the recruiter told myself and other students that we can transfer our credits to any college of our choice after we graduate from XXXX University however it turns out that XXXX University is non-accredited and credits can never transfer. That a was a big FAT LIE now I have a degree that I can not utilize and owing {$84000.00} or more in student loans please help.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I contacted XXXX ( XXXX XXXX and XXXX ) due to a report on my incorrect information on my credit report. XXXX confirmed the information was fixed and I was told a letter of deletion would be sent to the credit bureaus and the information would be corrected within 45 days. After 45 days, the information was still on my report. I disputed it, and it came back as identified as correct.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I refinanced my home in XXXX of 2018. At the time of closing, my homeowner 's insurance was paid to the insurer listed on my closing documents. This policy was paid in full at closing for the calendar year. In XXXX of 2018, my old insurer, XXXX XXXX XXXX sent a bill to Wells Fargo indicating that my insurance had lapsed and they needed payment. Well this was due to the fact that I changed insurance during my refinance. Wells Fargo decided to pay over {$3500.00} total to XXXX XXXX XXXX out of my escrow account. It should have been researched to determine that I already had insurance paid for at closing, but rather they just sent more funds out of my escrow account. Now Wells Fargo is telling me that I am not due a refund of these additional funds they paid out of my account. This is incorrect. My insurance was paid at closing and the error was made by Wells Fargo. They have now told me to try to go after XXXX myself to obtain a refund. Why would I do that when it was not my mistake that caused this? Why would XXXX XXXX have any reason to refund me when it was a policy that has been in place incorrectly due to Wells Fargo 's mistake. I am asking that this be resolved immediately by refunding the additional insurance funds that were taken out of my account incorrectly. If need be, I can have my lawyer pursue this as well.
Consumer complaint received 2017-09-09
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. (PA)

Equifax insufficiently protected my information. I just found out that it 's been compromised. This happened weeks ago and they did not notify me - I found out about the compromise through social media and had to go to their website to verify that my information has been compromised. 

I 've already spent several hours freezing my credit info, requesting and reviewing credit reports to search for suspicious activity, and researching ways to ensure that i 'm made aware of any attempts to use my information illegally. 

I am extremely disappointed to learn that executives of Equifax took care of themselves by selling their shares of stock before taking care of the owners of the information they failed to protect. 

I expect prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/CARE CREDIT - This account has been paid off and the company either has no record of my account or does not have the ability to take it off my credit report. I have contacted the company and would like some resolution. I do not want this on my credit report.
Consumer complaint received 2019-03-05
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. (MO)

DON '' T ASK FOR THE SAME INFO THAT'S PROVIDED HERE TO SUBSTITUTE AS A RESPONSE!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo, XXXX last 4 SSN # XXXX DOB # XX/XX/XXXX CFPB advised that they provided the info you have already asked to find my credit file. So there's no need to ask for it again & claim that is an actual response. Violation # 2 I have attempted on 4 occasions to get the incorrect reporting resolved via XXXX & XXXX. Each time they " claim '' it was verified via XXXX XXXX XXXX ( XXXX & XXXX ) and the account is never corrected. It has been public knowledge that XXXX XXXX XXXX has been negligent in erroneous credit reporting. In my case, I was NEVER 90-120 days late, the account was transferred away from them, however, XXXX XXXX   XXXX continued to report it as 120 days late. Further, how could I be on time XX/XX/XXXX, then XX/XX/XXXX, I am then now 120-149 days late?! That's is not mathematically possible. If the dispute was actually handled & investigated at all, that would have been easily discovered that if someone human actually put their eyes on it to see.This is reported 9 times on this account From XX/XX/XXXX-XX/XX/XXXX. This has done severe damage to my credit access.Please remove these 9 erroneous delinquent entries on my credit reports.
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I previously disputed both referenced accounts above on XX/XX/2018 with a dispute letter included in this dispute to XXXX XXXX, XXXX. The XXXX credit report dated XX/XX/2018, report # pg. 21,22 shows the debt collector at the time was XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, XXXX, for account # {$1000.00}. 

A XXXX credit report dated XX/XX/18 enclosed with this dispute on pg. 4 of 6 results shows the account # {$1000.00} was deleted! 

Account # for {$690.00} was also disputed along with the previously disputed letter to XXXX XXXX indicated in the letter. 

Now I notice these items have been reinserted on my credit report under COMMONWEALTH FINANCIAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 
Also, the account under collector, COMMONWEALTH FINANCIAL SYSTEMS for {$690.00} is the same account under account # for {$690.00} was also disputed at the same time as account # for {$1000.00} In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2023-01-28
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. (GA)

4 credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. Upgrade XXXX $ paid off, as well. Score didn't increase as with other 2 agencies. Usage below 1 %. Please correct paid account and revise score for XXXX. 
XXXX and EQUIFAX both have 2 hard inquiries more than 2 yrs old. Should only be 1 hard inquiry.
Consumer complaint received 2019-03-05
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: Bread Financial Holdings, Inc. (FL)

Hello, I would like to dispute these hard inquiries that has shown up on my credit report : Here is the reason why XXXX. XXXX ( I am not certain who this is? ) XXXX, OH Inquired on : XX/XX/XXXX I did not give this company my permission to look inside my credit. I have not applied for any loans, credit card or any of the sort. There is no amount to report 2. XXXX Inquired : on XX/XX/XXXX I did not give permission for this business to look inside my credit I have not applied for any loans, credit cards or any of the sort There is no amount to report
Consumer complaint received 2019-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc. (NJ)

Today XX/XX/XXXX I received information from my bank that New Century Financial has frozen my XXXX  XXXX XXXX Account. So there is a levy on my account and my balance is XXXX. 

I have not received any court order or any notification from neither the court or the collection agency to give me a chance to respond or try to fix or settle this matter. 

I need help to stop this levy on my bank account and settle this issue if possible, although I was told by the court clerk that it has been since XX/XX/XXXX which I don't recall.