davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (OK)

I am natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I DEMAND the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-17
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. (TX)

I have been disputing inaccurate accounts on my credit report since XX/XX/2019, and letters have been sent every 30 days after. ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I received one response from XXXX  and XXXX ( XX/XX/2019 and XX/XX/2019, respectively ). I have never received any response from Equifax, and nothing from XXXX or XXXX  since the first. I have included the letters I've sent as proof.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DE)

My credit report showed two accounts in collections from XXXX XXXX in the amounts of {$230.00} and {$2200.00}. I previously did not receive any communications from XXXX XXXX about these bills and found out about them on my credit file. Once I became aware of the accounts, I made arrangements to pay in full. I spoke to several representatives at XXXX XXXX Billing Dept. and TransWorld Systems Inc. and all agreed to remove from the credit file if paid in full. These are still showing on my credit report and need to be removed ASAP as it is effecting my ability to obtain a mortgage. These accounts have both been paid in full with no other outstanding balances. Please remove from my credit file ASAP. Thank you kindly.
Consumer complaint received 2019-12-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

I was approved for a loan modification on XX/XX/XXXX by Mr.Cooper. The loan modification trial period is {$780.00} for ( 3 ) months XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I spoke with several " specialist '' not customer about the loan modification. Mr. Cooper received a money order for {$1100.00} via XXXX XXXX on XX/XX/XXXX. They took {$780.00} and applied to my 1st loan modification pay for XX/XX/XXXX. A specialist informed me that I had a credit of {$310.00} on my account for my XXXX payment and i needed to only pay {$460.00} for XX/XX/XXXX. I called back yesterday XX/XX/XXXX because I received an email from Mr. Cooper that they were changing my email to my sisters email. I wanted to confirm the {$460.00} payment for XX/XX/XXXX. I was told my house was in foreclosure and not eligible for the loan modification. Then I was told that my credit of {$390.00} is not available for me to use towards the XX/XX/XXXX payment. I was told that any payment that they received before my trial period started is considered a partial payment and not eligible to be used on my account. They received a payment of {$1100.00} on XX/XX/XXXX but yet applied to my trial period. Mr. Cooper is making up the rules to benefit them. I feel that Mr. Cooper gave me fraudulent information to sabotage my Loan Modification to foreclose on my parents house. If I wouldn't have called to Mr. Cooper yesterday, I would have been kicked out of the Loan Modification for a partial payment. When you complain the first thing the rep does is say the house is in foreclosure or they accuse you of being poor and not being able to make payments.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CA)

I sent a {$50.00} payment through XXXX XXXX bill pay to be paid to Frist Progress on XX/XX/XXXX. My due date was XX/XX/XXXX and the account was current. Unbeknownst to me, First Progress chose not to cashel the check, instead charging me a late fee for non-payment in XXXX. I didn't notice this because I'd been idly making payments. 

I decided to close the account approximately XX/XX/XXXX because the only way to pay is bill pay and it's really inconvenient. I conveyed as much to the customer service agent I spoke with. She said I would need to pay just under {$75.00} to pay the remaining balance on the account, which I did. 

The following day, I got an email from XXXX XXXX stating that First Progress never cashed the bill pay that was sent in XXXX. Then, I noticed the erroneous late fees. I immediately contacted customer service over the phone at First Progress, who advised me to fax a letter to a number provided stating what happened with my proof. I did. 

Since, First Progress has not cashed the {$75.00} bill pay sent to close the account sent in XXXX. They are continuing to charge late fees every month. They have reported a delinquency on my credit. They have also changed the remarks stating customer closed account to account closed by issuer. Blatant lies and damage to my credit.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NV)

on XX/XX/2022 I called Iexus Nexus to inquire why a SECURITY FRAUD ALERT AND IDENTITY THEFT ALERT. I sent them proof of address and a copy of driver 's license along with the ftc report with a dispute letter that they received XX/XX/2022. I spoke with XXXX who refused to give his last name requierd by Nevada law and FCRA, refused to place the said alerts on my file and comply with Nevada law and the FCRA. Also he wanted a picture of my drivers License.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. I can still see those accounts that are inaccurate and need to be removed from my credit report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : Late/Closed XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date XXXX : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} ChargeOff XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (TX)

I have paid off the vehicle loan but the lender says I still owe {$85.00} dollars. They did not notify me of this balance due. They shut down my online access to the account so I can't see the status of my loan. They have not responded to written requests for explanation or verification of the balance due. They are now adding fees to the balance due and reporting the loan to the credit bureaus as delinquent.
Consumer complaint received 2021-12-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MECHANICS BANK (AZ)

THIS MESSAGE IS FOR A REGISTERED AGENT ONLY Today on XXXX MECHANICS BANK AUTO FINANCE threatened to harm my consumer credit report by reporting a late payment. Today I notified MECHANICS BANK AUTO FINANCE that there is a bill error pursuant to 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) Please provide all documentary evidence for clarification of who funded the account. 
Documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( D ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. 


