davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am submitting a follow-up complaint to bring to your attention my unfortunate situation as a victim of identity theft. Under FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents meant to facilitate the removal of inaccurate information and inquiries currently affecting my credit files. The following comprises a list of inquiries, inaccurate names, and addresses that neither pertain to me nor were opened with my consent : -- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -- XXXX -- XXXX -- XXXX : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-03
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. (IN)

The 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 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 15U.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.

15U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have made additional payments to the principal amount and the Specialized Loan Servicing, based in Colorado, is refusing to apply the additional payments correctly. I have faxed my bank statements as required by SLS, but they have not only refused to correct the principal balance, but have not applied {$5000.00} in payments to the loan. Specialized Loan Servicing also will not send a payment history and the website for SLS does not allow the payment history to be printed from the website. My loan readjusts to a new interest rate in XXXX so it is critical that the loan principal balance be accurate prior to the interest rate adjustment so the new payment can be calculated correctly. Please help!
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened a bank account with Citibank for a {$400.00} promotion after maintaining a deposit of {$15000.00} for XXXX 30 days ( promotion : XXXX ( XXXX ). The account was opened on XXXX, and I was informed by a customer service representative that the {$15000.00} deposit must be made by XXXX. I transferred {$15000.00} into the account on XXXX, after which I contacted Citibank to ensure that the deposit qualified for the promotion and received confirmation that it did. On XXXX, I called Citibank to check on the progress of the promotion. The representative informed me that my account qualified for the promotion and that it would be applied by the end of XXXX. On XXXX, I contacted Citibank again because the {$400.00} promotion was not applied. The representative said that I qualified for the promotion and met all the requirements, and she therefore opened an investigation. On XXXX I received a letter by mail from Citibank informing me that I did not qualify for the promotion. This is contrary to all other contact with Citibank representatives, and my money has been sitting in Citibank accounts waiting for a promotion under false pretenses.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit ASAP!
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX FXXXX  XXXX XXXX Balance : {$8700.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

In the event of going through the process of purchasing a house the lender required me to settle an account with Wakefield and associates in the amount of XXXX. In the attempt to reconcile the above debt that is listed on my and my wifes credit report. My wife and I made multiple attempts to settle with Wakefield and associates. Every attempt ended in the same result. The result was none of the agents could find an account for the above amount
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MI)

My loan was transferred to loan care I did n't receive notification until aro und   XX/XX/XXXX my house was pending sale I spoke with a rep end of  XXXX  start of XX/XX/XXXX . Asking should I schedule a payment arrangement or wait because wet were scheduled to clos e XX/XX/XXXX  XX/XX/XXXX rep state d no they do n't report late loan until afte r 60days h owever according to respa that would also include the applicable 15 day  Grace a fter the first of the month. Received documents of foreclosure help I contacted back they stated same if it was closing  XX/XX/XXXX  should be fine. Finally closed as agreed XX/XX/XXXX  they reported me lat e I dope  to  XXXX  agent  XXXX  starting he saw the error it would be fixed in 30 days. Called back it was pending called back still not fixed spoke with credit beauru whom stated I wss correct about Respa and loancare wss fatally reporting as if this was n't a new transferred loan called back spoke to a team lead who said I was correct and she would get it expedited and have a supervisor   XXXX   XXXX  . w ithin 48 hours  I never received said call. Meanwh ile credit score plu mmits when fact is I called and inquired not once but twice but  three tim es and was told do n't worry about it and they were aware of close out date. So then speak to a supervisor   XXXX   XXXX   whom stated that he apologized that all his agents and team lead I done with w ere miss i nformed and he would pull calls and speak with them but asas far you 'd he could n't fix because he does n't agree that the RESPA law follows That 60 day Grace also including the applicable Grace period of 15 days not to mention even so the lack of his belief or proper training to multiple agents instead of an appropriate payment arrangement advise costing out the XX/XX/XXXX  would avoid me being reported a late payment when asked to send chores of those calls over to my credit reporting agencies to aid in the investigation he started its proprietary and he would do no such thing. I paid them in full followed the RESPA guideline even though I was not notified in a timely fashion of the transfer I called multiple times and I just want them to remove the payment history and remark off my credit as they agreed to do and dually agreed was the correct thing to do however the have led to me on multiple occasions bypassed RESPA PAYMENTS NOT CONSIDERED LATE.   Durin g the 60-day pe riod beginning on the effective date of transfer of the servicing of any mortgage loan, if the transferor servicer ( rather than the transferee servicer that should properly receive payment on the loan ) receives payment on or before the applicable due date ( including any grace period allowed under the mortgage loan instrum ents ), a paym ent may not be treated as late for any purpose )  XXXX  subverts as well add failed to make sure the document of transfer was received in a timely matter
Consumer complaint received 2018-03-22
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. (WA)

Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, XXXX or Experian. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard back.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I WOULD LIKE FOR THE LANGUAGE OF DISPUTE TO DISAPPEAR FROM MY CREDIT REPORT. SINCE IT SAYS THAT I AM DISPUTING THIS ACCOUNT AND I AM NOT OR AUTHORIZE TO HAVE THAT ON MY CREDIT REPORT. FOR THE ACCOUNT XXXX.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

Someone got a hold of my social security number and has been trying to get credit cards and loans in my name that I did not authorize it is now on my credit report and as hard inquiries and I need them removed I also need to know how to get Identity theft protection as well as getting a copy of my tenant screening so that I can make sure that everything on that is correct
Consumer complaint received 2018-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capitol one XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them
Consumer complaint received 2016-03-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (OR)

FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. 

