davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (IN)

15USC 1681 section 602 ( a ) states that I have a right to privacy. 

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax, XXXX, and XXXX have all violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. These companies have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report XXXX XXXX XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2016-02-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

We have been trying to do a short sell on our home since 2014. We have actually had XXXX offers on the place, but Wells Fargo continues to deny the offers. They have transferred us to different preservation specialist and short sale primary points of contacts several times to no avail. We 've even had our relators call and they 've been given false information. They say one thing and do another. They do n't return phone calls or send out proper documents when stating they would mail things out. I 've asked to speak with a manager several times and the mangers have promised to do an investigation, and still nothing is done. Managers do n't even return phone calls. I am completely fed up with the type of customer service we have received and will never do business or recommend anyone I know to do business with Wells Frgo.
Consumer complaint received 2015-09-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation (TN)

I have been receiving up to 15 calls a day, at least three visits to my home, and numerous calls from friends and family that is being harassed by Covington Credit. Several weeks ago I had a car accident that has taken me out of work for approximately a month. I have explained to them on multiple occasions that I ca n't pay because I do n't have the income to do so. I have also asked them to stop harassing my friends and family, because I am injured and just ca n't pay at this time. The harassment has just increased and I am at my wits end. Yesterday I received a message from my boss at work and she stated that it was against company policy to receive multiple calls at work and receive mail at our work address. I told her that I was aware of that and she told me then that I had mail at work from someone and had been receiving continuous phone calls from covington credit. I need this madness to stop. It is impeding my recovery and causing great anxiety. This harassment has also put my job in jeopardy.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Hi, I have previously submitted an issue I was having with Wells Fargo regarding modifying a loan. The previous issue was addressed and I attempted another modification. however, I was denied this latest modification based on the incorrect amount Wells Fargo used for my income, even though I spoke to underwriters and submitted paperwork to support approx XXXX a month in income. I received 2 denial letters in the mail on the same day, for the same loan, with XXXX different monthly incomes {$XXXX} and {$XXXX}, not the {$XXXX}. ( both were incorrect and off by over to {$1200.00}! ) ... I proceeded to appeal and explained the issue was later told that the appeal was denied due to not being able to find a program for me, ( they ran the incorrect number again ) not based on the incorrect amount that was submitted ... I spoke to underwriters prior to the modification to be sure that all of the income is correct and was able to be submitted ( {$600.00}. in financial contribution from my brother ( for my elderly mothers care ) was denied because he does not reside in my home ) other than that and using 75 % of the rental income ( which I did ), I was ok 'd with income which total was ( minus the unusable income ), approx {$XXXX}. per month. 
I did this modification with the assistance of New Jersey XXXX XXXX and they also ran the numbers for me to assure it was done correctly. 
I have tried to direct contact my previous point of contact from my last modification attempt, but I get rerouted to a reentry program. I have a sheriff sale on my house set for XXXX XXXX and I would like to try to resolve this issue with Wells Fargo and modify my loan with the correct amount of income before I lose my home. Thank you for any assistance you may be able to help me with, as I still wish stay in my home and raise my XXXX children. Regards, XXXX
Consumer complaint received 2023-01-09
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have requested reinstated for behind amount on XXXX/XXXX/2015 and Lender told me that it takes 5 business day to give me reinstatement amount. However, until now as of today XXXX/XXXX/2015 they did not give me the reinstated amount and told me my house will be foreclosed on XXXX/XXXX/2015. I could not understand distress homeowner will be treated that way while the lender see my house has equity and want to foreclosed it to benefit them
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-09
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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
Consumer complaint received 2023-01-09
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  : {$24000.00} ; XXXX XXXX XXXX XXXX : {$720.00} ; XXXX XXXX XXXX  : $ XXXX Opened : XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} Date XXXX ; XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-01-09
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. (CA)

On XX/XX/XXXX I received a email in regards to XXXXXXXX XXXX XXXX from EQUIFAX as well a XXXX response FEED BACK PROVIDED from CFPB please note this was initiated back in October 2022 63 days and 2 frivolous responses CARRYS NO WAIGHT OR TRUTH because I sent supporting documents proving no contracts or signature verifying debt ATTACHED again as well requested the same thing provide documentation to me of said debt attached letter and no response again attached XXXX request XXXX is the only one that reported and removed debt as it does not meet the reporting act I have again requested from XXXX ATTACHED to provide me there facts and reporting procceedures of Equifax and XXXX response verified, I will continue to argue this debt as a false response and ILEGAL reporting
Consumer complaint received 2023-01-09
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