Mechanics Bank can not report any alleged late payment in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If Mechanics Bank Auto reports late payments without meeting the requirements under XXXX U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account number XXXX Attached is an Affidavit, Exhibits, Cease and Desist, and Bill of Particulars to resolve this issue you must read and honor my CEASE AND DESIST
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

When applying for the loan, borrower costs provided to us over the phone was different from final borrower costs on the disclosures. Approximately XXXX $ had been used to buy down the interest rate and financed into the loan, thereby increasing the loan balance significantly. This appeared to have been done with the sole aim of appearing to be competitive. When asked to pick a different rate, several additional fees were added, again bringing up the final borrower costs for the loan.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Navient reported incorrect information of a 90 day past due payment that was incorrect. There was payments made and was current. As well as the Cares Act/Covid Relief that is in effect until XX/XX/XXXX of this year.
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NY)

DISCOVER FIN SVCS LLC acount # XXXX XX/XX/2016 {$1300.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MORTGAGE LENDERS OF AMERICA (VA)

I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (WI)

I paid XXXX for rent and bill reporting, I paid XXXX on XX/XX/2022 This company is saying there's no record of payment where I provided proof of payment by email, additionally I sent over rent payments dating back to XX/XX/2022 which were verified by XXXX XXXX, they refuse to report the payments accurately, my water payment of XXXX, they refused to report. 
My cell phone bill they refused to report although I provided receipts verifying payment
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021, I spoke with a claim representative at Wells Fargo to finalize a dispute for an unauthorized charge totaling {$35.00}. The claim representative was extremely rude and disconnected the call prior to resolving my concern. This is unacceptable. I spoke with Wells Fargo to attempt to resolve the situation and they were unable to locate the name of the representative that disconnected the call. Also, they refused to provide me with a provisional credit.
Consumer complaint received 2016-12-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST GUARANTY MORTGAGE CORP (GA)

Dear Sir and/or Madame : As a XXXX, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX XXXX Inc. - accounting, letter of transfer XXXX - accounting XXXXg
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (IL)

A settlement was agreed upon, and immediately paid. Upon checking my credit report, the debt is still listed as unpaid ( two months later ). Not only this, but when I stated that I was going to pay the settlement, they tried to claim that I stated I would pay in full, and would not accept the settlement. Countless calls led to speaking with a supervisor (? ) who finally came to another ( more expensive ) settlement that I agreed on.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Hey so i been banking with chase since i was XXXX and now am XXXX, chase is my first ever bank and i always have spoken highly of chase as a bank and their customer service ALWAYS, But on XX/XX/XXXX i received a letter from chase saying that they were going to close my account on XX/XX/XXXX worried and confused i call chase support right away and i have to tell their customer service to me was rude and bad i dont know if it has to do with chase closing my account and basically werent helpful at all because i tried asking why my account was closed and ask if there is anything that i could do to fight this back because i dont think it is closing my account, not giving any reasons and not even giving a option to send someone an email or anything, because if if whatever the reason is they are closing my account is wrong and they are not letting me explain my self. and i have to add that today that am sending this email ( XXXX, XXXX, 2021 ) i went to a chase branch in person and basically same answers nobody wanted to help me in anyway, and right after i left the chase branch tried calling one last time to chase and this time their customer service to me was even worst, I just hope i can get help on this matter because it has affected me tremendously. Thanks in advance
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Northstar Location Services, LLC (TN)

Husband received a call on his cell phone attempting to locate XXXX ( me ) in regard to collecting an alleged debt that was never owed to XXXX ( XXXX ) on a prior lease from nearly 10 years ago. All state statute of limitations have expired years ago and Ally sold the paper to NorthStar Collections ( XXXX ) XXXX. 
The representative informed my husband that she could not discuss the mater with him, but that the creditor was XXXX and that I needed to call Northstar Collections.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

