davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (TN)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXXXXXX XXXX PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

We have made multiple large payments towards principal over the last several months. Wells Fargo has erroneously applied two of the payments towards regular payments. When asked to reverse these, only the most recent payments were reversed, resulting in an overpayment of interest by about $ XXXX. When this was brought to their attention ( multiple times resulting in several reversals of payments ) the remaining principal has only INCREASED by close to $ XXXX. Despite nearly 2 months of emails and phone calls and countless lost hours, the issue has not been resolved.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2020 XXXX XXXX CDT received call from XXXX XXXX WELLS FARGO. Representative advised because I made payments on time. All cards will be paid in full in 3 months if payments were made by due date. After I gave account numbers & balances for 5 credit cards. I was told I would receive call in 24 hours. I asked to speak with manager, representative hung up.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

I have been going back and forth with this company credit collection services since XXXX about an account that they are reporting to the credit bureaus on my credit reports. I spoke with someone from their company on XX/XX/2020 and they couldn't find the account that they are negatively reporting on my credit reports so I asked to speak with someone else because she wasn't helping me any so she told me to hold on and then she hung the phone up. I attempted to call right back and I was able to speak with someone else but they were no help either this agent told me that it was nothing that they could do for me even after I explained to them that I don't owe them anything. This account that this company is negatively reporting on my credit reports is holding me back from obtaining my home loan to purchase my home
Consumer complaint received 2021-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Due to the COVID-19 pandemic, I experienced a dramatic cut in employment and income. So I reached out to my Mortgage lender " Lakeview Loan Servicing, '' to apply for forbearance under the CARES Act, due to meeting the qualifications ( i.e. FHA loan etc ) ; this allowed my forbearance to began XX/XX/XXXX. I applied for a 90 day term of forbearance on Lakeview 's website. After being approved, I received a pdf document from Lakeview saying that my " Forbearance Plan has been Approved. '' On this same document, it says that the " term of your forbearance plan will be up to 180 days '' ( although my initial request was only 90 days at first ). Having no improvement in my previously mentioned work and income status, I logged onto the Lakeview Loan Servicing website, to attempt to extend my forbearance ; to use the 180 days. Although the Lakeview website appears to direct you to the previous online process for requesting/extending your forbearance, the actual webpage 's call-to-action button labeled " Extend Term '' when clicked onreally only produces a phone number with the message : " Call Customer Service. To learn more about extending your forbearance plan, please call our Mortgage Assistance team at XXXX. '' Upon calling the Customer Service number to extend to 180 days, multiple times on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I get the same response from the reps : " To extend your forbearance, we have to first review your loan ; we will contact you as soon as we do to let you know our decision '' or " we will escalate the handling of your request and contact you within 3-5 days to let you know our decision after we have reviewed your loan since our notes indicate you called earlier. '' When I ask the customer service reps " What is it that needs to be reviewed regarding my loan, that is taking so long ( more than a month ) to review? '' the responses vary, from being told that I've been " denied, '' to the latest being : " We have it in our notes that you have forbearance but the forbearance code is not showing up in our system, so we need to review it. '' Lakeview diligently communicates with mevia phone and email to let me know that my 90 day forbearance request is coming to an end or ending, but has not been able to contact me onceas they promised regarding my multiple requests to extend/update the status of my forbearance to 180 days, in harmony not only with the CARES Act, but really also with the initial approval letter from them that already indicates that my forbearance term is 180 days.
Consumer complaint received 2020-08-28
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. (IL)

XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

I am writing to formally request validation of the debt referenced on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The original creditor 's name and address. The amount of the debt. The account number associated with this debt. A copy of the assignment contract that demonstrates your legal right to collect this debt on behalf of the original creditor. Any documentation that verifies the debt 's validity, including the date of default. Until I receive this information, I kindly request that all collection activities cease. Thank you for your prompt attention to this request. I look forward to your response.
Consumer complaint received 2020-07-06
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. (OK)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I mailed disputes letters to Experian and XXXX  along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across three bureaus. Equifax shows XX/XX/XXXX, and XXXX has XX/XX/XXXX and XXXX  HAS NOTHING CHANGE! Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account Name : DEPTEDXX/XX/XXXXAccount # XXXX Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2022-01-14
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. (DE)

