davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
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. (AL)

I AM LITERALLY EXHAUSTED FROM DEALING WITH THESE TWO COMPANIES. I have complained and disputed and yet they continue to add false addresses and false social security numbers to my credit report. I wish they would just let my credit report be!
Consumer complaint received 2021-04-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cornerstone Home Lending Inc. (TX)

My mortgage is currently managed by Cornerstone Home Lending , Inc. serviced out of XXXX, NJ. I have a had a series of issues with this mortgage company from them not paying my home insurance from my escrow account with an available balance to not providing me with my requested documents. In addition, we are exempt from paying taxes and this documentation was provided in XX/XX/XXXX. In XX/XX/XXXX, we received a letter stating that our new mortgage rate was increased to account for the XX/XX/XXXXtaxes. I had to spend nearly on hour online trying to figure out where to re-send this documentation I have been contacting Cornerstone since the beginning of XX/XX/XXXX. My online account has been turned off. I have never received confirmation as to why my online account is turned off ; however, I believe that it is due to my current bankruptcy. Please note, THIS HOUSE IS NOT INCLUDED IN THE BANKRUPTCY CASE. 

I need a 30 day payoff statement. We have complied with the requirements to send in an official request first. I have called Cornerstone regarding this request seven individual times. Each time I am transferred around and ultimately placed on hold. The hold times have ranged between 45 minutes to an hour and half where I ultimately end up hanging. I have talked with the Director of Regulatory Affairs, XXXX XXXX ; however, I still have not received the 30 day payoff statement. This has now caused an adverse effect on my ability to refinance my home with a new company. The new company is unable to complete my refinance paperwork without a 30 day pay off statement. Since Cornerstone has refused to send my 30-day payoff statement, they are forcing me to remain finance through them. I do not want my home financed with Cornerstone any more. 

Please help.
Consumer complaint received 2020-12-10
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. (MD)

Experian is reporting an inaccurate Bankruptcy on my credit report i have asked on numerous occasions to fix the problem and they keep coming back as verified and correct with XXXX i have attached a copy of my XXXX which doesn't show a bankruptcy being reported and unauthorized credit inquires removed
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/20 I bought a new car from XXXX XXXX XXXX in XXXX NC. I financed the car with TD Auto Finance, XXXX. XXXX XXXX would not except a Credit Union letter I had for purchase stating that I and the Credit Union was out of state. On XX/XX/20 I refinanced the car with my local Credit Union " XXXX XXXX XXXX ''. On XX/XX/20 the Virgnia DMV mailed the title to TD Auto Finance, LLC. On XX/XX/20 TD told me that the title had been released to XXXX on XX/XX/20. On XX/XX/20 TD told me the title had been mailed to XXXX on XX/XX/20. On XX/XX/20 TD told me that they had never received the title from the Virginia DMV. XXXX XXXX XXXX paid off the loan to TD but TD apparently refuses to release the title. I am told something different every time I communicate with TD.
Consumer complaint received 2021-08-20
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. (TX)

XXXX XXXX Branch agent & consumer-in-fact contacted the 3 bureaus XXXX XXXX, also experian in a consumer credit dispute through affidavits w/ attached exhibits. All accounts werent deleted as demanded and I am now contacting as consumer-in-fact to continue the investigation that as stated in said documents sent of dates specified.
Consumer complaint received 2020-08-31
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. (LA)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9.  Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FOR Experian 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FOR XXXX 1. Validate Account BK OF MO Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.

6. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc. (MD)

I utilized services at the University of Maryland XXXX XXXX XX/XX/XXXX, and promptly paid all fees as I received them. 
In XX/XX/XXXX, I was shocked to suddenly find a collection notice on my credit report from American Collections Enterprise , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. This notice was for an amount of {$200.00}, for which I have never received any notification from the University of XXXX XXXX XXXX stating that I was owing them. 

I reached out to American Collections Enterprise , Inc. via a letter dated XX/XX/XXXX, requesting validation of the debt, I got an inadequate response from them via a letter dated XX/XX/XXXX stating that the University of Maryland Faculty Physicians had provided information to clarify my indebtedness. 