Two years ago Wells Fargo provided me with mortgage assistance, but then took it away and now I am facing being kicked out of the home I have lived in since 1996. Money was tight when I retired and my mortgage payment was more than the income I had coming in at the time. I attempted to keep up with the mortgage payment and ended up spending all of my life 's savings to stay current on my mortgage. When there was no more money left, I contacted Wells Fargo and I got a lower payment of about {$500.00} per month that I was very happy with. However, when I received the paperwork from Wells Fargo, the payment had jumped up to over {$1000.00}. I was shocked, but tried to make it work. Although it was a struggle, I made the payments for three months, but then Wells Fargo told me that they had to redo the agreement. They then lost my paperwork and the whole issue became very messy. I made three payments to them, but Wells Fargo has dropped the ball and now I am facing a foreclosure sale on my property. I need Wells Fargo to get this straight so that I can spend the rest of my life in my home! XXXX has insured this loan, so I do n't think that Wells Fargo cares and will just sweep me under a giant rug and be done with me.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I sold XXXX rental homes, on XXXX/XXXX/2016, I believe, and part of the proceeds went to payoff all loans. I was owed escrow money and principal back from XXXX and XXXX mortgages. I received all of that in a timely manner from XXXX or the XXXX carriers. However, a company called Ditech is trying to steal escrow money from me. They owe approx {$1700.00} to me. They said their original check went to the wrong address even though I never requested it be changed. They, after a long delay, they said they mailed a new check on XXXX/XXXX/2016. It 's still not here. I do n't know if they a liars are just amazingly incompetent, but I need help.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

We are writing to obtain assistance in receiving a refund of money paid to Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) to settle an account. Most of the particulars are in the attached letter to Comenity ( XXXX ), and we would ordinarily give them time to respond. However, they have been less than responsive in spite of numerous telephone inquiries, and we have no reason to believe they will change their stance. 

In addition, we are concerned this may represent part of a pattern of delay designed to reap extra late fees for the company by not promptly crediting payments and/or crediting them to the wrong account. Both are documented in the attached correspondence ; we dont know if this is a singular occurrence, or if it involves many other customers. 

Since opening the account, we have noticed several attempts to charge interest and fees in spite of paying her account timely. This has been due to late crediting of payments and failure to honor terms of the rewards program in which she is enrolled. Indeed, during the last month, the company imposed {$10.00} in interest charges in spite of a XXXX balance at the close of the previous statement ( see XXXX and XXXX ) We are submitting evidence that our bank has paid the items in question ( red arrows on document XXXXg ). That document is from the banks website ; we do not as yet have an account statement. We will give permission to confirm payments with the bank. 

Our biggest concern is with the series of events documented in our letter to Comenity. We think they may have purposely delayed crediting our check payments to collect additional late fees and interest. Thinking the checks lost, we initiated payments at the last minute on the banks website to avert such fees. However, when the bank found the checks, nearly a month after the first one was mailed, we were left with a substantial overpayment, which wed like refunded. 

In addition, the bank claimed not to have received XXXX of the payments, until, after hours of fruitless discussion, a XXXX discovered it had apparently been credited to the wrong account. 

We are asking for you to investigate to assist us in getting our money back. We also ask for you to see if you have a pattern of complaints involving other customers of this bank.
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : 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, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.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 other 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NM)

On XX/XX/2022 Wakefield and Associates of XXXX, TN texted me a debt notification letter. I disputed the debt, as I have never received a bill from the entity they are claiming I owe money to, via XXXX class mail with tracking. Wakefield and Associates received my response and signed for it on XX/XX/2022 at XXXX XXXX by XXXX XXXX. Wakefield and Associates has not sent any proof that I owe any debt. They are in violation of the Fair Debt Collections Act Section 809 subparagraph b If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

They have placed a disputed debt on my credit report without sending me any form of verification and proof. Their actions are illegal.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

In XXXX 2015 I refinanced my home through Cash Call Mortgage Lender for {$280000.00}. Subsequent to this, the loan was purchased by XXXX and servicing was initially provided by Impac Mortgage Loan Servicing Division. The first payment was due XXXX/XXXX/15 and Impac serviced the loan through XXXX/XXXX/15. For some unexplained reason when I reviewed my payment history online, {$83000.00} had been added to the principle. It is obvious that something was wrong as the note and all my docs clearly show the borrowed amount as {$280000.00} ; Even Impac Mortgage account history shows the initial {$280000.00} as well as the addition of the {$83000.00} about 2 weeks later. I brought this to their attention and after many, many communications they said they resolved the issue and adjusted my account accordingly on XXXX/XXXX/15 ( I have included a copy of the payment history from Impac ). Their explanation was that somehow my loan docs had been mixed up with another and caused the addition of the {$83000.00}. About the same time they said the matter was resolved, they coincidentally transferred the servicing of my loan to XXXX XXXX XXXX ( XXXX ) which began on XXXX/XXXX/15. In reviewing my account with the new loan servicing company XXXX, the {$83000.00} has been suspiciously attached to my account again. On top of all this, XXXX now has my property confused as being in XXXX County instead of XXXX XXXX County for my escrow account tax payments. SLS customer support told me they will look into it, but something is just not right. I feel like someone is trying to hide this {$83000.00} back at Cash Call or Impac, which are both part of the same company. I am very disturbed by all of this and would like some help in finding a resolution. I have attached an account summary from SLS to show the current amounts they list as well as the payment history from Impac Mortgage to show the suspicious addition and deletion of the {$83000.00}, Thank You.