I am writing to delete the following information in my file. The items I need to deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I am currently trying to enhance my living conditions for my newborn son, however the items listed in this report is hindering me drastically. I asked that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (RI)

I applied to refinance my loan with Amerisave Mortage https : //www.amerisave.com/ I filled out the paperwork and they replied with a 30 year VS 15 year I wanted. The person serviceing the loan said no problem and cancled that application and created a new one for me. However instead of using my address of XXXX XXXX XXXX XXXX RI. He used XXXX XXXX XXXX XXXX RI. I missed the change of town, ( yes my fault and I eSigned the document ). 
I received a call from a XXXX XXXX who owns XXXX XXXX XXXX XXXX RI thinking it was a scam. We talked and discovered this. 
While I recognize my responsibility in missing the address change, I did not fill out the paperwork for the second 15 year loan Amerisave did. And now my and my wifes SSN and banking information was sent to the wrong address.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BOA is a bunch of thieves. I have had a BOA credit card since 2015. Prior to that I had a car loan that I paid off. My consumer credit score is XXXX. I pay my credit cards off weekly for the most part. Since having the credit card I have paid just over {$470.00} in interest. It is a rewards card that pays me cash back. Tried to use my credit card last week, but it was declined at the register. Thought it was the XXXX machine issue so I gave it no thought at the time. Logged into the app on my phone. No notice of any issues from the BOA. Received a letter in the mail that the card was canceled by BOA. Called to find out why, the person at BOA said they do not need to tell me. I Asked to speak to the manager, but they said they couldn't transfer me. That person was the last one I would be able to speak to. I asked to use the cash back of {$82.00} in my account to pay down the {$450.00} bill, they said no. Once the account is closed, I have no access to the cash back I earned. Horrible company. Guess they didn't make enough interest in me so they closed the account and stole the {$82.00}.
Consumer complaint received 2022-11-20
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. (NV)

Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all XXXX bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because Experian has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )
Consumer complaint received 2020-08-28
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. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possibleXXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX/XXXX   XXXX {$1900.00}
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NM)

On XXXX XXXX, 2022, I tried to temporarily unfreeze my credit report on Experian. I could not log into my account even though I had all correct information. I could not reset my log information neither, it says my account does not exist. But Experian`s automated service has my information, but it could not unfreeze it. I tried numerous times to reach a customer service agent, was not successful and Experian does not return messages neither.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (SC)

I believe this loan is a predatory loan. When I first got the loan I paid triple the amount of the payment. When I first asked for a breakdown of payments I was denied. I also wanted to pay my payment early I was told if I do that before I get My monthly stamens I would have to make a double payment because it would automatically apply to the principal. I would be considered late then if I didnt make 2 payments. I have been paying this loan for 4 years and I believe it should be paid off but my statement says I still owe a significant amount. Also the interest rate is 9.99 and they take 50 % of the payment each month for interest. I believe this loan has to be looked at if they are doing this to me they are doing this to all customers.
Consumer complaint received 2022-07-26
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$10000.00} ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF EDXX/XX/XXXX 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2020-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Someone took XXXX dollars using XXXX on XX/XX/2020 that i dont know. I use Wells Fargo and they aren't trying to help me figure out how they did it. They telling me i did it when I clearly contacted them once I noticed someone added their name to my XXXX that I didn't add, I did not receive any information to add them either not a text nor email. I have bills i need to pay with that XXXX dollars I need my money back. But the person who added their name is XXXX XXXX. Please help me.
Consumer complaint received 2020-08-28
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. (GA)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX   XXXX {$1900.00}