As there was no viable evidence showing that this debt is being reported accurately, I wrote a second letter to the debt collection agency asking for this evidence. I am yet to get a response from them to my second letter. In the mean time even though they have reported it as disputed to the credit bureaus, I still have this derogatory collection listed on my credit report and affecting my credit scores.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IN)

the money that was in the saving account XXXX was closed XX/XX/2021 due to irregular activities, due to back pay per week with PUA, I received it in one lump sum but paid out different weeks in XXXX. but the money was not returned to the sender or a cashier check sent to me. US Bank took the money from the savings closed and then placed the money in a GENERAL XXXX account without telling me. i had to call fraud and the branch manager and they both stated they don't know how to get the money out the account. SO WHEN WILL THE MONEY BE RETURNED?
Consumer complaint received 2020-06-02
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. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}
Consumer complaint received 2020-12-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

dispute this account multiple times via certified mail, XXXX  & Transunion showing two vast different account with same account number, but keep claiming it was verified. Law is clear account have to be 100 percent accurate, and these account is vastly different if your sources the same.
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-08-13
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. (OR)

In accordance with the fair credit reporting act XXXX account numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inquiries that were not approved and i did not give my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Forster, Garbus and Garbus (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. located at : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX : XXXX has illegally put a hold ( writ ) on my savings and checking account. On XXXX XXXX, XXXX I made a {$15.00} purchase at a store and was told it was denied. I had plenty of money in my accounts, however after calling my credit union I was told there was a writ on my accounts, Everything was on hold and I could not access any money. 

I was told to call the law office above and did so. They claim I had a bill that was not paid nor had payments arrangements. Docket number is XXXX XXXX New Jersey XXXX. THe hold included my social security benefits, salary and all income. They ordered me to send 3 months statements to prove social security payments etc, which I immediately sent. I also informed them that I WAS on a payment plan for that account since XXXX and had to send them documents to prove that ( which I also did and are included here ). 

XXXX XXXX XXXX of the firm was somewhat helpful but her supervisor, XXXX was not. After realizing a mistake was made on their end, I asked for an immediate request to have my bank re-institute my account and remove the hold. THis was on a Friday afternoon. XXXX told me specifically " well it may be a priority of yours but it 's really not a priority of anyone else ''. I demanded a call back on Monday with a status. That never happened. In fact I have called him at least twice a day, along with legal attorney with me and he refuses to take my calls or to return the call. I called XXXX again and she said she " thought '' it was taken care of but not totally sure or how long it would take to fix it. 

I visited my credit union with documents to show I was not in non-compliance however they said they need a court document to remove the " writ '' hold. In the meantime I had to cancel a weekend trip due to not being able to get any money out of my account XXXX no gas for my car and no funds XXXX. I have had two automatic payment withdrawls from bill pays rejected, thus I will be charged {$25.00} for each of those returns. Without knowing when this hold will be released I run the risk of more charges that are not my fault. I have no other income in my household so this is a major major problem. 

The poor record keeping, harassing calls from this firm is unexcusable. They did not do their due diligence to ensure this was accurate before ensuing court charges and this writ. I am being damaged both financially and personally. Upon research, this company has repeated problems such as this. I need it fixed asap and payment for my damages which total {$500.00} XXXX cancelled weekend trip, fees on my account ).
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX Wells Fargo closed an account I had opened with them on behalf of my father using my power of attorney. They had allowed me to open the account and I had deposited into the account money from the sale of his property. I had used that money then to pay off some of his debts. A few months later Wells Fargo informed me that I didn't have the proper power of attorney to open the account and told me I had to go to a branch and close it. I went to my local branch and they issued me a Cashiers ' check for {$8500.00}. When I asked them when the check would expire they told me that it would not expire. For various reasons I let the check sit. 