My card was compromised in XX/XX/2021. I called the number on the back of my card and reported the charges as soon as I noticed. Several days later, I noticed additional charges that posted and had not seen any communication come through from the credit card company. That XXXX told me that I reported it incorrectly and then sighed repeatedly as I listed off the fraudulent charges. Since then, they have notified me that they investigated the charges and found them to be valid, therefore, I must investigate and contact the merchants for documentation so that I can prove that these charges were not made by me. They actually said to me, " you have to prove to us that this wasn't you. '' I am XXXX months XXXX  and do not have the time or money to do my own investigatory work. One of the charges was made at a gas station - I do not even know how to begin to call the gas station to ask them to help me prove that I've never been there. 

Please see the charges below along with notes : XXXX XXXX XX/XX/2021 {$370.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$21.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX XX/XX/2021 {$300.00} - This is a merchant I use regularly. I was able to finally reach a XXXX at this merchant who acknowledge that these charges were made fraudulently by someone who had created a new account in a different state. 
XXXX XXXX  XX/XX/2021 {$91.00} - I've never shopped with this merchant. 
XXXX XXXX XXXXXX/XX/2021 {$46.00} - I've never shopped with this merchant. 
XXXX XXXX  XX/XX/2021 {$76.00} - I've never shopped with this merchant. 
XXXX # XXXX XXXX XX/XX/2021 {$32.00} - XXXX believe this is a gas station in a different state.
Consumer complaint received 2022-10-01
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. (CO)

Remove these names immediately from the personal information section on my credit file. I have NEVER been known by these names! 

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 Remove these addresses from my credit file under the personal information section on my credit file. NEVER lived there! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

This has been a complaint which started many years ago, I feel Wells Fargo is negligent on handling their accounts and rely on misrepresentation and misleading statements not only from loan officers but also from those who work in the XXXX office handling complaints. 

First of all, I am no longer a customer of Wells Fargo. I paid off the pre-foreclosure I am a very thankful and happy person because of it. I have no more ties to this bank. I am so sorry for those who have lost their homes due to their misrepresentation, misleading, self absorbed XXXX 's, XXXX XXXX and who controlled by them, but some in the XXXX office enjoy it when they can inflict pain and suffering who has no control over them. 

Now let me begin. I paid off the loan. The payoff had a home mortgage of {$5000.00}. Wells Fargo requested my paid receipts I have home insurance on my home. I gave them all the information they needed that I had home insurance. Still when we closed on the account they still charged me {$5000.00} for home insurance. WHY am I paying them for home insurance when I was already paying for full coverage of home insurance by my private XXXX. If they come back and say I did not have insurance at the time they manipulated my account. Lied to me why my account is the way it is. They never never explained anything why my account is the way it was. I have never never dealt with a bank such as Wells Fargo. I think it is their intent to manipulate a loan, confuse people, even their own employees at the branch. 

I will never never understand the process of how Wells Fargo does business. 

I am making a very big request, that the Representatives and Senators will provide XXXX XXXX for the Victims of Wells Fargo or any bank loans during the time period of XXXX which turned into a foreclosure, that if these foreclosures were paid off prior to XX/XX/2023 that they will be placed in Good Standing and all late payments and derogatory remarks will be removed from one 's credit report. 

It saddens me not XXXX XXXX of these major banks were ever handed a criminal charge for wrongdoing. 

Manipulation, Gaslighting, Misrepresentation to have a customer sign a contract which was totally the opposite of what the loan XXXX said.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Cadence Bank (TN)

I am a student at XXXX University in XXXX. I am originally from XXXX. In XXXX my debit card was stollen. There was a charge of {$73.00} on my account to XXXX. XXXX is a XXXX website that does not have any contact information. Bancorp South reimbursed my account three days after. In XXXX XXXX responded saying that I was a Cardholder since XXXX and provided a fake name and address that did not match anything the bank has for my account. XXXX XXXX while I was home in XXXX break Bancorp South sent me a letter stating that I would have to write a rebuttal letter by XXXX XXXX, XXXX in order to receive my money back. I returned to XXXX Monday XXXX XXXX, XXXX and received this letter Monday XXXX XXXX, XXXX. The bank has withdrawn the reimbursement of {$73.00} because I did not respond by XXXX XXXX, XXXX even though I did not receive any notice until XXXX XXXX, XXXX. They will not return this money.