They are sending out letters to people
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

I had an acct with XXXX for 14 years and was never late. I became unhappy with their service and switched to XXXX XXXX XXXX. When I changed I was under no contract, I had been month to month for about 18 months and had not signed a new agreement. They called me once to tell me that I was paying to much and they were going to change my plan to make it more cost effective. I specifically said I did not want a new agreement and that I would only do it if it stayed month to month. The CSR said it would not change anything and I let her make the changes she recommended. I really do n't remember what it was something to do with the internet. I did not get any new phones as I did when I renewed my agreement before. I left XXXX some time after that and I was not told anything about any bills and paid my last bill for service. A few months later I received a notice saying I owed them XXXX for termination fees. These are fraudulent charges made by XXXX. I have disputed this four times and it gets removed and than resold to another collection agency later. its now with convergent and it is wrong. They have no signed agreements from me and I never got anything from them. Also I never received any new phones as I did when I renewed my agreement the 7 other times. They are impacting my credit dramatically and its is fraudulent charges and they need to remove them permanently, Also correct mycredit reports immediately
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Empowerment Ventures, LLC (CA)

I have a rush card. They claim to have had a system update 3 days ago which was only supposed to take 3 hours. It 's now going on 4 days and I have no access to my money. I missed worked today because I ca n't buy gas. I need groceries for my family. I call the customer service line and I get hung up on it told to call back. No answers.
Consumer complaint received 2019-03-01
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midstate Collection Solutions, Inc. (IL)

MIDSTATE COLLECTIONS, {$1900.00}. I have disputed this amount 2 times and have been unsuccessful. I was notified that i have this collections and when i called into the original debtor ( XXXX College ), they were unable to locate me or my account in their system. They are unable to search my name via social which is a red flag to me. i request that this collections account is taken off my credit report as it is affecting me tremedously. 

I have disputed this about 3 times with each bureau but it still appear. Please remove this from my credit report as it is incorrect and unacceptable. 

XXXX
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I returned home from vacation on XXXX and when going through the mail i discovered a Demand letter from XXXX XXXX XXXX XXXX XXXX telling me i was delinquent on my XXXX property taxes to XXXX XXXX on my XXXX Rose XXXX XXXX XXXX XXXX my residence ). It said if the bill was not paid by XXXX there would be additional interest and penalties and failure to pay by XXXX would result in XXXX County proceeding with levies and sale process. I immediately called Wells Fargo ( the mortgage holder ) at XXXX at night and spoke with XXXX ( XXXX # XXXX ). She confirmed that when they refinanced my old loan ( XXXX ) to my new loan ( XXXX ) back in XXXX XXXX that Wells Fargo failed to pay the XXXX taxes. She old me that she put in a work order ( XXXX ) and it would take XXXX business days to process. I asked for her supervisor and she told me that there were no supervisors available and could they call me back. I said yes. At XXXX XXXX XXXX XXXX ( XXXX number XXXX XXXX ) called me back. She confirmed that it was Wells Fargo 's mistake and it would be paid by XXXX ( a total of 18 days after the demand letter and 7 months after the initial error ). She confirmed that Wells Fargo would pay any penalties and interest. I asked her about the effect on my credit rating and was told that if i could show written proof to Wells Fargo that it adversely effected my credit they would correct it. On XXXX at XXXX I called the XXXX County Tax Commissioner 's Office and spoke to XXXX XXXX XXXX She noted in my file 1 ) I had contacted the mortgage holder 2 ) I had contacted XXXX County Tax office 3 ) The failure to pay was due to a re-fi 4 ) the bill would be paid by end of XXXX XXXX. She told me that there was a tax lien on my property and it would be removed 6-8 weeks after the bill was paid. What i do n't understand is why Wells Fargo did not catch this. Do they not have an audit process designed to catch these mistakes? Why can this not be taken care of immediately? Given my past experiences re-financing this property with Wells Fargo i do not trust them to take care of this issue in a timely manner and I will be the one to pay the price.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/2021. I was scammed on XXXX. I saw a post with an investment opportunity and went for a it. A close friend of mine had posted it, so I was sure that it was okay to trust. I contacted the company and was immediately instructed on how to get started. They asked me if I could put a {$1000.00} deposit down to hold my spot, so I transferred funds from my savings to my checking account and sent it. I then received a call back stating that they were going to red flag my account because I lied about sending them the money! They physically called me to say this. I XXXX the money and theyd help me invest it into bitcoin is what the ad also said. They seemed nice and promising, I thought nothing of it. They asked me to resend it, so I transferred another {$1000.00} to them but this time to a different contact as instructed. These transactions were completed via XXXX. I then reached out to my friend to let them know what I have done, only to be told by another friend that it was a scam. I immediately contacted my bank to report it and was told that because the transactions were pending, there was nothing that they could do and that I should wait the following day. On XXXX XXXX, I went to PNC back to file a dispute and on XXXX XXXX I was informed that my claim was denied because my bank does not protect consumers against 3rd parties like XXXX ( which I had used ). I asked the bank to escalate my dispute and received a call XXXX XXXX only to be told again that my claim is denied and that they ( PNC XXXX does not protect consumers against 3rd party transactions and to only send money to people you know. I explained that I am am very intelligent, do not insult my character, I WAS SCAMMED! They said sorry and hung up. Ive been blocked from using the mobile app, online banking, XXXX and more. I was scammed and they treated me like the criminal.