Two weeks ago I went again and opened another account for my dad using my Power of Attorney. This time I was told I had all the proper paperwork and the account was opened. I deposited the cashier 's check into the account after the banker assured me I would have access to the funds. At no time did the banker helping me tell me this would be an issue. A few days later I log in and find out that the check had been deducted from the account. After several phone calls from me to them with no follow up from Wells Fargo I was told by Wells Fargo that my check had been sent to the State of Pennsylvania as unclaimed property in XXXX of XXXX. At no point in time did anyone inform me that this action would take place, nor did they send anything to my father because he also has my address. Now when I went to start my unclaimed property check with the state of pa, I found that they have no record of this being sent to them by Wells Fargo. The complaint department at Wells Fargo told me they couldn't at this time provide me of evidence that they had sent the money to the state. So as it stands right now my family has been robbed of {$8500.00}.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was amazed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX, I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.
Consumer complaint received 2020-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Debt Recovery Solutions, LLC (FL)

I saw a collection on all 3 credit bureaus on my report from DEBT RECOVERY SOLUTIONS for {$550.00}. I did not get any type of letter from XXXX letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (PA)

XXXX closed my business account XX/XX/XXXX. They informed me through email and stated they were holding my business account funds in the amount XXXX for disputed items. My issue is once they terminated my business account they then disabled communication with me. I was no longer able to chat online or call or email which is unprofessional when they are still holding my business funds. I called from another phone line and reached someone and made them aware that the disputes on my account are coming back in my favor. Once I informed them of this they disabled my ability to see the disputes and the resolution dates. My last dispute resolved XX/XX/XXXX in my business favor. So they did not have to deduct from my funds for any fees or chargeback etc. No where in their policy states they will hold your business funds for 6 months. They are withholding my business funds for an additional XXXX months which they will accrue interest on it and it's not good business practice. I also can not change the bank account information on my portal and can not get anyone to assist with this matter.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Recently I obtained a copy of my credit reports and notices that inaccurate information is on it. I have called and called to address inquiries on all 3 of my reports. I was even hung up on several times. I have tried 3 times a week for the last past months. It's even gotten to the part where I ask for management, and they put me on hold I get hung up on. I would never try this hard if the information was accurate.
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Dear CFPB, I entered into a forbearance with XXXX  ( Lakeview Loan Servicing ) on XX/XX/2021 for a 2 month forbearance! The only reason I entered into forbearance was because I forgot to file for homestead on my residence so my monthly payment went up {$600.00} a month. I called XXXX and advised them that I filled for homestead for this year so that my escrow amount will be drastically less with the homestead exemption and the save our homes cap in Florida. I was curious if I could do a modification or something to lower my payment as the {$600.00} difference made expenses extremely tight! 

XXXX advised that they only do modifications or any kind of assistance for borrowers only if they are in default! This seems like a horrible lending/servicing practice! Seems as though their main drive is for profits and forced foreclosure. 

So forbearance ended and I called into XXXX and they said it would be 30-45 days to find out if I could get a modification. They didnt offer any other kind of option for repayment, deferral, etc. So I kept calling to inquire as to what the solution was and they said they would let me know. There was never a call or email at all from them! 

In late XXXX I received a letter stating that Yes a hardship, but basically we dont care and the entire forbearance amount was owed or foreclosure would commence. They are entirely going against the CaresAct and in every blog, forum it is all the same with XXXX as they are doing this to everyone as to try to foreclose. 

Prior to COVID I was even paying a bit extra each month and I have been asking for leadership to call me to no avail! So basically with no prior notice, warning, information or discussion they expected {$4100.00} for the forbearance amount due on the XXXX of XXXX and $ XXXX for XXXX Payment. 

Plus as a side note when my mortgage was originated in my XXXX dashboard my home value was $ XXXX, but now its $ XXXX which sounds like incentive to basically force borrowers into foreclosure. 

Here are only a few examples of their practices as people are defenseless against these deceptive practices and I would imagine that forcing the entire forbearance amount to be paid is illegal according to the CaresAct?? 

Thanks XXXX